davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DC)

I am an XXXXXXXX XXXX. I enrolled in my employer XXXXXXXX XXXXXXXX XXXX  and received the proceeds from my first sale a few weeks ago. The amount wired to my Goldman Sachs ( GS ) bank account was {$52.00}, XXXX. I transferred that money out to pay for expenses that I needed to cover. However, GS called and said that the amount had been reversed and the new, correct amount had been posted of {$25.00}XXXX XXXX and now I have a negative balance of XXXX XXXX XXXX  I did not know how much to expect because this first wire was the result of several trades during the mandatory quiet period. Like any direct deposit, I trusted that the amount was correct. 

I called XXXX XXXX ( XXXX XXXX and they said they sent out the right amount so they don't know how this happened. XXXX has also confirmed with XXXX that they posted the right amount to GS. This is confirmed by the wire trace. The correct amount was sent to GS so now XXXX can not see what happens once they post the right amount. However, now GS says unless they get the money back they have to terminate my relationship and I can no longer do banking with them. 

My account still stands at a negative balance until the money is returned. But this is an error on Goldman Sachs part, not mine. This has impacted my standing at other banks as my day-to-day bank XXXX XXXX closed my account as I have been flagged as a high risk customer. GS is treating me like I committed fraud although I have done nothing wrong and continues to insist that I give the money back- this is money that I do not have. As they have all noted it, I immediately transferred it out to XXXX XXXX to pay other debts. It looks like they simply transposed the amount incorrectly ( XXXX vs XXXX ) butt this is their error, not mine. 

XXXX provided me with a reference number for GS and XXXX to discuss my case, but GS has not acted on this and continues to iterate that my account is not in good standing without investigating or taking ownership of the problem that they created. I have filed a complaint with the Federal Reserve Board as well. Goldman needs to right this, but they are refusing to do so.
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

Santander Consumer USA has reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as late which in correct. I have attempted multiple times to rectify this with Santander and they refuse to look into my complaints. Instead they have told me it is " not their problem '' and to " take it up with the credit bureau ''. They have done this multiple times and I have seen there are multiple other customers of theirs that they have reported incorrect payment information on. My only other option is to pay someone to report to the bureaus for me because I do not have the time or capacity to do so. It is unacceptable.
Consumer complaint received 2015-07-27
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Guidiville Indian Rancheria (NM)

I took out a pay day loan with a lender and paid XXXX or XXXX payments then found that I was unable to make the remaining payments as planned due to medical and family hardship. The total paid was approximately half of what they loaned me. I sought direction from a debt management company who is representing me on my behalf and notified the original lender. The original lender did not contact the debt management company to discuss options and sold my account to a XXXX party, XXXX XXXX, who calls me at my place of business and on my cell repeatedly. I asked if this debt collector was informed that their client was notified by the XXXX company and they said they were not aware. I have returned calls to them on several occasions as they threaten to serve me with papers at my place of employment ( stating this is the only place they can do so ), filing fraud charges against my employer ( who has nothing to do with my loan ), filing fraud charges against my bank ( who again has nothing to do with my loan ), wage garnishment, they tell me it is my last notification then call a couple days later and use another threat tactic and start the notification process over, etc. They provide me with a docket number for the county court and I 've checked with the court and they state they have no such numbers on file for cases. Also, they do not identify themselves, they do not provide me with the loan company unless I persist, and they will not accept what I can pay, they want more than I can pay in an arrangement. I never received anything in writing. On one call, I asked who what the company name was and where they were located and he got angry, called me something unkind and hung up on me. Should n't they have attempted to contact me in writing? And should n't I have all of their contact information to provide to my XXXX company in case something can be settled? I 've researched their phone number online and see that they use these tactics all the time. I told them that my XXXX will do business with the original loan company and to have them call but they said it is too late. I 'm not trying to get out of paying anyone back, but these payday loan companies do n't want to take reasonable settlements and if I lose my job because of these phone calls and their methods than I wo n't be able to pay them at all which is what I told them last time I spoke with them. A claims investigator named XXXX XXXX keeps leaving me the messages. I 've also gotten recorded messages from a XXXX XXXX, do n't know if she is even real as when you call she 's not available. The message does not give their name, just threatens legal action if I do n't call them back and their number. Last time I called them, they called me back and started telling me how the XXXX company was taking money from me and not helping me. If I could set them up with consumer credit counseling I would but payday loan companies wo n't work with them. I have more than XXXX pay day loan which is why I am using the XXXX company to help me settle these loans.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The company has reported me as 30 days late on my credit. A payment plan was established days ago with the company in order to avoid this. I was told that as long as I pay by this Friday ( Tomorrow the XXXX ) that there will be no negative report on my credit. I attached the confirmation number for the payment for Friday.
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (OH)

On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

My card was stolen, and charges was made on my account without my knowledge or permission. I filed a dispute with PayPal Prepaid, and I was told to write a letter requesting a provisional credit within 10 business days. I wrote the letter and also submitted a police report. It has been over 10 business days and I still have not heard anything back.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

To whom it may concern : I am having a completely poor customer experience with the XXXX XXXX barclay 's MasterCard. I have been complaining for over a month about the card, the customer service, the website, etc. 

I want to pay off the card and completely close/cancel the account, however your website will not allow me to log in nor will it allow me to reset login name and password. 

I've called into Customer Service at XXXX and the Customer Service Reps are totally lost on resolving my issue. In additional sent letters to Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX and still no response after greater than 30 days. 

Note : If this account goes past due, I will not pay any late fees. I've complained so many times over the past month, without anyone emailing me or giving me a call in attempt to help. I am also turning this into the better business bureau. 

I did not have any of these issues when XXXX XXXX card services were with XXXX. The migration to barclays has been a total failure. 

I need this business to contact me so that I can pay off the bill and close the account. 
I NO LONGER WANT TO DO BUSINESS WITH MASTER CARD/BARCLAYS/XXXX  XXXX XXXX I ALSO WANT FOR MY REWARDS POINTS TO BE TURNED INTO CREDIT ON THE ACCOUNT OR CASH PAYOUT. 

Last Four of Account : XXXX Exp Date : XX/XX/27 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (WV)

" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (CO)

Received Collection notice in mail for Creditor : XXXX, XX/XX/2016. We cancelled services with them XX/XX/2016 and had the final bill showing full payment received. No bills or other communications about an amount owed were received for 9 months, until we received this collections letter. Upon receiving this letter we contacted XXXX to determine what this {$43.00} charge was for, and after 2 hrs and 12 mins ( which amounted to 4 calls since on one of them the line somehow " disconnected '' instead of going to a supervisor, to them ), including them telling us to call XXXX as they said this was a charge XXXX sent them and then XXXX should have then billed for it. We have conflicting information from the XXXX XXXX reps we were routed to in four calls as to what the charge was or why a bill was never sent or claiming a bill was sent even though we have n't changed addresses. XXXX today finally said they could produce a final bill, but it has to be mailed, which will take " up to 30 days '' they claim, and it is impossible for them to send an email or other electronic bill so that we can verify the charge is valid and make a payment. As they know, we were out of the country for 3 weeks, so we had 1 week since receiving this notice to reply to the 30 day request from their 3rd party collector. Funny how 1 day before our response is due they are able to mail a bill that will take up to 30 days for us to receive. we have never had anything in collections and so we went ahead and paid the amount, because we would never want anything against our credit, but seeing as the creditor never provided any proof of the charges it makes us think big company taking advantage of the consumer since they do n't care about our credit. As a financial services auditor that knows processes and collections, I believe that XXXX has a process breakdown in which charges that happen for a consumer through their partner XXXX XXXX sending out their final bill do not make it to a billing cycle, so as a result, those charges sit there, and then when they pull the data for unpaid amounts, the amounts show in that data that is then sent to their 3rd party collectors. Not a single rep could find in our account any of the normal steps one would expect from your Cable provider 1 ) when or how the additional final bill was sent, 2 ) when this supposed bill was unpaid after 30 days, why there would n't have been any follow-up to us, as the consumer, such as a call, or another notice ( mail or email ). I called the 3rd party collection agency that sent the collection letter to let them know about this struggle to determine what the amount was for, and they said they have had a lot of similar issues with XXXX collections.
Consumer complaint received 2023-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

Good afternoon, I am eligible for public service loan forgiveness yet Mohela refuses to help me. They have told me that I have to wait for FSA to address my complaints/reconsideration request. 

I am eligible for forgiveness because my forbearances in XX/XX/XXXX and XX/XX/XXXX were administrative - I never requested forbearance and I have proof of them being administrative. XXXX always put me in forbearance during paperwork processing. I also submitted the required waiver form/reconsideration request during the waiver last year ( XX/XX/XXXX ), which made me eligible for forgiveness even though I wasn't currently employed. 

I have two open complaints with FSA - one from XX/XX/XXXX and another from XX/XX/XXXX. Payments are about to start and Mohela is saying I have to wait for FSA. I'm unsure how this is the only thing they can tell me, when they are about to start charging me and I still have outstanding complaints with FSA, including one from over a year ago. 

Any help is appreciated. Sorry if I sound frustrated. Dealing with Mohela and XXXX has been a nightmare. 

Thank you, XXXX XXXX
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (MO)

They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2015-04-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Filing & Reporting, Inc. (AZ)

people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK USA N in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 



TITLE 15 CHAPTER 41 FDCPA STATES ATTORNEYS ARE FRAUDS 15 USC 1692a ( 3 ) THE TERM NATURAL PERSON 15 USC 1692e- FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692c ( d ) YOU ARE THE SOLE PERSON IN CHARGE 15 usc 1692k MONETARY VALUE 18 USC 8 TELLS US ALL OBLIGATIONS ARE FOR THE UNITED STATES NOT THE NATURAL PERSON.

28 USC 3002 ( 15 ) TELLS US THE UNITED STATES IS FEDERAL CORPORATION UNDER JUDICIARY LAWS An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ; Cert XXXX Denied, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) An Affidavit uncontested unrebutted unanswered, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly states at point # XXXX that " uncontested allegations in affidavit must be accepted as true ''
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

So I have a checking account with chime and I had fraudulent withdrawals taking from me when I live in California and the charges were made in Alabama. They have denied my dispute several times with that. So Chime cancels my card and sends me a new one. I received my new card yesterday XX/XX/24 & I went to the atm to withdrawal my money & was unable too. They had put my account on a fraud alert so when I had got into contact with chime they arent helping me at all. Ive talked to several different people on the phone and there no help they continue to tell me the same thing the previous person says on the phone that I cant get the money off if Im not receiving the fraud text messages which I told them I havent been receiving it. They refuse to let me talk to a supervisor and are refusing to let me get my money off of my card. I just want my hard earned money I worked for. They already got me for {$400.00} and now making it harder for me to get my money.