davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission. 

Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

In early XX/XX/2023, I submitted to Equifax all information required ( per their website ) along with letter requesting a credit freeze be added to my XXXX child 's account. They sent a letter stating they could not process because they needed additional information ( but letter did not state specifically the additional information needed ). Upon calling customer service, they said that the SS information was illegible. 
I resubmitted ALL of the information again XX/XX/2023. And, this time, printed a clear copy of the SS card. ALL information submitted was clear and fully legible. 
They sent a letter XX/XX/XXXX that they could not process ( again with no specifics as to why ). Called customer service who, after 30 minutes on the phone with them, claim ( 1 ) they do not know why it could not be processed. 
( 2 ) they dont have a copy of the letter sent to me and do not know what the issue is. 
( 3 ) they dont have access to the processing department to determine why the re-submission could not be processed. 
( 4 ) they can not provide me with a phone number or other direct contact to the processing department to assist in determining how to rectify the issue. 

Note : in XXXX, all the same information was provided to XXXX and XXXX... both of those companies quickly and without issue added the security freeze to my XXXX child 's account.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I have been having fraudulent charges on my account and I called CHASE bank and informed them that I did not authorize the charges that I had disputed and each time they have held me responsible for these charges. I was never given any written authorization that bear my signature that I authorized these charges. As a consumer I am suppose to be held XXXX fraud liability for charges that I didn't authorize. I am suppose to be protected under the fair credit billing act which my rights a consumer has been violated. I am now complaining to FTC, CFPB and the FEDERAL RESERVEBOARD
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

I have been dealing with this dispute for nearly a year. I would appreciate your assistance, XXXX XXXX with XXXX XXXX XXXX was started on XX/XX/23 cancelled the following day on XX/XX/23, as per attachment. 

*Returned XXXX Cell phones- XXXX XXXX XXXX XXXX XXXX-Deep Purple ( Order XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Order XXXX ) Return confirmed by XXXX XXXX XXXX  via email XX/XX/23, as per attachment. 

*Account was credited {$60.00} and {$72.00} on XX/XX/23. These are the taxes that I was charged as per attached email. 

*Restocking fee charged on XX/XX/23, per attachment. 

XXXX XXXX XXXX posted {$970.00} and {$680.00} totaling {$1600.00} on XX/XX/23. 

*The plan was cancelled, and phones were returned within allowed time as per XXXX XXXX XXXX  contract, but they are not crediting my account.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Pendrick Capital Partners Holding, LLC (WA)

Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with The Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

I was a customer of Wells Fargo home mortgage from XXXX. I had to sell my home through a short sale in XXXX. I have read there has been a settlement to help customers affected during that time period and would like to know if I was negatively affected or not.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA ()

Dear Sirs, This is my complaint against GOLDMAN SACHS BANK USA. 
My company sent the payment # XXXX XXXX XXXX XXXX to XXXX XXXX  XXXX XXXX. XX/XX/22 in the sum of XXXX USD, i.e. 4 month ago. 
My payment provider XXXX insists that the payment was executed. But this is not true. As XXXX confirmed later, the payment WAS NOT EXECUTED by their correspondent bank ( XXXX GOLDMAN SACHS BANK USA ). As a result, the money didnt reach the Beneficiarys account. 
XXXX confirms that weve provided them with all the requested documents at the same day of request. 
No one from the participants of the payment was not under the sanctions/restrictions.
Consumer complaint received 2016-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA (WI)

US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

I had a online bank account with chime and on XX/XX/XXXX I had an unauthorized transaction on my account for XXXX dollars and I disputed it with them and filed a police report sent them a copy they denied my dispute so again in XXXX I had another unauthorized dispute for another XXXX dollars I followed same procedure with Chime and again they denied my dispute when I called asking for reason customer service person hung up on me I'm XXXX and can't afford to throw away XXXX dollars.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX the CFPB entered a consent order in administrative proceeding XXXX, which paragraph 56 stating : All Debt Sale contracts and agreement to after the effective date must : b. Prohibit the Debt Buyer from reselling any Account included in the Debt Sale, except to the extent Respondent is repurchasing an account. 

On XX/XX/XXXX Citibank, NA. sold my account, according to the petition is XXXX XXXX Missouri Case XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX under Contract ID XXXX document id XXXX. 

The State Case petition is attached. 

However, on XX/XX/XXXX, that debt was resold, or assigned, from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which was transferred and resold, until XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which filed action against me on XX/XX/XXXX. 

Moreover, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never honored the CITIBANK , N.A . arbitration agreement in the attached cardholder agreement and all attempts to get CITI to enforce that arbitration agreement in XXXX went unanswered. 

I made offer to settle this matter with CITI, but instead of settlement of {$2200.00} the bank is paying {$3900.00} to engage in arbitrations and so far has failed to make a timely payment to the XXXX.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.
Consumer complaint received 2023-11-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

It is a Barclays card, through XXXX XXXX. I never received a card or a bill before I just started getting emails that I was late on a payment. I called and spoke to them. Told them I never got a card. They waived all late fees, and I paid the account in full. Still no card or a bill, and now theyre emailing that I owe for over {$140.00} on an account originally for approximately that amount. When I called them and informed them I a paid it in full, they had no right to charge late fees, they said theyre charging interest and Late fees on the late fees. This is capitalizing interest and unlawfully charging late fees on an account I paid in full. I want the all fees and interest charged off and the account closed. The last XXXX on the account number are XXXX, this is all I ever got from them is an email. The link to pay goes to https : XXXX XXXXXXXX It is Barclays card services on behalf of XXXX XXXX. 

My email is XXXX.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

Was charged {$99.00} annual fee on Barclays Aviator Mastercard. Called and requested the fee be refunded and card closed since XXXX XXXX Credit card company has failed to follow through and delinquency has been reported onto credit bureaus. Despite calling for six months, Barclays has failed to submit the proper documentation to waive fee, close card, and remove delinquency from credit bureaus.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

In early XXXXXXXX I was informed my loans that were serviced by Great Lakes were being transferred to Nelnet. At that time I had one Subsidized loan for myself, and a Parent Plus loan for my daughter. In XXXX, a second Parent Plus loan was added to my account. With the student loan deferment due to Covid ending, I was informed I would need to start making payments. My daughter 's school informed me that I could call and have the parent plus loans put into deferment until she graduated. I have tried to reach out to Nelnet at least 5 times and have received zero responses. The wait time when I try to call has always exceeded an hour so I have resorted to their contact us form. In XXXX, when I was fed up with not receiving any kind of response, I filed a complaint with the Department of Education. They have not responded to me either. As I was informed by the financial aid counselor at XXXX XXXX XXXX that the deferment process was simple, I did not expect to be making payments on the Parent Plus loans. I am very frustrated with the lack of communication and would like my loans transferred to a different servicer, but again I can not get a hold of anyone to even talk to about this.
Consumer complaint received 2023-11-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

This apartment complex in XXXX that my Ex- Girlfriend was living in. She Apparently moved out after investigating after the debt calls. 

Debt collector was calling me saying I owed money and only thing they had was my name and random addresses I have never heard of. 

I said send me the information but I don't have those addresses. I have owned a house in XXXX for the past three years that i just sold XXXX of XXXX. 


I'm not sure what has happened. I do not owe this debt nor ever lived at this place. They don't have any of my correct information. 

I have no Documents regarding this other than a few phone calls I ended up hanging up on and when this popped up on my credit report through XXXX XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

Chase are blocking access to my account thus preventing me from making timely payments thus causing unnecessary late payment fees to apply. Also, they do not have the right to force a customer to pay for telephone service in order to access his account. 

I can't get into my account to pay my credit card because I do not have a telephone now to get a code to use in addition to my password. I am now living in XXXX for a while, and I don't yet have a telephone number. My old telephone numbers are not valid. 

Chase do not give an email address for contacting them about this problem. They only give a telephone number, and I can not call them using a public pay phone. Even if they had a foreign toll-free number, I can not stand out in the sun inserting coins in a pay phone to make a foreign telephone call to them. 

With this Catch 22, they are able to collect late payment fees because I have no way to pay off the small balance on my Chase Credit Card.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, XXXX, and Equifax. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.