davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXXXXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$3100.00}
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

on XX/XX/XXXXi sent Vance and Huffman LLC a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these bastards are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Vance and Huffman LLC the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks
Consumer complaint received 2022-03-26
Product: Credit card or prepaid 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: DISCOVER BANK (NJ)

On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX  ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Hello Dear CFPB I am writing to get assistance about my Apple Card by Goldman Sachs. I was customer with them since XX/XX/2019 and today i got email they are closing my account and the reason was : '' There was a failure to comply with the terms of the Customer Agreement ''. This is 100 % false statement and has nothing to do with facts and reality. In Past 3 years being customer with Apple Card by Goldman Sachs i never had any issues not single issues. Never been late or went over limit or return check or any shape or form abused the card / NOTHING. My XXXX Score is Flawless, My Annual income is above average US Cardholders and in fact just recently my Credit Card limit was increased by {$6000.00} from {$25.00} to {$31.00}. 

My main concern is that by closing this account it will show in my credit bureaus that it was closed by credit grantor and my other creditors will follow same route and will close all my other account by assuming i have done something wrong. Please assist me to review and reopen my account.
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit harasses me by calling 2-4 times a day every day. I block their number and they just obtain new numbers to call me with. The debt they are trying to collect is over 10 years old. They call on weekends before XXXX and sometimes call 2-3 times in a row within seconds. That is harrasment and it is bothersome to my work day. I have pictures of call logs and of their calls and am considering legal action for harrasment.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (CO)

Good evening im reaching out to you in regards to two debt letters that were sent to me from ARSTRAT reference # XXXX and # XXXX both times were i was driven to the hospital without my consent. Ive had XXXX for a little over a year which are minor and I know what to do when I have them as i always have my medication on me. As a full time medical student I cant afford to go into the ER and both times I have written to them stating I can pay about XXXX out of my part time job I have right now. It was very very much appreciated that they were able to send me back letters stating I only owe XXXX for each one but I don't have that type of money. I haven't had a XXXX since XXXX of XXXX which was a major accident and I've been going to XXXX XXXX for it since and staying on top of everyway to get better. At that time i wasnt getting any income because of covid, One of those in XX/XX/XXXX I was taken in because I had had a XXXX in my bathroom and my neighbor freaked out because she heard me grunting in the bathroom and called 911 and they again took me even though I let them know I was ok and refused to go but I obviously didnt let her know what was going on as I felt it wasn't anyone 's business to know i had previously had a XXXX. In the ER they didnt do anything beside wait for my dad to pick me up. I rejected going in because I knew I was ok. Im unable to pay {$1000.00} for both hopsital bills. the highest I can do with my income is XXXX for both. I was hoping we can settle it with paying that for both. I look forward to hearing from you. Thank you.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (FL)

I received Netspend Prepaid Mastercard that I DID NOT APPLY for it!!! It states a plan fee for Pay As You Go Plan, Monthly Plan, or Reduced Monthly Plan. The Pay As You Go Plan is automatically applied to Card Account when first obtaining the Card. I can't get a direct answer from Netspend of what that means. Is it when I received the Card in the mail? Also, why mail solicitation as an actual looking Prepaid Mastercard with my new address referencing a routing number and account number to deposit a payroll and government payments. See attached correspondence of Netspend Prepaid Mastercard information.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

This has never been my account! I am unfamiliar with this account. I have never entered into a contract using this account. Because this account is not mine, I should not be held responsible for it.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (AL)

I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs.

The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance. 

Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer. 

1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card.

2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor.

3. The upfront disclosures of how to maneuver this minefield is non existent.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and ignored regarding my disputes. Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days at this point, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

Ive been getting charged a monthly fee for over two years. Its a card security fee that I did not sign up for. I have cancelled it due to an increase in my balance even after Ive been trying to pay it off. Fees have totaled to over {$500.00} which is the cause of the increase in my balance. It just continues to go up. I understand the interest fees, what I dont understand is the card security fees. My total amount paid is $ XXXX/mo and with that payment I noticed I get charged about $ XXXX month which makes my payment irrelevant. I would like to know how I can get refunded on this amount. As I did not sign up for anything besides the card. Its frustrating to know that the balance is only accruing fees and payments are not helping my account decrease.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b  ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not authorize nor did I give consent to the following accounts to be furnished this a violation of my consumer rights 15 usc 1681 ( a ) ( 4 ) violating my right to privacy and 15 usc 1681b ( a ) ( 2 ) and 15 usc 1681c-1 someone has acted on my behave and authorized these accounts
Consumer complaint received 2020-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

my home is not in flood zone, it is in " x '' zone, my mortgage servicing company is keep taking expansive flood insurance, and adding premium on my monthly mortgage payment, and i can not pay extra money on my monthly payment, and they are keep telling me i am not paying enough to cover the flood insurance, which i do not need, i also provided letter From FEMA for LOMAR letter, they fix in XX/XX/XXXX, and now they started charge in again in XX/XX/XXXX, i have been working with this service for last 12 Months and problem is not resolve, i have complaint on XXXX, and still no fix, please help me soon before i loose my home
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/XXXX, my truck was involved in a accident which totaled the truck out. 
XXXX my insurance company paid Wells Fargo XXXX and of a XXXX balance prior to the accident. I understood I needed to pay the balance and was told by the rep that I could refinance the remaining balance once the insurance company has completed the claim. 

So In XXXX I started paying on the remaining balance but not the original loan amount. I called Wells Fargo to make sure I could still refinance the balance. They informed me they changed the refinance rule and I had to pay the remaining balance in full. I explained to them that I couldn't pay the full balance and I could pay XXXX every two week. $ 200 month until the balance is paid. Wells Fargo refused my offer and stated I had to pay in full. Wells Fargo also set my account where I had to pay the balance in full. 
I continued to make payments until this action was placed on my account. Wells Fargo continue to call and harass me everyday to pay this balance in full and I tell them what I can pay, they continue to refuse. The original loan is not set to mature until XXXX. Wells Fargo did not give any credit months for the {$12000.00}, that was paid on the claim.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer lo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BOK FINANCIAL CORP (OK)

On XX/XX/XXXX I mailed my complaint to Bank of oklahoma in reference to a checking account opened under my name without my knowledge or consent. I've been incarcerated since XX/XX/XXXX and that I am a victim of identity theft. Do date this Bank has failed to properly investigate my claim. And this account is still showing on my check system report.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (FL)

Opened online Chase Bank Business account on Thursday evening XXXX, deposited CASH on XXXX at Chase branch. 
Then did Chase online bill pay to XXXX XXXX XXXX. Received confirmation of transaction with green check mark. 
Saturday afternoon went online to check account and it immediately locked suspicious activity. Called Chase, 2 hours later, got a call back and spent 25 minutes on phone of being transferred to 2 different persons & then line disconnects. Person found that system had CANCELLED my online payment ; yet never noticed me of same. Had I waited, my annual property insurance would have been cancelled because of Chases actions. 
Went into branch and got my money and closed account. Chases {$300.00} business account offer is misleading as I was compliant yet Chase was deceptive in cancelling my payment without warning nor notification. After all my acvount was open with cash. After all Citizens is a well known insurance company. They called that suspicious activity. Please if theres a class action Atty reading this then contact me at XXXX XXXX
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

My account was closed XX/XX/XXXX, chime bank said I violated guidelines in the member agreement, which I did not I had few disputes I did a refund was owed to me because I returned some merchandise, but chime canceled the debit card the refunds was going to without my permission so I disputed it so I could receive my refund on my new card, so they investigated gave me the refund to my new card then shortly after closed my account when I know for fact I did not break any rules, also they owe {$710.00} check and they keep giving me the run around about money that belongs to me and I'm tired of it
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.