davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXX {$3500.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Scott Fetzer Financial Group Inc. (GA)

XX/XX/2024, {$8600.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus. 

XX/XX/2024, {$16.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (TX)

JPMCB CARD reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. 

Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, High Credit, and Date Opened.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

remove collections from credit re. 
| Search in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX This company above is attempting to collect a debt balance of {$1900.00} which is out of statue of limitation This is against the fair debt collection practices act I have requested for the original contract from the original creditor they are un able to provide the required information. This company also changing the open date from the time they bought this bad debt from the original creditor this is illegal tactics per fair debt collection practices act.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I consistently noticed an unexpected {$32.00} charge appearing on my XXXX account. Upon reaching out to XXXX to inquire about this recurring charge, I was surprised to find out that, despite closing my account and settling all outstanding balances in XXXX, the issue persisted. The XXXX representatives were unable to explain the reason for this charge, expressed their apologies, and regretfully stated that they couldn't assist me. Instead, they suggested reporting the matter to my bank.To my dismay, I recently received a letter in the mail, vaguely referring to the collection of a debt. This situation is both perplexing and disconcerting, especially as I am a XXXX individual striving to build credit. I was never informed of any outstanding payment of {$32.00}, and this lack of communication is hindering my efforts to responsibly manage my finances. In XX/XX/2023, XXXX assured me that my account was clear of any charges, and I had settled all due payments. I was explicitly told that there was no obligation on my part to send any additional funds to XXXX. Now, faced with this unexpected situation, I am seeking a resolution and clarification on how to address this issue promptly. Can you provide guidance on resolving this matter and ensuring that my credit-building efforts are not adversely affected?
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

After reviewing my credit report I noticed a fraudulent account my credit profile per following XXXX report DISCOVER BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 47 % Balance {$470.00} Balance updated XX/XX/2024 Credit limit XXXX credit report DISCOVER BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 47 % Balance {$470.00} Balance updated XX/XX/2024. 
XXXX credit report DISCOVERBANK Credit usage 47 % XXXX {$470.00} XXXX updated XX/XX/2024 2024
Consumer complaint received 2024-02-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AL)

I have a family of XXXX. I have {$410.00} taken out of my paycheck every 2 weeks for health insurance. That's {$820.00} a month and since we get paid 3 times this month, it will be {$1200.00}. I do not receive government assistance, so I pay everything. I've made payment arrangements for my other bills and I have to buy for my family. I can not afford to make a full payment. Do you guys even know what is going on since your call center is in XXXX? 
I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX  XXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service 3 other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I have been harassed by a gentleman calling me up to 3 times a day. The bill that he is calling about is not mine. I am listed as an emergency contact. Last conversation I was repeatedly badgered from a block number. I was called a clown and my livelihood was questioned.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Hello, this is not my debt nor have I gave them my info. I havent received any written communication from this company and they are in violation of my privacy, harassment via phone, fraud and illegal use of my data they paid for. This is a 15 USC 1692d violation along with SEC, FCRA. They have called my phone however over 100 times in 2 weeks. More than 46 times In 7 days.
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On XXXX XXXX  XXXX XXXX XXXX, midland credit management open up a collections for the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars period I have never opened an account with this company.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

XXXX intentionally canceled XXXX of my reservations and refunded a cancellation fee of XXXX via XXXX XXXX. They told me it would be done in 24 hours. The Chime bank app tried to steal XXXX $ of this XXXX $ refund and notified me that I was only receiving {$17.00} of the refund when the document clearly stated that Chime and XXXX owes me the full refund of XXXX which is the {$110.00} plus {$17.00}. The app and website both owes me {$120.00}. The Chine app is trying to steal it from me like I dont matter.
Consumer complaint received 2024-02-25
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: Fay Servicing, LLC (IL)

Fay servicing has increased the amount of my mortgage by XXXX and increased my payment by XXXX making it impossible to make payment.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting Act XXXX account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to my privacy!

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without My written instructions.

15 USC 1666B : A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2024-02-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (TN)

XX/XX/XXXX, I fell on hard times so I made a PayDay loan CashNetUSA, I made XXXX payments, for several months I was in negotiations for a Settlement, my last offer was {$870.00}, I offered this amount in or around XX/XX/XXXX but communication was never communicated back but rather my account was turn over to XXXX XXXX XXXX XXXX, XXXX XXXX is now using a XXXX party, XXXX XXXX XXXX to play some type of bate and switch game, so Im reaching out to you CFPB to inquire as to whether this {$870.00} is still on the table? Im also reaching out to the other Federal agency for Resolve! Its apparent that there are some underlining issues for which XXXX  XXXX XXXX XXXX are intending, but I only want to Settle this foolishness Thanks
Consumer complaint received 2023-03-27
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: SYNCHRONY FINANCIAL (NJ)

Complaint was filed with CFPB ( XXXX ) for a purchase that was not being refunded. Paypal and the vendor apparently acted on the same day and the charges were removed by both. Paypal then removed the additional refund, a response was sent back and my complaint was closed, I was satisfied because i made whole. Today i noticed that on XX/XX/23 Paypal Credit again added the same charge onto my Paypal account. I have not made any purchases for this amount. A chronological list of the transactions are below. 
XX/XX/23 XXXX {$410.00} XX/XX/23 Adjustment purchase $ XXXX XX/XX/23 XXXX XXXX $ XXXX XX/XX/23 XXXX Purchase {$410.00} XX/XX/23 XXXX Purchase {$410.00} This leaves me with the same {$410.00} charge despite not having received any products.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

I signed up for an checking account with Bank of the West  XXXX XXXX due to a promotional offer of {$250.00} if I performed DD for three months totalling at least {$1000.00} per month. I opened the account on XX/XX/XXXX. 

After the three months had passed ( end of XX/XX/XXXX ) I received no bonus. On XX/XX/XXXX I contacted the bank and asked them when they would pay out. They said to wait till end of XXXX. End of XXXX came and went and still no bonus. Again I asked them when I would get the offer. This time they said I did not meet the requirements since my account balance was {$0.00} on a specific day XX/XX/XXXX. Note this isn't in the promotional three month period and when I asked if I had met all qualifications no indications were given by any customer service rep that I had to have a nonzero balance on a specific day after the promotional period ended. 

The bank has acted in bad faith and has unfairly taking advantage.
Consumer complaint received 2018-06-02
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: Navient Solutions, LLC. (FL)

I have 20 missed payments from Navient on my credit reports from all three credit bureaus, XXXX, XXXX and XXXX that I want removed. I have been sending Navient letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that XXXX sued Navient because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of Navient offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I ordered a Back Reliever for my XXXX, the name of the company was called XXXX. The order was for XXXX. The shipping time was 2-3 weeks and during holiday time so I gave it some time. After about a month I sent an email to the company inquiring where my package was, since I had been following the tracking number. It was showing that it was " sitting '' in XXXX, NY for days and days. Even now its still showing that its sitting there ( XXXX # XXXX ) and its been in the same location since XX/XX/XXXX. I sent another email and received a call on XX/XX/XXXX from the company. I explained my issue and was told that I would receive a refund because my package was probably lost or stolen. I severely needed the product so I asked how do I receive it now, I was told I needed to resubmit payment to avoid waiting longer. I was used my personal bank card ending in XXXX via XXXX XXXX the first time, but that account didn't have enough funds, so this time I had to pay with my actual card ( business account card ending in XXXX ). I was told to look out for an email and new tracking. 6 days later ( XX/XX/XXXX ) I call back saying I got nothing and they said it looks like my payment didn't process, so they ran my card again. So after the call I check my account only to see that I had been charged TWICE!!! Once in the amount of XXXX and another for XXXX!!! I immediately call Citibank and for some reason I always get connected to someone who's trying to rush me off the phone or won't listen. I understand that the payment was pending, but the rep didn't offer much help and said she would file a claim for the XXXX, but couldn't do anything about the XXXX because it had just happened the day before ( I had to call back the next day because the Business fraud department was closed ). The rep said she would try to cancel the payment and if she couldn't and it posted, I would be called back and the XXXX would be added to the claim. It's been days and I haven't heard anything back and keep being put on hold every time I call. Also, I wasn't even offered the chance to order a new card!!! I was told it's not an option, I'm just confused and have had to just lock my card until I need to use it. It doesn't make any sense, it's like they invite companies to steal our money and then leave us hanging in the balance. I have photos of the receipt and everything im explaining here. Also, the charges are showing they're coming from XXXX, I'm clearly located in XXXX XXXX, Ca, and made that very clear during the call. CITIBANK is giving me a headache.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (MA)

- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX  continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX  results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX, I filed a formal complaint ( reference number XXXX ) regarding issues with my Apple Card, which I obtained in XX/XX/XXXX for a XXXX XXXX XXXX XXXX My subsequent health challenges and the loss of my wallet, containing both the card and my mobile phone, severely disrupted my financial management. These challenges included hospitalization and a stay at the XXXX XXXX XXXX, as well as travel to XXXX, complicating the resolution of my card issues. Despite these difficulties, my attempts to address the issues were met with indifference by Goldman Sachs, especially regarding the recovery of my phone, which was found at a gas station by an acquaintance named XXXX. Despite no card usage since XX/XX/XXXX and its subsequent loss, Goldman Sachs dismissed my dispute. 

In response to my complaint to the Consumer Financial Protection Bureau, Goldman Sachs agreed on XX/XX/XXXX to credit {$7000.00} for disputed transactions and an additional {$500.00} for XXXX merchant-favored disputes as a goodwill gesture. However, inconsistencies in later discussions emerged, with claims that I owed {$4400.00}, exacerbating my XXXX health issues. Despite their initial agreement, further conversations were contradictory, leading me to file another complaint on XX/XX/XXXX ( reference number XXXX ). 

Goldman Sachs responded on XX/XX/XXXX, stating the crediting of {$7000.00} for unresolved disputes and an additional {$28.00} for XXXX merchant-favored disputes. As a courtesy, they stated that they credited {$470.00} for XXXX past merchant-favored disputes. They also stated that refund checks totaling {$2100.00} and {$470.00} were mailed on XX/XX/XXXX, acknowledging a communication error. 

Despite these claims by Goldman Sachs, I have yet to receive any refund checks. Most importantly, Goldman Sachs reported late payments for XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 90 days past due ), XX/XX/XXXX ( 120 days past due ), and XX/XX/XXXX ( 150 days past due ) to the credit bureau, adversely affecting my XXXX XXXX. These reports do not reflect the severe disruption to my financial management due to my health challenges and the loss of my wallet and phone, and no card usage since XX/XX/XXXX, and the loss of the card. Despite repeated attempts to resolve this through phone calls and emails, which have been met with automated and unhelpful responses over the phone and via email, the inaccurate credit reporting remains unresolved. 

Attached, please find screenshots of my up-to-date credit report from XX/XX/XXXX, showing the late payments and also the automated email responses from Goldman Sachs, asserting the accuracy of the reported information.