davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
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: JPMORGAN CHASE & CO. (DE)

- Unauthorized transaction on my Chase CC for {$740.00} on XXXX, with merchant XXXX XXXX, a merchant I have never previously done business with - Filed a complaint with Chase immediately ( XXXX ) - Learned that my CC details were compromised because a 2nd merchant, XXXX, called me about an order they were having trouble fulfilling ( also on XXXX ) ; once I confirmed I had never authorized that transaction they worked with me to cancel and told me to call my CC issuer and let them know my details were probably compromised - NOTE : Neither the XXXX XXXX  nor XXXX purchases were authorized or conducted by me or with my awareness ; moreover, no other person has access to my CC or details. 
- Chase denied my dispute of " unauthorized transaction '' on XX/XX/2020 because " You received benefit from this transaction. '' - In speaking to Chase, Chase determined I " received benefit '' from transaction because documentation provided by merchant included my : Name ; Address ; Phone Number - NOTE : Name, address and phone number are all publicly available information which can be obtained by doing an internet search ; more likely this information was provided along with my CC details when the info was compromised - NOTE : When disputing, " Did not authorize, '' the denial reason that I " received benefit from transaction '' does not cure the nature of my dispute. Disputes for " unauthorized transaction '' should be cured by the merchant providing evidence of authorization, not -- as Chase informed me over the phone -- " merchant documentation of my name, phone number and email address. '' - NOTE : The denial reason, " received benefit from transaction, '' is not valid unless Chase has received evidence from the merchant in question that confirms that I actually received any benefit from the transaction in question, NOT that the merchant was provided my name, address and phone number. If I received a benefit ( which I most certainly did not ) then I would expect Chase had proof that I ACTUALLY RECEIVED ANYTHING FROM THE MERCHANT IN QUESTION. Chase did not have this documentation or at least did not state they did when we talked earlier today, XX/XX/2020 - Not only did I not conduct or authorize this transaction ( which documentation providing an IP address for the person who placed the order might help confirm, as the IP address is most certainly not mine ) but I also never received any merchandise or refund, which makes this denial reason entirely invalid.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

XX/XX/year>, the loan XXXX for our solar should have been paid off. It was in the name of my landlords mother but I was making the payments, my bank account was the only linked account, my email wad the only linked email, same with my phone number. 

According to their website, we owe {$0.00}, but they keep calling me. I've never been available when they call to see what they want, but when I call back they tell me they can't tell me why they're calling because im not an authorized person on the account, even though every single time I've called when we still owed money, they told me whatever I asked. 

I just need to know WHY the keep calling me. They gave me whatever information I needed while we owed them money, so im wondering why all of a sudden, after we fully paid the loan, they can't talk to me anymore. 

My roommates mother 's name was on the loan amd she's now deceased, and they certainly were quick to help myself ( who they won't talk to anymore ) and her husband ( who has NEVER been involved in the loan ) get whatever info we needed. They're just talking to anyone as long as it gives them money, and since they have my bank account on their site, I don't trust them and want them to leave me alone.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

I originally filed this against paypal, who informed me that synchrony bank is responsible.

Here is a copy of the complaint I originally filed : I bought a computer from XXXX through my Paypal credit card by going on the website and chatting with the Representative. I was having to return the original computer because the trade in was not processed properly. The Representative created the cart for me but the price was wrong. It was some XXXX higher then it should have been. The Representative assured me that the difference would be refunded to me when the trade-in went through. I hesitated, and asked him to double check. He assured me that the difference would be refunded. The difference was never refunded. I called XXXX and they said it was because I didn't create the order under my account. When I pointed out that the XXXX XXXX created the order, they said they could file an appeal. I said that was never the agreement. I was lied to in order to create a sale. And paypal has not followed up. They're " investigating '', even though the transaction was in XXXX. They need to give me an answer and I need the refund I was promised by XXXX. They just charged me 80 % more then they promised. And paypal has done nothing but maintain silence.
Consumer complaint received 2020-01-24
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. (NC)

I have contact XXXX XXXX XXXX several times to remove this fraudulent account on my credit profile ( Experian ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within XXXX XXXX XXXX. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. XXXX XXXX XXXX continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that XXXX XXXX XXXX removes this information from the credit agencies immediately. The account that is being requested to be removed is : XXXX   XXXX XXXX Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (IN)

My daughter XXXX XXXX spoke with XXXX XXXX and XXXX XXXX about getting a car. XXXX XXXX asked if she could get someone to co-sign and put a down payment down for her she gave him my name informed him XXXX XXXX XXXX. Before I could meet her XXXX XXXX started in on his high-pressure sales tactics on getting me in a car. XXXX outlander. XXXX kept stating yes she has money she looks like money. Per XXXX the car was new insisted I drink more coffee due to working XXXX hour night shift and being there till XXXXXXXX XXXX I was up for XXXX hours repeatedly stated I need to leave and return tomorrow XXXX XXXX kept being aggressive with his high-pressure sales tactics insisted he was ready for me to sign the paperwork. I stated again with XXXX XXXX as my witness I needed to sleep then review the paperwork Ill return in the morning XXXX XXXX said ok on Friday XX/XX/XXXX at XXXX. I return Saturday around XXXX to discuss my concerns of XXXX XXXX and driver side brake issues. Per XXXX XXXX he has the car his brakes does the same thing noting wrong with the brakes. Then stated the bank already closed on the deal their car lot didnt participate in the 3 day resend this wasnt like having a mortgage. While address concerns of a 24 % interest rate and 72 month payment of {$900.00} a month. I didnt agree with those terms nor wanted 72 months of being charged usurious interest rates. XXXX XXXX ran my credit again dropping my credit score down. Per XXXX XXXX the car is brand new. I informed him the car is used. XXXX XXXX got aggressive stating it is new has XXXX miles. According to the paperwork the used car had XXXX miles. When asked why did he deliberately run my credit again he stated how are you going to get your credit score up now! Your going to need my deal to get out of debt, your going to pay that {$66000.00} whether you keep the car or not. I asked for the lender number XXXX stated it was on the bottom of my paperwork. I called Santander Consumer USA a lady answer the phone stated they do participate in the 3 day resend that XXXX XXXX needed to complete the paperwork at their store and send it to them. She gave me the bank personal number he wasnt available Saturday XX/XX/XXXX I did get ahold of him Monday XX/XX/XXXX spoke with XXXX ID XXXX who stated my account had not been processed at that time ( XXXX XXXX ) that XXXX XXXX had to complete the paperwork there to stop the deal and fax it over. All parties were aware the vehicle was returned within XXXX hours of signing. On XX/XX/XXXX a new contract was mailed with vehicle sale of {$29000.00} and new payment {$870.00}.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AZ)

LVNV has repeatedly called me all hours of the day and night and does not provide any information regarding who the creditor is or validation of this debt. Most people who call are foreign and they don't answer me. Some of these collectors have called and cursed a me. I pulled my credit and it states " Original Creditor Unknown '' so How is this legal?
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OK)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

A payment of {$10000.00} was made on XX/XX/year> through PayPal ; they held {$9600.00}, I received an email the next day stating they were going to keep a reserve until XX/XX/year> and they will release 50 % of the transaction then they were going to release the second part on XX/XX/year>, we called and then they said that they were going to hold the money for 180 days as a reserve. 180 days half past I have tried calling again and they do not wan na release my money. They took their fee and according to what they have told me they need to release the money. I have tried to call three times and every time they tell me something different the first time they say to wait 21 days then the second time they say to wait 180 days I just called because the 180 days passed and now theyre saying, they can not give me the money.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

I had a mortgage with Chase. I sold my condo on XXXX. I was told on XXXX " We'll mail you a refund You'll receive a check for an estimated {$4100.00} by XX/XX/XXXX, for the extra funds we received on your account. '' On XX/XX/XXXX I called chase, found they sent my check to the place I sold. I asked on XX/XX/XXXX if they could deposit the money into my Chase savings account. I was told YES and it would take 2-3 business days. 

On XX/XX/XXXX I called and asked where my money was since it had been 3 business days. I was told it 'was in progress ' and that it would be in the account by XX/XX/XXXX. 

On XX/XX/XXXX I called in, spoke to a 'supervisor ' who said it would be there by the end of the day ( a friday ). I asked what I should do if it doesn't arrive, he said " call us Saturday we work then too ''. 

On XX/XX/XXXX ( Saturday ) I called back. I spoke to yet another supervisor who told me he had no clue where my money was and that it wasn't his problem to help me. He kept talked about " us '' and " them '' ( meaning mortgage and checking depts ). He told me he'd email someone but told me no one works weekends. 

It seems unfair that they can keep my money from me without having to pay some kind of penalty. we are talking about them stealing over XXXX $ from me, money they agree is mine, but money they won't give me. 

If I missed a payment to Chase, I would get heavily penalized from them. Is there any way to have Chase penalized for stealing my money?
Consumer complaint received 2020-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have contact Bank of America several times to remove this fraudulent account on my credit profile ( XXXX ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within Bank of America. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. Bank of America continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that Bank of America removes this information from the credit agencies immediately. The account that is being requested to be removed is : BANK OF AMERICA Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off.
Consumer complaint received 2024-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

My name is XXXX XXXX, a federal protected consumer me, and I am making this complaint against Gulf Coast XXXX  or committing identity theft. I have never given Gulf Coast XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt with Gulf Coast XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As ofXXXX, I have not received documentary evidence, such as a trilateral contract, giving XXXX XXXX Bank any right to collect on this alleged debt.

I have never received any documentation requesting validation from Gulf Coast XXXX, before they
committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Gulf Coast XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gulf Coast XXXX  continue its collection efforts, I will file for litigation for actual damages caused and Gulf Coast XXXX  will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number be provided to me the consumer.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Please note that I am not the consumer in this matter. I am the merchant filing again the credit card company for an unjust acceptance of a chargeback and allowing fraudulent information by the consumer, or creating a way to fraudulently allow the consumer to file the chargeback after XXXX, with no real reason. Leaving me no way to fight it properly. 
================================ I am filing this complaint to address the improper handling of a chargeback dispute involving both American Express and my payment processor XXXX. I believe their actions in this matter have been unjust, and are a violation to consumer rights. 

Date of Transaction : XX/XX/year> Date of Chargeback : XX/XX/year> Amount in Dispute : {$860.00} Service Provided : Marketing Services I provided online marketing services to the customer, as agreed in a signed contract. The customer 's satisfaction is documented in emails, with no complaints or disputes raised at the time. However, XX/XX/year>, the customer initiated a chargeback through American Express, alleging vague and unsubstantiated claims under the category " General, see additional notes. '' Issues with the Chargeback : Lack of Transparency : I was given no specific reason or supporting documentation for the chargeback, making it difficult for me to mount a proper defense. 

Untimely Filing : The chargeback was initiated 205 days after purchase, well beyond any reasonable dispute period. Both American Express and XXXX accepted the chargeback without questioning the delay. 

Potentially Fraudulent Actions by the Customer : The customer only sought to dispute the transaction after attempting to coerce me into providing additional services outside the scope of our original agreement, which I refused. 

Impact on My Business : The unjust acceptance of the chargeback without clear reasoning or due process has left me with no recourse, despite having fully rendered services and documented the customer 's satisfaction. 

I have attached all of our email correspondence for your review. Leaving nothing out. You will see timelines of requests ... excuses why it wasnt provided and satisfaction before canceling service. 

Desired Resolution : I am requesting a full refund, plus all fees assessed and compensation of my time during this fraudulent claim I am requesting an investigation into the practices of both XXXX and American Express regarding this chargeback. Specifically, a review of the procedures that allowed this chargeback to be accepted without proper reasoning or within the appropriate time window. 

I request the chargeback be reversed, my account restored and compensation for any financial damages incurred during this time.
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC (IN)

Since the beginning of loan the terms where a lie between avid and XXXX XXXX of XXXX ky. I fell behind on payments for a short while got caught up.and now the money I have been paying is mostly ate in interest .and late fees and nothing is being applied toward the car.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I am receiving letter from LVNV funding for a credit card debt that I have no knowledge of any never had that credit card in my possession. The credit card was mailed to an address I have no knowledge of. I always lived and have always received mail at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am writing this to acknowledge that I have no information on the credit card used under my name. Please review, I am an Elderly retired woman with no access to apply for any credit card when I do not have enough money for myself. Thank you, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (NC)

When finding out about the balance on my credit report I knew it was not accurate, in my own findings I found out that the account was sold several times. However the balance is not correct as well as when requesting the information of the itemized statement I was hung up on by the business, told that they will force me to give them money. I asked to speak to a supervisor and they again hung up the next individual I spoke to laughed at me and said I wont get the information Im looking for and there is no information on the account. I asked several times and explain the information was not valid and never got a response.