davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX with my Chase Sapphire credit card account I redeemed my rewards points for a flight for myself and another passenger from XXXX to XXXX with the travel dates of XXXX XXXX XXXX. This redemption costed me XXXX points, for a value of {$680.00}. Due to XXXX, my aforementioned travel plans were cancelled and Chase emailed me stating " We have issued an airline credit for your flight ... the details will be emailed to you in a confirmation email ''. This flight credit or confirmation email was never issued to me, and several of my attempts to discuss this matter with Chase to claim my travel credit has failed due incompetence of this subject matter by their rewards department. Each trip advisor and supervisor state they will call or email me within XXXX days with a resolution to this case, however I do not not receive any correspondence beyond the XXXX day timeframe given. I will then reach out to Chase after several days, but get the same go-around. After many unsuccessful attempts to resolve this directly with Chase, I would like to file a complaint so this problem can be resolved. I have all appropriate documentation to support my claims and will be happy to provide these upon request. 

*On a side note, XXXX Chase representative claimed my travel credit would likely have expired because it is beyond XXXX years since booking, but my refute to this is that XXXX and XXXX did not reopen their borders for international travelers until XXXX, XXXX, so I would not have been able to use it during that XXXX year window regardless. Since the borders have reopened for foreign travelers, I have been trying to reclaim my credit with Chase, but without success and would appreciate your department 's assistance. 

Thank you, XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (CA)

I want my new debit card added to my XXXX account and every time I try to add it I keep getting error message. I called XXXX XXXX to resolve it but they keep giving me the run around.Saying their third party got handle it in 7 days then try again. So I wait 7 business days and still there no charge I been dealing with problem for going on 2 months. Not having my account back right is making very hard to feed my kids and even myself.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that /my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section XXXX05b ( a ) Equifax and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXXXXXX XXXX XXXX XXXX XXXX  agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-05-28
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 (VA)

I have attempted to resolve the issue of having fraudulent information appear on my credit report for a Bank of America credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru XXXX  on XX/XX/XXXX after contacting Bank of America. The account has recently been closed by Bank of America with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.
Consumer complaint received 2023-01-12
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2023-01-12
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. (NC)

In accordance with the fair Credit Reporting Act this creditors have violated my rights and 15 USC 16181 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 it also state consumers reporting agency can not furnish an account without my written instructions under 15 USC 1666 a creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I deposited {$15000.00} with Citizens Bank on XXXX XXXX, 2022, in opening a saving account with them. They claim they never received the money, despite their acknowledging my deposit ( see attached ). The money was debited from my saving account with another bank ( XXXX XXXX XXXX ) and they have produced evidence that they did indeed transfer the money to Citizens Bank. The attached email, sent XXXX XXXX, is my latest demand to Citizens Bank that they return my money, with interest. I have received no response.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-12
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AK)

I am social security number XXXX reporting fraud, theft and other crimes against my checking account with Chase Bank .... 
The withdrawal activities in my checking account are under criminals attacks against my financial funds with Chase Bank... 
Please investigate and refund my money back into my account. 
I will open another checking account with another bank. 
Thank you so much .... 
Also ... check in my XXXX accounts ... for theft and fraud and other crimes against me ... 
Thank you so much ....
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (FL)

I need an immediate phone call please from someone in the executive/senior level of Lending Point. I have been attempting to make a payment since the beginning of XXXX and because of Lending Point system failures, and staff unwilling to recognize their errors or their team 's, i I have been unable to do so. Lending Point also fails to deliver what is promised, and has passed my account continually to different individuals. They do not properly document or pass on information to the system or to each other.
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

I was a XXXX XXXX XXXX  and was going through a XXXX  in XXXX when I went into forbearance. I struggled in a tough market and decided to take my safe test and get into mortgages to have more job security. I started a home modification last year with freedom mortgage along with submitting info to XXXX  in hopes of getting back on track. Ive been back and forth with freedom mortgage. XXXX set of docs they sent out had my ex husbands name and I said he was not on the deed and needed to be removed and sent in deed to show he was not on XXXX said I was still protected in loss mitigation. This has gone on for months! I kept following up monthly with a different banker giving me the same story that I was protected. I got a statement in XXXX to make a payment and I called to do so and the banker told me a different amount then what I had and gave me some story. Then said I didnt need to make the payment at all as I was still in mitigation. I went ahead and paid {$1500.00} as it was the holidays and figured I was still protected that I could use the extra money for XXXX. My docs came in and I signed and had had them notorized thinking my XXXX payment would be XX/XX/XXXX. I called to make my new payment and was told I was to start making those payments in XX/XX/XXXX and owed around XXXX on top of my new XXXX XXXX. I immediately asked to speak to a supervisor and was directed to XXXX XXXX who said he would be my point of contact since no one was giving me the correct info. A few days after I spoke with XXXX  I received intent to foreclose on my home and I reached out to XXXX  who said it was a standard letter not to worry. Ive reached out to XXXX  multiple times since trying to get updates regarding the XXXX and no response. I received new docs to sign this wk to sign with my XXXX XXXX  name again on the statement. Since I had sent XXXX additional emails to XXXX  with no response I sent another stating that I would go above him if I didnt get answers as to whats going on and still no response. I reached out to XXXX back in XXXX where my status as of XX/XX/XXXX still says under review and they responded to be patient. I just want to keep my home for my children and pets and no one seems to have it together or no whats going on at freedom. Clearly if I had XXXX at this point Id pay it! XXXX reaching out to you along with speaking to an attorney tomorrow who Ive obtained through XXXX XXXX  who I work for now in hopes to get this settled as its very unsettling and causing me nothing but stress!
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XX/XX/23 I woke up to see that my car window had been smashed. Somebody broke into my car, took my wallet and proceeded to complete XXXX transactions on my debit card totaling over {$1000.00} I gave my bank, Chime, multiple opportunities to correct this and refund me my money. Every single time they deny my claim stating that the merchants used are close to my real location so therefore it cant be fraud. I have sent them a police report I filed on XX/XX/23 stating the same transactions Im disputing. When I ask for the documents their team used to see if it was fraud, the document they send me is full of data entry mistakes. I reopened my dispute 4 times since then to have them correct this and still Ive had no luck. I really just want my money back. 
In the attach documents section I have added the police report I filed. I added it in pdf form and through screenshots on my phone. Unsure of the better format.
Consumer complaint received 2023-03-05
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: Americas Car-Mart, Inc. (OK)

This car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX  didn't give permission for the other ones for 2022.
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (VA)

I paid my entire lease and have a letter from them that everything is paid but looking at my credit report it seems that they are saying that I did not completely pay or end the lease. How can I get this removed from my credit as the car has been returned for over 8 months and I have never been late on any payments? I over paid them and they sent a check last month for an overpayment of {$750.00}. This is for a lease for a Volvo.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I received an email from XXXX saying someone was trying to use my account to buy crypto. Someone called me named XXXX and set himself out as a representative of XXXX. ( At that time I had tried to close my coinbase account several years earlier and it was restricted ). I found out later this guy was a scammer and scammed me out of {$1200.00}. Chime Bank has denied all of these fraudulent transfers saying they were not an error. Basically saying i'm the one that did all this. I've sent them multitudes of emails denying this I've already closed. My secured credit card with them and my savings account and as soon as all my debits are out of my account I am closing this account. I've been victimized first from the scammer and now from my bank
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I received a debt collection notice via USPS on XX/XX/XXXX  for the amount of XXXX owed to XXXX XXXX XXXX, I called my local XXXX XXXX XXXX in North Carolina to verify the information given, They informed me that this is a bill for an address in Florida and this could be a result of fraud since I have never lived or opened an account in Florida. They informed me to report this to www.FTC.gov and call all credit report agencies, I also tried to call the collection agency Helvey & Associates , Inc . I left a message to call me with all information provided, I have yet to hear back a response.