davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX i open a new credit card with Chase with a promotion to receive XXXX points as long as I spent XXXX in less then 3 months. Instead i received 3 separate certificates for a 3 night stay or up to XXXX points for each certificate which came with many restrictions and can not be combined. 

On XX/XX/XXXX, i received a 1099- Misc from Chase for the 3 certificate received, which I have not redeemed yet and which required XXXX purchase to get the certificates. Based on my understanding, IRS does not treat the welcome bonus with spending required as taxable. 

After numerous calls to Chase, and transfers from their 1099 dept and back to customer service and back to 1099 dept, no one can tell me why i was issued a 1099-Misc or even confirm in the system 1099-Misc amount sent to me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, 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 U.S.C 1681 HUNTER WARFIELD INC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1000.00}
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

US Bank repeatedly mails me statements that do not reflect my payments, which are always sent in on-time. They threaten late fees when it is apparent that they simply jump the gun and prematurely send out statements with a double balance. My monthly amount due is {$1400.00}, but more than once, US Bank has sent me a statement for {$2900.00} because they are too incompetent to wait 2 days for a payment to arrive before they generate another statement. The new statement then threatens late fees for not paying on time, when I always pay on time AND I overpay my principal. This results in me having to take time out of my day to deal with their frustrating automated telephone menus and long hold times to get a new, accurate statement generated and verify that these crooks actually properly processed the payment I sent on-time.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

I am an account holder with Ally Bank. I recently made a deposit of {$700.00} online through their app. I called up inquiring about why there was a hold put on it. I went through the customer service line and the first person didn't have too much information but was helpful enough to transfer me to a supervisor, XXXX. XXXX reached back to his " check processing '' dept. XXXX came back on the line and indicated the hold was put on because that department has reason to believe this check won't cash. I asked for further explanation and he said that is all he can tell me. I explained to him that I had deposited a check from the same payer a couple weeks prior, a hold was put on, and it did not bounce. The check that I was inquiring about was significantly smaller. I asked him what would happen if this was check that I needed access to right now. He said that it wasn't a " Dire '' need after reviewing my account. I'm not sure what he is talking about or what would constitute a dire need. I asked him if he was inferring to this check amount against my balance that is larger. I asked him to note the account with the notes of what he just said and explained to him how that is discrimination. I asked how I could reference him at a later date and he said anyone can just see which XXXX made the notes.
Consumer complaint received 2017-11-03
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: WELLS FARGO & COMPANY (MD)

I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.
Consumer complaint received 2020-12-11
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: ATKB PORTFOLIO MANAGEMENT, LLC (CA)

On XX/XX/2020 @ about XXXX XXXX a representative of a law office stated my fianc owed money for first for a debt with XXXX XXXX XXXX then said XXXX XXXX XXXX stating the amount of {$800.00} was owed but would settle for {$300.00}! I asked what collection agency this was and was told a law firm! I paid the {$300.00} but my bank flagged it as a scam and denied the transaction! They threatened to serve law suit at job and threaten legal action, report for bad credit, which this debt was not on either of our credit report nor have ever received a bill! They bullied us until we gave bank info! The phone number was XXXX but the charge in bank came from ATKB Portfolio at XXXX! Im very upset and dont take kindly to being threatened
Consumer complaint received 2024-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

The company name is TRANSWORLD SYSTEMS INC. I don't know this company at all. I send them a certified letter on XX/XX/XXXX asking them to give me information of what I owe them. I haven't received any information at all. I found out about this debt thru my credit report. I disputed 3 times and they said is valid because is from a hospital. The last time I went to the hospital was back in XXXX and I had insurance. Never did I received a bill or any source of information. This is affecting me. I never had any type of collection.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MO)

Mr. Cooper has an escrow account for my mortgage and performs and escrow analysis on my mortgage annually. 

Missouri real estate taxes are due XX/XX/XXXX of each year. Mr. Cooper has been making the payments early, in XXXX. This artificially creates a deficit in my escrow account in XXXX ( a deficit for escrow analysis 2times monthly payment purposes, still a positive balance ). They have only provided a notice from their vendor, XXXX that created an artificial XX/XX/XXXX due date. They actually paid XXXX XXXX on XX/XX/XXXX. They have chosen the XX/XX/XXXX due date instead of paying 10 days before the economic loss date. 

If Mr. Cooper waited till XXXX to remit the payment I would have an escrow surplus. They have artificially created a deficit for multiple years in a row, resulting in a higher monthly mortgage payment. In turn Mr. Cooper receives extra interest on all the escrow account balances because they are choosing to pay early to create deficits in consumer accounts.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I am eligible to receive loan forgiveness of {$17000.00} per the XXXX Loan Forgiveness Program. To receive forgiveness, you must be XXXX a qualifying subject at a Title-1 school for 5 consecutive years. I have fulfilled this requirement, though at two schools. My first two years XXXX, I was XXXX special education at XXXX XXXX XXXX XXXX XXXX which is in a Title-1 school district. I then moved to XXXX XXXX XXXX XXXX in XXXX ( Title 1 district ) and began XXXX 6th grade math ( qualifying subject ). I have applied for XXXX loan forgiveness ( which I know I am eligible for as a few of my colleagues have received forgiveness teaching the same subject ( s ) ) and have been rejected on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While I understand that my earlier applications were rejected due to submitting prior to end of the school year, the application rejected on XX/XX/XXXX was submitted on XX/XX/XXXX, after I completed my 5th XXXX  year, and my application was rejected as well.
Consumer complaint received 2020-12-11
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 (TN)

I reopened my Pay Pal account, after closing it in 2017 when my debit card was compromised. I needed to reopen it for XXXX. This time I attached my XXXX XXXX, but then they asked for statements from 2017 from the closed debit card, which I dont have. Then asked for a picture of my ID. I decided not to provide it. It sounds very suspect to me. So I tried to remove my XXXX XXXX, and they wouldnt let me. I had to call XXXX  to cancel my card and all reoccurring charges. I told Pay pal to delete my account. They wont. They just keep messaging me. I want them to delete my information. They have inconvenienced me with my XXXX  card. I want them to cancel my Pay Pal account.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

( XXXX ) Applied for eligible card with Capital-One XXXX ( XXXX ) Card arrived via mail - opened an online account with all my data and bank link for payments ( XXXX ) Tried to activate on the Capital One website account and told my account was " restricted '' and to call customer service. ( XXXX XXXX Capital One Customer service - called both the number printed on the card AND the number on the website I was informed to contact. ( XXXX ) CS stated that I needed to verify a code by phone text - claiming they sent but never arrived- so I asked them to send it by email and they refused, outright refused. ( XXXX ) All my valid contact information is listed on my credit report and 3 Credit Agencies- The Capital-One CS requested a copy of my ID to verify identity { which is understandable } which I had ready to send them but they REFUSED to provide customer a link to do so! + there is NO LINK on the Capital One website to send the requested data! ( XXXX ) Next day, I received an email from Capital One for a SURVEY about my CS experience [ yet they still failed to send me a link to upload my ID ] ( XXXX ) Went back online to close my account because of the ludicrous hassle it was to activate a card, and when you click the link to do so, it says YOU CAN NOT CLOSE THE ACCOUNT without calling a Customer service number? ( XXXX ) I tried to call the XXXX CS number provided and my phone company has apparently blocked it as a reported scam line? XXXX Capital One is the ONLY credit card company I've had that has ever demanded copies of my photo ID 's - more worrisome, their Fraud Dept personnel claimed could not even view my online account I had on their own website to verify the info I gave them - They create waste sending you a card and then refuse to let you use it - and fail to give you any way of forwarding their requested info/ID just to activate it. This CC company makes no sense. They pull a credit report impacting your credit score and then provide NO SERVICE- they have NO links on their website to send in data nor any real CS on chat, regardless, CS will refuse to forward any links to do so. It's baffling - Capital-One has some serious internal functionality problems. A complete waste of time - requesting to CLOSE MY ACCOUNT and be sent a verification letter - my card was never used, nor even activated.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America credit card was on autopay for minimum payment due. I paid off the balance on XX/XX/XXXX - The payment was due XX/XX/XXXX. Yesterday they took a payment of {$220.00} when the balance was XXXX. The payment is showing in my checking account as pending today and will show as posted with today 's date. I called today, spoke with XXXX different people. They will not reverse the payment until it has posted. 
HOWEVER, I have to call back to make that happen. They will not do it without a callback, though they are at fault. I have already spent XXXX on the phone with them today, losing billable hours. 
This generates interest income for the bank for every day someone does not call them after this happens. And this SHOULD NOT be happening in the first place. 
This practice violates consumer protection laws because it serves no purpose other than generating revenue for the bank.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

There are multiple utility companies brokering utility services in Texas, that accounts have been opened in my name, which is a very common name. I have never been to Texas, I do not own any properties, nor have I done any business in Texas. I have always resided in California. The companies involved, after directly contacting them and speaking at length about these accounts that are not mine, and refuse to investigate their own systems for the information provided upon opening of the utility service in order to connect to the true owner of the accounts. They wish to have me provide additional personal data to prove it isnt me. Being that this is obviously identity theft or an outright error, I have not provided my personal information to this unverified company. The debts owed have been sold to XXXX XXXX and Portfolio Recovery Services, which also have failed to provide any information or actually proof of my ownership other than my name, which is a very common name.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I noticed in XX/XX/ that there was a hard inquiry from JP Morgan Chase Bank ( JPMCB Card ) which brought my credit score down. I called that bank and told them that I believe that is fraudulent. They said it was for a credit card application. I told them I have not tried to get any new credit cards for a long time and that I did not apply for theirs. They said they were going to put a fraud alert on my credit report, send information to the credit report sites and that it should be removed from my report within 30 days. It has not been removed. I called XXXX today when I noticed it hasn't been removed and so they told me to file this.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

CHARGE-OFF/COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

Requested on XX/XX/XXXX than XXXX USD was deposited in a XXXX account. They instead deposited XXXX dollars and a lower amount than was expected based on the lowest exchange rate for that day. XXXX USD less. Their site stated that they were no fees associated with transfers over XXXX USD. Despite repeated requests they have not addressed the discrepancy adequately. This seems like a scheme to consistently steal money from clients using a hidden fee structure and might be a violation of XXXX XXXX. I suspect this is a happening to many customers who are transferring money internationally. Please investigate this unfair banking practice.
Consumer complaint received 2024-02-01
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (FL)

Signed up over the phone around XX/XX/XXXX. 
On the phone we agreed that I would deposit {$1100.00} monthly to for debt settlements. 
On the phone we agreed to $ 100 monthly retainer fee. 
On the phone agreed to {$10.00} monthly fee. 

After my first deposit posted on XX/XX/XXXX, they additionally would charge a " Service Fee '' of {$800.00}, and a " Admin Fee '' of {$99.00}. 

These actions continued through the month of XX/XX/XXXX, until I heard about a lawsuit against them in XX/XX/XXXX, and decided to cancel with them. I asked them to not include the " Service Fee '' and " Admin Fee '' for each month ( {$6300.00} total ) in refunding my deposited money, and they refused. They're saying the additional " Service Fee '' and " Admin Fee '' for each month were written in the contract I signed. 

On the phone during signup, I was told that if I decide to cancel after some months, I would only owe the total of the $ 100 monthly retainer fees and {$10.00} monthly fee, and they would refund the rest of my deposited money minus the $ 100 monthly retainer fees and $ 10 monthly fee. 

It is clear that they're blatantly lying over the phone call just to get you to sign the contract. I asked for the recordings of the signup phone calls and they said they don't give them to clients. 

If they would have clearly explained on the phone that out of my {$1100.00} monthly deposit, they would " steal '' {$900.00} of it, I nor anyone else would ever signup with them. They're strategy is to say one thing over the phone, then hope the consumer doesn't read through and understand every line of the super long contract that they have you sign in person. 

In the approximated 7 months I was with them, they did not settle a single debt. On the phone I was told they would only get paid 25 % of the settled debt amount for each specific debt. 



They owe {$6300.00} total for the " Service Fees '' and " Admin Fees '' that they didn't explain during the signup phone call.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I noticed a collection account on my credit report from portfolio service for {$590.00}. I contacted portfolio disputes service to start a dispute claim. I was told that a credit card was opened in my name with XXXX XXXX XXXX  back in XX/XX/2016. I advised portfolio services that I did not open this account. I requested the original credit card agreement and or singed credit application be sent to me to validate this account and the company could not provide it. They continue to report negative on my credit report. They are reporting false dates to the credit bureau.