davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

Upon receiving and reviewing this information in the response from you I am in disbelief that you can verify this information after evidence already submitted to you would irrevocably strike that possibility down. 

This is yet another attempt in good faith to prove and provide sufficient documentation and come to compliance standards of the many violations I have found in these illegal reportings all backed by evidence that I've already presented to you in which you are becoming willfully noncompliant with the FCRA. Some violations as you have still yet to provide me with your lawful permissible purpose with my written instructions ( 15usc1681b ( 2 ) ) are in which that can lead up to fines under title 18, you have single handedly assassinated my credit worthiness, credit standing, credit capacity, character, and general reputation through the fraudulent, unlawful, inaccurate, incomplete and unverifiable furnishings and obtaining of this information.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year> I received {$2000.00} from a customer who purchased a XXXX XXXX XXXX. I ran the customers card via chases merchant account. WePay ( Chase XXXX ) closed my account on XX/XX/year> without a proper investigation. They did not reach out to me before making this decision. So the client has my puppy and Wepay has not informed me of whats happening with the {$2000.00} that I am owed. 

This was my XXXX time receiving payments via ChaseXXXX  since opening the account. The first payment received on XX/XX/year> was placed on hold. I received an email from wepay asking for information about my business : What type of services are provided? 
What is your website? 
What paperwork from IRS about your incorporation? 
Payment volume? 
And documentation regarding this sale. 

After submitting screenshots of the email thread with my customer, sending a copy of my ein, and providing the info about my business they approved the first transaction on XX/XX/year>. 


That was the XXXX transaction! This recent transaction had a very different and unfair/unethical account. 

They just closed my account XXXX after transaction with no proper investigation. 
I have documentation of the puppy listing on XXXX. I have screenshots of the conversation with my client. I have a customer signed pet contract. And I also have a picture of the client at my house with the purchased puppy before she left. 
I have no idea what WePay is doing with my {$2000.00} because they are very slow to respond to emails and they dont have a customer service number to call.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Tried calling customer service and was told by the manager XXXX that she was unable to connect me with management to discuss my fee issue. Was told that I could not speak to anyone at a higher level and that I would be charged a fee to get a check printed in the branch and that if I withdrew cash that I would be limited on my withdrawal. I was told if I closed my account and reopened a new account I would be given new checks at no cost. She refused to connect me to anyone in management that could look into my issue further.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I am writing to formally address the issues I have encountered during my tenancy at XXXX XXXX, which began in XX/XX/XXXX under a 15 month lease agreement. 
Throughout my time at XXXX XXXX, I experienced persistent XXXX XXXX, specifically a XXXX XXXX, which became increasingly unmanageable. In response to this, XXXX XXXX arranged for XXXX XXXX services to address the XXXXXXXX. Regrettably, the chemicals used during the treatment resulted in my child, who was XXXX XXXX XXXX at the time, developing a XXXX XXXX XXXX. This necessitated immediate XXXX XXXX, further highlighting the seriousness of the situation. 
Subsequently, as the scheduled XXXX XXXX dates approached, I expressed my concerns to the management of XXXX XXXX on XX/XX/XXXX, seeking alternative solutions to alleviate the ongoing XXXX problem. However, my attempts to engage with management were met with disregard. 
Despite my follow-up communication on XX/XX/XXXX, regarding the urgent need to address the uninhabitable conditions we were enduring, I was once again met with silence from the management team. 
Faced with the lack of response and resolution from XXXX XXXX following multiple attempts to address the living conditions, I made the difficult decision to vacate the premises. It is important to note that this decision was made as a last resort due to the persistent failure of management to uphold their obligation to provide a habitable living environment. 
I made every effort to seek a reasonable solution before resorting to relocate to a safe and livable space, but the consistent lack of action on the part of XXXX XXXX left me with no alternative course of action. 
It is deeply concerning that Promenade Towers, their management at the XXXX XXXX, and their representatives at IQ Data International, have not only neglected their responsibility to ensure the well-being and safety of tenants but have also unjustly imposed move-out costs and lease termination fees on my credit report. This unjust action has caused undue distress and harm to my family.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MT)

I submitted an application to transfer my balance FROM Chase Bank to an account I held with XXXX  XXXX XXXX. The wrong account was used, and I received a balance transfer from another customer at Chase, transferring their debt to my XXXX  XXXX XXXX account. The amount was never debited from MY Chase account. I have filed at least 3complaints with Chase and provided the number of the account erroneously used. Chase has failed to investigate and shown a basic lack of understanding of my issue. They have closed all complaints without investigation and refused to allow me to escalate the issue. I still have approximately {$2200.00} in debt on the XXXX  XXXX XXXX card that is not MY debt.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX promised goods and services and took payment but neither services nor goods were provided. XXXX XXXX XXXX ignores calls and requests for a refund. 

Chase bank would not dispute the transaction. 

Date of inquiry : XX/XX/2024 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (HI)

I paid Apple card/Goldman Sachs , {$14000.00} for my XX/XX/year> payment. Of that only a little under {$2500.00} was due with the rest being due in XXXX. XXXX bill pay sent them a check that Apple received on XX/XX/XXXX. XXXX then reported that my payment was late and charged me @ {$170.00} in interest. I contacted Apple about XX/XX/XXXX and The representative said they had no record of my {$14000.00} check. I therefore called XXXX to put a stop payment on the check since once it was presumably lost. The next morning, XX/XX/XXXX, I saw on my Apple app that Apple was processing my check for {$14000.00}. I immediately called XXXX and told them to lift the stop payment on the check. I then called Apple and told them all of these circumstances and I was assured that the check would not post until XX/XX/XXXX so there was plenty of time for the stop payment to be lifted. During all of these multiple calls, I was promised a callback by supervisors who could waive the interest fee. I have not been able to connect with one of those supervisors to date. I have repeatedly requested such a discussion and no luck. Apple received full payment prior to the due date. Because of their failure to locate the check, a stop payment was placed. It was then determined that Apple in fact posted the check on XX/XX/XXXX and because the stop payment had not yet been lifted the payment was declined by XXXX. On or about XX/XX/XXXX or XXXX. I sent an electronic payment of {$2500.00} to XXXX to fully clear the XXXX balance. I am respectfully requesting that XXXX reverse the {$170.00} in interest charged to me under the circumstances. I pay my account balance off in full each and every month. Several occasions XXXX has posted the payment after the start of the month and one or two occasions when an interest rate was charged, that interest was reversed immediately without any request by me.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (TX)

I've contacted KICKOFF on multiple occasions requesting full and complete detailed information giving authorization to open the account XXXX that I was unaware of. They provided a document with personal information stating that it was my digital signature giving them the permission to open the account. I need complete and full digital signature details provided not just my personal information draftedon a document. XXXX of 2022 Is the supposed date of the start of the account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc (OK)

First week of XXXX, I purchased a bottle of " XXXX XXXX '' gummies, because of the claims, '' good XXXX XXXX formula ''. The price on-line was {$36.00}. I later checked activity on-line and a charge showed that I didn't recognize under a name, not recognized I reported this to XXXX XXXX XXXX XXXX They closed this card under XXXX possible, XXXX ending XXXX, XX/XX/24 received ltr. from XXXX, stating : An error occured as asserted and applied a provisional credit while the investigation continued. No other word from XXXX, and I considered the matter closed. I have a Fraud alert on my credit bureau, because of Previous Fraud. Then on XX/XX/24 I get a letter from : National Medical Administrators , Inc. ph # XXXX to call because of a debt to XXXX XXXX XXXX XXXX XXXX. I called and it's a Collection Firm, to recover a debt XXXX. It was explained to me, that it was for the item I purchased, and I had gotten several comunications about this. That : I should have responded by a certain date, and I wouldn't have been charged with the above amount. I may have missed checking off a box or other fine print, but it seems to me, this scenario, is set up so people will Fail to respond so they can report you with a Scare tactic like this to damage your credit and force you to pay an exorbinate amount of $ $ for a product underhanhdedly. Their address : XXXX XXXX XXXX, XXXX, XXXX, Fax # XXXX nmacollections.com. I paid {$130.00} because of the " XXXX '' tactics, because I didn't want my credit affected. I never would have made a purchase like this, if I was aware of this practice. Gummies! Come ON! I was Not given any Options, I would have gladly paid the {$36.00}, because of the over-sight. This product and sight, is set up for People to Fail and then be pushed into this Deceptive outcome. I'm XXXX XXXX XXXX, and have Good credit, and have had Fraud against me. My credit card account was shut down, because I thought it was Another Fraud attempt. Also, XXXX XXXX XXXX Cobra, is working under the name : National Medical Administrators , Inc. , to me for a deceptive purpose. Thank you for listening, XXXX XXXX.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have a Best Buy Citi Bank credit account, This account belongs to me since XXXX tried to change my phone number and my password the system would not allow it .I called the company and got XXXX  customer service people who were no help!! Its been like this for 40 days .I need your help with problem. 
The Best Buy phone number is XXXX
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

Within my Mohela account, I was notified that XXXX XXXX payments had been fulfilled on XX/XX/XXXX. Within XXXX weeks, my balances were at {$0.00}. 

On XX/XX/XXXX, I received the official notice that my accounts had been paid off. 

On XX/XX/XXXX, after trying to call to speak to an agent XXXX times but getting the automated run-around, I emailed to request that they be removed from my credit report. Their automated message says they report to credit bureaus at the end of every month, but it appears ( according to what I've seen in my credit report ) that they only report active balances. I have XXXX paid off and XXXX open. 

On XX/XX/XXXX, I attempted to call again from the number on my credit report. I was circled repeatedly, and pressing " XXXX '' to speak to an agent appeared XXXX because nothing happened. I haven't been able to talk to an agent since XX/XX/XXXX.
Consumer complaint received 2024-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One switched my credit card application to a different credit card mid-application and cancelled the bonus offer of {$750.00} after checking/hard pulling my credit scores. 

I applied for a capital one spark business credit card ( the green card ) on XX/XX/2024. I was shown during the online application processes and promised XXXX receive a {$750.00} bonus after spending {$6000.00} in the first 3 month. On XX/XX/2024, I finished spending {$6000.00} and now ( XX/XX/XXXX and XXXX XXXX ) they said my credit card wasnt qualified for the bonus. 

Now that I came XXXX realized : ( a ) Capital One denied me for the card with {$750.00} bonus but was offering me the same card ( same deisgn, same outlook ) without the bonus and different terms. ( b ) Wihtout reading the terms carefully ( given that I assumed I was approved with the card with the bonus as the card look EXACTLY the same! ), I accepted the new offer of the credit card without {$750.00} bonus. This entirely was not what I intended or wanted to apply for.

I'm extremely disappointed by Capital One 's use of deceptive tactics ( bait and switch ) to entice individuals to apply for their credit cards, and do not withhold promised bonuses after meeting spending requirements. Many, particularly those who are disadvantagedsuch as tho
se with lower literacy or education levels, as well as older individualsmay have unknowingly fallen victim to this unethical practice.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WV)

I was remodeling a property I bought in XXXXXXXX XXXX XXXX. I was using my Lowes card to make purchases and remodeling efforts. When I went to use my card in the store I was declined. I had to contact synchrony and go through a lengthy, identification verification, subsequently I was told that the card had to be replaced And was issued another card which delayed the remodeling efforts by another week in that time I had placed an order online as I was instructed to do by the synchrony bank and customer service representatives to be told today the installation day that the payment was not processed so Ive had to cancel four orders and spend hours on the phone with the customer service people Today I tried to place three orders while the synchrony bank people were on the phone and told him that I had no other choice other than to file a complaint on discrimination. This was a Lowes card issued by synchrony bank being used on the Lowes app that will not be honored by the lender, could you please open an investigation as to why synchrony bank is not processing the payment