davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
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. (TX)

HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a letter from XXXX XXXX XXXX  stating that my credit card account debt in the amount of {$1200.00} was sold to Midland Credit Management. I called the bank to let them know that I didn't recognize the charges and would report identity theft. 
The transactions took place in XXXX of 2023 in a XXXX XXXX in XXXX XXXX, Florida. 
This debt is a result of identity theft and fraud, and I need to solve this issue as soon as possible. 

Please advise what the next step would be to avoid credit issues for a debt that is not my responsibility. 

I appreciate your prompt attention to this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

This particular complaint is specific to XXXX. However, I have disputed with XXXX, Equifax, and XXXX, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seq. 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 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Wire transfer of {$7000.00} to Coinbase was sent on XX/XX/XXXX. I have checked with their bank in NY and the money was in their account as of XX/XX/XXXX. The website currently states that wire transactions are up to date and may have a 2 - 3 day processing time. There are still no funds posted to my account. There is no way to talk to anyone about wire transfers. I have sent an inquiry and an escalation request, the first onXX/XX/XXXXXX/XX/XXXX and the last one on XX/XX/XXXX through their support portal. Still no response.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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 XXXX Account Number : XXXX and 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 2018-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

The calls began about 2 months ago from a variety of phone numbers, I would answer and inform them that the debt is no longer mine as my ex husband took it in our divorce agreement. They would argue with me and tell me that is n't how it works before I would hang up on them. 

The calls came 5-6 times a day and recently I 've asked them 5 times, through mail and phone calls to remove me from their call list and not to call me. Every time I ask they try to get argumentative with me and I hang up. 

I 've told them if they continue to call me I would be filing against them because this is getting awful. They purposefully call me on my phone I use for work, while I 'm at work.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: CITIBANK, N.A. (NY)

I Have been with Citibank for many years now and I have called every single time I have gotten an overdraft fee and told them I do not want it and it still happens to steal money from me everytime. If there is not enough money on my account and something tries to take some out it should just be declined I should not be charged {$60.00} extra for something I never asked for and have countless problems about. I woke up with an overdrawn account yesterday was down by XXXX I had to transfer money from my savings and lost {$50.00} to these fees i never asked for just decline my card do not pay for me and charge me extra money that I obviously do not have. And I have called Citibank about it so many times and they continue with the overdrafting fees. I cant handle this anymore please help.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. ASC, is reporting my account opened and Wells Fargo is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
Consumer complaint received 2018-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted TransUnion on XX/XX/18 to speak with the representative to let them know that I was a Victim of their " inquiry issue. '' Their customer service representative would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX   XX/XX/2018
Consumer complaint received 2018-01-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (NJ)

I started a lease for a XXXX XXXX on XX/XX/XXXX in a dealership called XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. That same day I started the lease with XXXX, I left my XXXX XXXX at the dealership. XXXX XXXX was my salesman, he called XXXX XXXX XXXX to find out the amount I owed for the remainder of the Lease for the XXXX XXXX. The amount was {$3200.00} which shows on the contract. A check was to be sent to us for that amount so we would pay XXXX XXXX XXXX since that amount was being included in the new lease loan with XXXX. We received the check on XX/XX/XXXX, I sent the payment to XXXX XXXX XXXX on XX/XX/XXXX through ACH. When it was time to pick up the plates for the XXXX we got a call from XXXX and he was no longer working at XXXX XXXX XXXX because the location was closed down, he was at XXXX XXXX XXXX, XXXX NJ where I picked up my plates. A few months down the line we received a call from XXXX asking us where was the XXXX XXXX because they did n't have the car. We left the car at XXXX XXXX XXXX and because it was closed down nobody from XXXX knew where all the cars from that dealership where located. Even though I did n't have the car and I did n't know why I was being asked about the car I was nice enough to give all the info of people I dealt with for the new lease, I sent over by fax my contract and paperwork stating that I paid the remaining of the lease. The car was left there. XXXX said they would investigate. A few other months down the line we go a call again and once again I explained everything and sent all the paper work via email. We even had a guy looking around my house to try and find the car, he spoke to my wife and left a notice when I called the guy he said he was looking for the XXXX XXXX. I was very upset, because I never had to go through this, people coming to my house thinking I stole a vehicle when we did a swap ending one lease to start another. This is not the first time I do this and I never had a problem. All I know after 2 years I get a letter from a debtor trying to collect {$12000.00} for a car I do not have. For a car that is sitting somewhere God knows where. A car that by now if XXXX had reported to the police as stolen, the cops would of found it sitting at a lot somewhere. Because most likely the car is in a lot where they keep cars from dealerships. That is the only reasonable explanation for the car not be found yet.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency provide the method of verification for items disputed in my recent complaint. I will list those items below.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report.

Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 

These are the items claimed to be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but Equifax and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and Transunion is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to Experian Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to Experian and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.