davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

So I ended up getting terminated for my job and I took out some fun from my 401K, We had went to multiple banks and being that this bank was about to close and I'll last resort we went there and they told us that we could deposit the money into third party account because I couldn't deposit into my account because I had a pass due balance. I want to say 3 days after we de positive to a third party account which was at the time my Partners account like I said they told me that I couldn't put in my account because I had to pay the balance first and I was broke I didn't have any money and they told us that we could, aspect the cash into her account about XXXX XXXX XXXXt. About 3 days after they retricted her own funds into her account prior to the funds i deposited from the 401k check, and then without telling her they closed her account which wasnt fair at all. They told us my number was working and able to get verified but at the time my phone was off and needed to be paid. So we paid it maybe a day later and then they told us that my number was in the system anymore and wasnt able to get verified, we called everyday and spent hours at the branch in hopes it was get fixed. We showed proof of the check, they verified the funds with the bank who issued it, we both sent ID 's, Proof we live together, and we both signed the check, We both also have numerous phone calls where my voice and hers can be heard stating all of this over and over again. and this whole mess is causing me to lose my home, my car, and alot of mental stress. I hope you guys can call and have this issue resolved shortly soon, because i dont know what to do anymore, other than be homeless and wait 2 years for the funds to go back to the bank that issued it and then for me to then have it shipped out later again.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear : Lnvn This will serve as your legal notice of fair debt collection pratices act .15 u.s.c .ss 1692 To cease and desist all futher communication with me in regard to the above reference debt or debts I have decided that i do not want to work with your agency or any other agency under any circumstances.i will contact the original creditor directly in order to resolve this matter.by sending this letter it is my intention to stop allyour calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any vilotions of this law. 

Please give this very important matter the utmost attention XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

VALIDATION AND CEASE AND DESIST Dear Sr : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

I am a victim of multiple counts of identity theft by an individual I filed police reports and an IC3 report against. In XX/XX/XXXX, a business credit card was opened fraudulently in my name. The perpetrator racked up {$24000.00} of charges in my name and in XX/XX/XXXX, I discovered the account and reported it as identity fraud to Chase. 

In XX/XX/XXXX, Chase denied my claim and I filed another one. I provided additional documentation, such as two police report numbers that I filed against the individual for an ongoing investigation of identity theft. I also submitted an FTC Identity Theft Report and IC3 FBI report, and proof of address to show that the business card was mailed to an address that was not mine. Chase denied my claim again and stated that I was responsible for the debt. 

Evidence that the card was not opened in my name includes charges on the statements that show the perpetrator 's name. Also, all the purchases were made in a state that I did not reside in. Furthermore, the address on the statement is that of the perpetrator ( and not my address ), further showing that the perpetrator had the business card mailed to his address. 

I would like Chase to resolve this by accepting my identity theft claim, removing the charges, and removing the report from all of the credit reporting agencies. This has negatively impacted my credit score by XXXX points and Chase has yet to do anything about the claim/provide further information about the investigation despite two months of me consistently calling and following up. It has been an incredibly frustrating process and I do not believe Chase is incentivized to look into my report as identity fraud despite all of the evidence I have provided.
Consumer complaint received 2024-10-03
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: CL Holdings LLC (NV)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc. (TX)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (OK)

When I applied for the XXXX XXXX XXXX XXXX and was approved XXXX XXXX, XXXX, I was under the impression I was receiving rewards points. I am XXXX and rely on Customer Service representatives to relay to me accurate information. 
I have called in to inquire about the percentage based on XXXX XXXX and non-XXXX purchases that I would receive in rewards points. I have called to inquire about my rewards points balance. I have called to inquire when this program began if it did n't exist in XXXX like they now claim. I signed up for the program XXXX XXXX, XXXX, and XXXX, a supervisor out of XXXX XXXX, was quick to tell me that they would not give me any retroactive rewards points nor did she offer to compensate me in any way and that signing up for it required no more than saying " I would like to receive them. '' I filed a complaint with the New York XXXX for this being misleading. This went no where. I first received a phone call from the executive office at Chase stating that I would have had to APPLY for the rewards points program when I applied for the credit card. They later sent the enclosed letter which was also sent to the New York State XXXX and forwarded to me. 
On XXXX XXXX, XXXX, I called and spoke to a supervisor XXXX who informed me that if I had just called in to inquire about my account they would not have told me about a new promotion, i.e. the rewards points. She stated that if I had called in asking questions about the rewards points, then I should have been made aware and offered the chance to sign up for the program. When I called and specifically asked about them, as my records partially show, they should have informed me about it and I should have been given the opportunity to sign up. In addition she could n't find the date the program began. She gave me XXXX points which is equivalent to {$50.00}. 
Why could n't they see if more could have been done? Why was n't anything done sooner? Why do they not know when the program began? If it existed since I had the card, why ca n't I be reimbursed since then?
Consumer complaint received 2016-03-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) and XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) for a total of XXXX points. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$550.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX AMERICOLLECT Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by AMERICOLLECT Account # XXXX causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/year> I bought a class and membership to XXXX. I was laid off in XXXX and decided to change my career path to XXXX. XXXX and XXXX are XXXX XXXX  XXXX that are helpful to have in the XXXX XXXX. I signed up for XXXX and XXXX XXXX XXXX XXXX through XXXX and I purchased a XXXX  membership, all of which cost {$1500.00} ( i received a 20 % discount on the class ). I enrolled in this class to prepare me to apply for and pass the XXXX XXXX  XXXX. The class was to run XXXX XXXX. On my XXXX day of class, the teacher made it clear that the class was only for XXXX XXXX or people XXXX XXXX XXXX XXXX. I emailed the teacher, who said it sounded like I did not qualify for the XXXX test. I requested my money back and XXXX pointed to their refund policy which states they will only refund up to 10 days before the class begins. I was not aware that I did not qualify until the class started. 

I called XXXX XXXX XXXX XX/XX/year> and told them I would like to dispute part of the XX/XX/year> charge. I only want to dispute {$1000.00}. I subtracted {$250.00} for books and the membership fee of {$240.00}. I explained that I was unaware of the work prerequisite required to take the test. The course was to prepare me for the test and did not list any prerequisite work experience to enroll. 
Although very nice, the Dispute representative refused to dispute the charge, even partially. He referenced the XXXX XXXX policy and stated Visa would deny the dispute due to the policy. 
I was allowed to enroll and pay for a class that I do not have the experience for. I do not have the experience needed to apply for the XXXX test which the class was supposed to prepare me for. I was mislead to believe the XXXX Certification XXXX XXXX would prepare me for the XXXX exam, but the required work experience needed to qualify for the exam was not disclosed when signing up for the class. 
Southwest Visa/Chase refused to dispute the charge.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.