davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

Hi- I purchased a Visa Signature gift card from the local XXXX. Shortly after activating the card it started getting declined at all merchants even though there is a sufficient balance on the account ( validated on vanillagift.com ). Ive placed multiple calls to the number on the card to attempt to resolve the issue. About XXXX months ago I requested a replacement card, however a replacement card never arrived. Calling in is burdensome. I still have the gift card with a balance of {$70.00} on it that Im unable to access. 

Additionally, the terms and conditions do not clearly indicate how to submit an error per Reg E. Please consider this a Reg E notice of error. There seems to be a technical issue with my card preventing me from accessing my funds. 

Thanks, XXXX XXXX
Consumer complaint received 2024-09-06
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. (TX)

Hello, On XX/XX/XXXX I purchased two racing experiences from XXXX XXXX XXXX  each costing {$320.00} One for my husband XXXX and my son XXXX. We had a scheduled race on XX/XX/XXXX. XXXX had a rain event and the race was cancelled. A new race was then scheduled for XX/XX/XXXX by the company. Just shortly before that race we were informed it was cancelled due to the tracks race schedule. They sent an email that said our booking was secure through XXXX. Yesterday we checked the schedule for fall. They only come to XXXX twice a year. Our search revealed they shut down operations in XXXX and did not inform us in anyway. My husband found the information on XXXX. All communications are now unavailable. We immediately call our credit card company. ( Chase ). We asked to file a dispute. They said no because of the dates and made it clear that we have no recourse. Quote : I dont want to give you false hope so its best if you know there is no way you will get this money back. 
I have screenshots of all communication and documents that I will upload to you. Thank you in advance for your help in this manner. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I opened both a checking and savings account with JPMorgan-Chase ( Chase ) more than XXXX ( XXXX ) years ago, when between the years of XXXX and XXXX, for some reason, Chase determined that my interest-bearing savings account should be converted into a non-interest-bearing checking account. As I was never made aware of this change and am only now finding out about this transfer, I would like to know why this was done. During that time I would move funds from my savings account into my checking account to pay debts. It was not until recently that I realized I did not have the correct funds in my accounts per my records. It was then I realized Chase had removed funds from an interest-bearing ( savings ) account and put the funds into a non-interest-bearing account ( checking ). 
For full accountability and full disclosure, I would like a full accounting on why this occurred and who gave the bank the right and/or permission to move money from and into my accounts without making me aware of the changes. I would also like to know what happened to all the interest I would have earned had my funds remained in the interest-bearing account. 
I would like clarification from Chase on why this move was made, where the interest funds these accounts would have earned and, additionally, what must be done to achieve reconciliation for this very egregious act. 
I would like to point out that I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), for further instructions and explanation ( s ) on why this occurred and how can I be recompensed for this act, which borders on the illegal. 
As a stockholder in shares of JPMorgan Chase, as I have been for the past XXXX ( XXXX ) years, how can I remain confident that the bank will have my best fiduciary interest at stake? I sincerely feel a criminal act has happened to me because of these acts and want this situation rectified by Chase.
Consumer complaint received 2023-07-10
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. (TN)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (LA)

Ive been waiting over 8 weeks for my XXXX points to be applied to my account. I got a new credit card from British Airways thru Chase Bank in XX/XX/year>. I completed all the requirements, spending threshold and I paid full amount of statement. I was told by BA that the points would be applied to account after XXXX statement was generated and payment made. That was all done in XXXX. Still no XXXX points! Sent several emails and made numerous calls to BA Executive Club. No response to any of the emails other than BAs acknowledgement of receipt of my email. Everyone I spoke with told me something different at BA customer service.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (FL)

Someone who call himself XXXX asked me to use his XXXX and XXXX account to pay back my credit cards in exchange of favors. I am being cautious and trying to not getting scammer by other people. So I called the Discover credit card and asked for how long I need to wait until the payments I made using XXXX 's checking accounts won't be reversed. The representative told me to wait 7 business days. I waited for 7 business days the payment has no problem. So I trusted this person. So this person who call himself XXXX, asked me to help him buy Gift Cards, totally amount $ XXXX, but after a month, all the payments he made to my credit cards has been reversed. 

So my demand to Discover credit card company is that I am not liable to the $ XXXX credit card total purchases I made for XXXX XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (TN)

THIS IS A CONTINUATION OF COMPLAINT NUMBER XXXX AS I was unable to upload information that was requested after I file my claim. I contacted XXXX again and talked to a XXXX and confirmed my account ; accoutnt number XXXX was sold to perfection collection with a phone number of XXXX she had no email or address information on file for this comapny
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (TX)

I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Solar Mosaic LLC (UT)

In XX/XX/year>, we were contacted by XXXX DC for the service of placing solar panels on our house located in XXXX, UT XXXX. 
And in the month of XX/XX/year> Mosaic Bank made us a loan in the amount of {$75000.00}, which included the placement of the solar panels as well as the services of the construction of the separate entrance to the basement as well as the placement of a cement in the backyard of the house. 
This company after having many problems with the installation and operation of the solar panels as well as the construction of the entrance to the basement and the bad construction of the cement that they put in the back of the garden of my house, disappeared and did not give us any more face to the multiple complaints that we made regarding their inefficient work. 
We are now finding out that they never finalized the permits for the solar panels nor the permits that the company they subcontracted for the construction permits. And now we are facing a series of inconveniences due to the poor work we received. And that is why we are making this report against the company MOSAIC because we consider that the management that this company XXXX DC did with MOSAIC to give them the money from our loan should be reviewed.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I disputed a charge for XXXX XXXX XXXX XXXX XXXX which XXXX XXXX XXXX charged after I cancelled service and for a month in which I did not have service. Citi summarily denied my dispute request without contacting me for additional information and without providing me XXXX XXXX XXXX response, despite the letter posted to my account stating otherwise. Citi also did not notify me of this denial any way other than merely posting a notice in my online account.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Dear XXXX XXXX, I am writing to address a concerning issue regarding my credit profile. Your company has continuously reported multiple accounts to XXXX credit services, which are reflecting delinquencies. However, these delinquencies were due to identity theft, and despite being made aware of this, the accounts have not been adjusted accordingly. As a result, they have been closed without any adjustment. I kindly request that you take immediate action in removing these accounts from the credit profile of XXXX XXXX XXXX to avoid any potential legal consequences. Your prompt attention to this matter is greatly appreciated. Thank you.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Today XX/XX/XXXX, the representative said any payments above the minimum due were locked in to go to the deferred interest payments due XX/XX/XXXX and XX/XX/XXXXXXXX  since they have the highest interest. I said I read the credit card agreement and it said any payments in excess of minimum due will go to the highest interest rate unless deferred interest payment is due. Right now the balance for XX/XX/XXXX deferred interest has been paid off but XX/XX/XXXX has about {$900.00} balance. I asked to make sure my regular charges be paid off first since I have till XX/XX/XXXX to pay the XXXX. They said no since my payments are locked and they cant change it unless I pay off the deferred interest XXXX  first. Representative said even the specialist can not change it so I said this is a violation of your credit card terms agreement and the credit card act. She said no because your deferred interest has the highest interest rate and it is best for me to get that paid off. I said that is not due until the XXXXXX/XX/XXXX but my regular charges has to be paid first to avoid interest. She said she can not change the payment allocations and no one asks. Based on this, please investigate Best Buy credit card services since they are violating their own credit card agreements and the credit card act. Their phone number is XXXX. I told them that I have been their credit card holder for a long time and they usually apply my payments to regular charges. She said since I have promotions expiring within 60 days, my payments are locked in. The magnitude of this actual Best Buy credit card services action cost many consumers XXXX  of dollars and she said no one complains.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (AL)

Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

Hello, I was put on collection to the hospital I have never visited, and never had any services done. I had a visit to the hospital and all services from that day were paid in full- I have attached proof as well as a XXXX balance. Years later I received collection on my credit report for an unpaid bill from the same day. XXXX XXXX supposed date of service. 

I contacted GLA collections and was told it was for an emergency room visit from a hospital /service I had never used. I asked them to produce a single invoice or a description of services- they could not produce one. I asked for the contact information for the said location- they provide a number that does not work/ exist. I googled the same said company and found they have only 24 reviews total that are 1 star with all stating they were scammed the same way and there is not company nor contact information nor any billing or service evidence. The burden of proof is on the collection company GLA as well as said company XXXX XXXX XXXX proof that they can not produce. 

Please help me in getting this remove off all of my credit reports.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (VA)

This matter originated from the electric and gas utilities company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was evicted from the XXXX XXXX XXXX  apartment, on XX/XX/XXXX. ( I provided a XXXX XXXX XXXX XXXX docket number from the XXXX and Tenant Court with the Index # from the Marshals Notice of Possession ). 

XXXX XXXX XXXX XXXX NXXXX XXXX XXXXXXXX, was made aware of the XX/XX/XXXX eviction in XXXX and XXXX of XXXX, via recorded telephone calls. The account was paid in full for any charges made prior to XX/XX/XXXX. Any charges arising from the usage of the utilities after XX/XX/XXXX, should be charged to the property owner or current tenant. 

The account was sold to a third-party collection agency named XXXX XXXX HUDSON VALLEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate office ; XXXX North XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, a certified XXXX letter was sent to XXXX XXXXXXXX HUDSON VALLEY  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, disputing the debt claim. The alleged debt was scheduled to default on XX/XX/XXXX, for failure to respond by or before XX/XX/XXXX. 

XXXXXXXX XXXX HUDSON VALLEY XXXX XXXXXXXX, refused to accept the delivered letter on XX/XX/XXXX, and accepted it on XX/XX/XXXX, signed and accepted by someone named XXXX, according to system records from XXXX. 

XXXX XXXX HUDSON VALLEY XXXX XXXX, disregarded the dispute letter and ultimately defaulted the account XX/XX/XXXX. XXXX XXXX HUDSON VALLEY XXXX XXXX, now threatens to take additional collection efforts which can result in a damaged credit profile if payment is not made by XX/XX/XXXX. 

XXXX trying to avoid filing a civil suit against XXXX XXXX HUDSON VALLEY XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I simply want the account closed and resolved as a debt not incurred by me. 

The un-ethical tactics of XXXX XXXX HUDSON VALLEY XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to gain leverage over consumers who dispute creditor claims by avoiding or acknowledging consumer communication via phone and mailed correspondence, should not go un-noticed.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/year> : While attempting to pay a vendor through my bank JP Morgan Chase using XXXX, my banking activity was giving me a pending status, the money was not withdraw from my account, I called Chase twice asking about this pending status and the two times I called Chase the banks representatives on both occasions state that Chase for security reasons canceled the transaction. I went ahead and pay the vendor from another bank account, to my surprise on Monday XX/XX/year> this money was withdraw from my account and I ended up paying twice for this invoice which in top the vendor never refunded me the money he received from Chase. 
After XXXX months going to Chase branches, calling the customer service number and asking them to reverse and listen to the call audios as all their calls are recorded and this transaction cancelation confirmation its recorded they never assisted me regarding this matter that clearly was a mistake on their end when they stated they as Chase canceled this transaction. Any assistance this agency can provide regarding this matter will be highly appreciated
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

I leased a 2024 Genesis in XXXX XXXX of 2024. 

I signed the first initial contract at that time. 

I was shortly told thereafter, that the contract i signed was incorrect- and i needed to resign a second contract. At the dealers direction, a second contract was then signed. 

I shortly receive a call from the dealership ( Hyundai XXXX XXXX of Genesis ) after signing the second contract that there was yet again another error and a third contract needed to be signed. Frustrated on the lack of organization, a 3rd contract was signed. 


3 months later, on XX/XX/XXXX, i received an unauthorized credit pull from Hyundai capital motors/ financing, referencing a credit check was performed, i had no awareness of this taking place. 

After further investigation, i had found out that Genesis financial had 2 open accounts showing for 1 vehicle, 1 of which is currently running derogatory, showing large outstanding balance.

When i went to contact Genesis, i was initially told this was an error on the dealership and i needed to have them reach out to to close one of the accounts, when i spoke with the dealership, they indicated this was an error on the finance agency. AT this point, it has become a blame game, and myself the consumer is the one looking for answers. 


i am writing this for my protection, in the interim as this looks to get resolved. 
I have been told i would be contacted by a representative from Genesis directly which has not happened.

This compliant is both to Hyundai of
XXXX AND Genesis financial
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On yesterday XXXX, I called Capital One to address a violation of their reporting practices. Capital One is refusing to assist me unless I provide them documentation. Capital One is not reporting my payment history properly and timely to XXXX. Capital One has not reported my account since XX/XX/year>, I feel that this is a direct violation and this has caused my some problems. This need to be corrected immediately.