davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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: U.S. BANCORP (CA)

Hello, I got approved Skypass Visa Signature Card in US bank on XX/XX/XXXX with the signup bonus benefit ( Earn XXXX Bonus Miles when you spend {$4000.00} in eligible purchases within the first 90 days. ). I used the credit card mainly to get the bonus and after I spent the required amount I've waited for the bonus. But, it was not added to my account. I called with the bank on XX/XX/XXXX, but they said the term has changed in XXXX and I'm not eligible as I got the same bonus in the last XXXX years. The agent said he would request to the upper team but I got a mail with the same reply on XX/XX/XXXX. 

I'm very frustrated and disappointed because when I applied the card in XXXX, there was no term about XXXX  year rule. I always read the term in details, and if I read the term, I never made the card. And I always captured the application term and I attached it. There is definitely no mention of non-eligible case.Therefore, it's NON-SENSE that changed term about the signup bonus is applied to the earlier customer. It's kind of cheating and lying to the customers. Please help me with this issue. 

Thank you.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

my name is XXXX XXXX and my venmo account has been suspended for absolutely no reason at all. I had My school check deposited into the account and then tried transferring it to my linked bank account and immediately after they suspended my account. I read the user agreement and the Amount I transferred didn't exceed the limit so there are no grounds for them to stand on. I've contacted every customer Support platform they offer, multiple times a day. They tell me That I need to respond to the email I got at the time my account was suspended but I did not get an email saying anything about my account being suspended for me to even respond to and nobody will transfer me to the so called account XXXX that is the only person who can give me the answers I need and want. They tell me I have to wait on an account XXXX to do it but then tells me that department doesn't have a phone. I have {$2100.00} locked in my account and that's all the money I have. Please help me address this situation, thank you! 

The phone number linked to my account is XXXX
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

We ask you to track down the payment made from XXXX XXXX XXXX on XX/XX/2022 XXXX in the amount of XXXX US dollars to the following details : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. code XXXX, XXXX XXXX Beneficiary ' s name and address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Payment for contract XXXX of XXXX. Make a request to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX to search for a payment. Please request the recipient 's bank to refund the payment. Due to the U.S. blocking sanctions imposed on XXXX on XX/XX/XXXX and the termination of settlements with XXXX in the United States, payment XXXX XXXX XXXX in the amount of XXXX was stopped by the bank, you may have received requests from JP Morgan Chase XXXX XXXX or from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please inform us about the work done to transfer funds for the supply of components. We attach a payment order and a swift payment to this letter.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-23
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: EQUIFAX, INC. (NC)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank. On XXXX numbers of purchases and withdrawal was made to my account. Purchase.XXXX at XXXX XXXX XXXX XXXX XXXX Withdrawal XXXX ATM XXXX ATM Withdrawal ATM and XXXX ATM all at the same Wells Fargo on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MT)

I lost my job due to health/medical reasons and have been attempting to sell personal effects, as I do not have assets in my name. 

I contacted Venmo about my credit card and requested information about hardship/forbearance, and the agent simply harassed me for money. They started asking about my medical benefits and any monies that I could pay with, even though I stated I was unable to make a payment. 

Venmo 's practices are predatory, in addition to their allowing transfers of money for items that would potentially fly under the radar of most regulatory agencies.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. First National Bank of Omaha has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX  and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL LLC XXXX XXXX XXXX. 
XXXX XXXX. MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX Dear Jefferson Capital, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 



Best, XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2019 I received a letter from Transunion credit bureau File Number XXXX stating that I need to submit extra documentation to obtain a credit report. I have already submitted an application to XXXX XXXX XXXX with copies of all required documents. If I needed to send more documents then the XXXX XXXX XXXX XXXX would have stated it. If you would please look into this. Thank you.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

For two days Ive tried to unfreeze my account. First day on hold for XXXX minutes and having to press # XXXX on the phone every XXXX seconds. This action stopped you from doing any other kind of work while you're waiting on hold. 
No answer so I opted to press # XXXX for a call back, no call back for over XXXX hours. 

Second attempt today, same thing, have been on hold for XXXX minutes pressing # XXXX on the phone to remain on hold. No answer. I see this punishment of pressing # XXXX will work for many who are at work trying to unfreeze their credit reports.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

Some time in XXXX or XXXX  XXXX of this year, 2024, we received an offer in the mail -- open a savings and checking account with Chase and earn {$900.00}. I used the coupon code XXXX XXXX XXXX XXXX. I still have both the coupon code and the original mailer. There were of course specifications to follow in order to obtain this money. These included one direct deposit, maintaining a minimum balance for 3 months etc. On XX/XX/XXXX, I opened a checking and savings account transferring {$2000.00} into the checking account and {$15000.00} into the savings account. I also changed my direct deposit information and on XX/XX/XXXX and XXXX, a direct deposit was made into the checking account ( {$2500.00} and {$340.00} respectively ). I have yet to receive the promised {$300.00} in the checking account when I should have received it within days. ( Future deposits include {$400.00} into the savings if I maintained the {$15000.00} and an additional {$200.00} after 90Days if I met specifications because I opened both the checking and savings account at the same time ). Anyway, I phoned Chase yesterday and, after being on the phone about 15 minutes, I was told I had to wait another 20 minutes for a supervisor or drive over 2 hours to a nearby Chase branch in order to understand why the terms of my agreement had not been fulfilled. I received no help from the supervisor and then sent a complaint to the XXXX. i did hear from a Chase self identified " executive '' who, after several more weeks, decided against my claim via a phone message. I called this person and requested a return phone call and have, to date, heard nothing. At present I have almost {$20000.00} in these new Chase accounts ( drawn from a savings account earning 4.6 % interest ) and have earned under XXXX dollar in interest. I would like for Chase to rectify this situation or tell why the company can not so that I can move my money from these new accounts. I do believe Chase should honor their offer as I completed all necessary requirements. I also complained to the federal reserve in XXXX and received an email to make my complaint to your office. I do appreciate your time and attention!
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. 
Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. 
Payments made to XXXX. XXXX XXXX. 
XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. 
She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. 
Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. 
My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. 
Please if you need further assistance from me, I will be very glad to provide. 
PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aldridge Pite, LLP (CA)

The property at XXXX XXXX XXXX XXXX, XXXX, ca was allegedly sold to a company called XXXX XXXX XXXX through the lender 's trustee Clear Recon Corp.

Documents submitted are fraudulent on their face. do not have correct loan numbers or signatures to transfer a property worth XXXX Million for a XXXX debt, which is all faked and propped up to look like I failed to make payments. 

Checks were returned by XXXX to appear as if payments were not made. 

XXXX - criminal activity.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried over eight times to resolve this matter with all three credit reporting agencies none of which I have been successful with. For all the accounts list below, I have asked for validation of debt along with the original agreement and original ID and his original signature to validate that that was mine because these accounts are not mine, nothing has been provided for me at all, this is my request. This is wrong and this is fraud. This has impacted my daily living, along with my work and being able to be mobile Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity.

Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

( XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

In XXXX I requested debt validation from FCO regarding alleged debt XXXX XXXX XXXXXXXX. The company responded that they would send documentation, but nothing has been received. I do not believe I owe this debt. I also question their inability to prove otherwise based on their recent CFPB settlement in part for " failing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate. In addition, the Bureau alleged that FCO and XXXX violated the Fair Debt Collection Practices Act when FCO represented that consumers owed certain debts when, in fact, FCO did not have a reasonable basis to assert that the consumers owed those debts. ''