davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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: CITIBANK, N.A. (IL)

From XXXX I had a hotel stay booked in XXXX at XXXX XXXX XXXX XXXX XXXX through Citi XXXX XXXX XXXX On day of check in I was told at the XXXX that my reservation had been canceled and I would have to call who I booked through. I called citi consumer service and finally got transferred to who supposedly could rectify the issue. Citi told me every is good you should be able to check in. That was not the case. I get Citi to call the hotel and talk to them. Still nothing is solved. I am then told that I would have to rebook and get a refund for the original reservation. So I use another card and book my stay for a higher price. I check the next week the charge for {$560.00} is still on there. I contact customer service and they said it will take a week or two but I would get refunded. It has now been 54 days. This is with countless emails and phone calls. Emails said for over a month that they are not able to get ahold of the hotel. They told me I could try and get ahold of the hotel. I called and got ahold of them no problem. I have sent dozens of emails to citi and spent hours on the phone trying to get this resolved with no luck. I have since closed my checking and savings accounts with citi because their is no chance I want to deal with their horrible customer service ever again. Even closing those accounts was a nightmare requiring numerous phone calls and being transferred to different departments. Any time I tried to transfer money I would have to call and get my account unlocked. I could never in good faith recommend Citi as a financial institution to even my worst of enemies.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went to open a bank account with USAA Bank, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-10-10
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: AMERICAN EXPRESS COMPANY (GA)

I have two prepaid Amex gift cards, each pre-loaded with a value of {$100.00} ( so {$200.00} total ) and each supposedly expiring in XXXX. I received these gift cards as a birthday present from my aunt only a few days ago ( as of XXXX ). I tried to use the cards and both of them were declined. I then attempted to check their balances using the website provided on the card ( XXXX ), where I experienced a nondescript error message. I then called the included customer service number ( XXXX ) and was told by the customer service representative that the gift cards had not been " used '' after being activated by the merchant, and thus, the funds had been sent to the state 's unclaimed funds service. I do not understand why this would have happened, as both prepaid cards clearly state that the expiration date is in XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-10-08
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: Possible Financial Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear POSSIBLEFINA, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. 

It has unequivocally come to my attention that POSSIBLEFINA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter XXXX ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Cease and Desist, Removal of Negative Item from Credit Report Dear LVNV Funding LLC, I am writing to demand that you immediately cease and desist all communication with me and remove the negative item related to your company from my credit report.

You have failed to obtain my permission to contact me through any medium, including my credit report, violating 15 USC 1692c. Furthermore, your actions constitute false or misleading representations, violating 15 USC 1692e.

Specifically, LVNV Funding LLC has : 1. Reported inaccurate information to the credit reporting agencies, falsely implying I owe a debt.

2. Failed to provide verification of the alleged debt.

3. Made false representations regarding the amount or status of the debt.

These actions violate 15 USC 1692e, which prohibits debt collectors from making false or misleading representations, including. any false representation or implication that any individual is obligated to pay any debt or any amount thereof. '' Additionally, your actions fall under 15 USC 1692a ( 2 ) 's definition of communication, which includes reporting information to credit reporting agencies.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WA)

LVNV funding llc has been on my credit report for years now. Ive disputed many times theyve charged multiple different amounts everytime it comes on and off my account. Ive paid the company they told me to pay when I called and charged me XXXX XXXX  to never take anything off my report.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (NJ)

We deposited a check in large amount to Chase Bank of a XXXX company, XXXX, XXXX  on XXXX XXXX. The check was cleared by XXXXXXXX XXXXk and bank confirmed that the check was paid at XXXX on XXXX XXXX. Chase was holding the payment intentionally till XXXX XXXX which is unethical, unprofessional, and unwarranted. I made frequent request but they said it is their policy. We are living in XXXX XXXX. The bank could confirm with another bank in a fraction of minutes whether the check is a Bona fide or not. 

This is really hurting small businesses. We have payments to be made to our vendors. Domestically/Intentionally. Holding payment w/o any reason should not be legal and is not appreciated. 

We had the same exp. with XXXX XXXX earlier of this year. 
I strongly believe the banks have found another way of making money consumers fund by delaying availability of funds. As we all know XXXX XXXX was caught earlier and fined by XXXX Govt. I believe this is their new propaganda. 

Hope you will investigate this and do needful for the benefits of consumers.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/year>, a charge of {$1100.00} appeared on my account that I did not authorize. After discovering this charge, I questioned my son, who informed me that he had signed up for a 30-day free trial with XXXX using my XXXX account XXXX Despite the trial being advertised as free, I was unexpectedly charged the full amount of {$1100.00}. 

I immediately reached out to XXXX and received a response from an automated system, stating that they would review my claim and follow up. However, no further communication has been received from XXXX as of this submission. 

Upon further investigation and realizing the unauthorized use of my XXXX account, I opened a dispute with XXXX, hoping to resolve the issue. Following advice from a friend, I decided to contact my bank, Chase, to request a formal dispute of the charge. On XX/XX/year>, I contacted Chase, and they informed me that I would need to fill out dispute forms through a claims tool available within their app. However, after thoroughly checking the app, I was unable to locate the claims tool they referred to. 

Given the circumstances and the unsuccessful attempts to resolve this matter directly with XXXX, XXXX, and Chase, I am filing this complaint through the Consumer Financial Protection Bureau in the hopes of achieving a timely resolution and receiving a refund for the unauthorized {$1100.00} charge. 

Actions taken : XX/XX/year> : Unauthorized charge appeared on my account for {$1100.00}. 
XX/XX/year> : Contacted XXXX and received an automated response. 
XX/XX/year> : Opened a dispute with XXXX. 
XX/XX/year> : Contacted Chase Bank and was instructed to fill out forms that were not available within the app.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Between XXXX XXXX I reached out due to account being frozen. They would not give me any reason why. I provided by id and bank statements and still they did not give me any reason or fair treatment. I looked online and seen similar cases. I explained I have years of history, a verified account, and 500+ payment goal. They didnt care and provided no details. Hurting my business. They emailed me saying account is frozen they wont give me a reason and literally would not reply to my emails anymore once that decision is made. Horrible.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 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 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 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 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 2024-09-04
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. (IL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modlin Slinsky, P.A. (FL)

On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. 

On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. 

Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. 

I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.
Consumer complaint received 2024-10-10
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: AMERICAN EXPRESS COMPANY (GA)

I have two prepaid Amex gift cards, each pre-loaded with a value of {$100.00} ( so {$200.00} total ) and each supposedly expiring in XXXX. I received these gift cards as a birthday present from my aunt only a few days ago ( as of XXXX  ). I tried to use the cards and both of them were declined. I then attempted to check their balances using the website provided on the card ( XXXX ), where I experienced a nondescript error message. I then called the included customer service number ( XXXX ) and was told by the customer service representative that the gift cards had not been " used '' after being activated by the merchant, and thus, the funds had been sent to the state 's unclaimed funds service. I do not understand why this would have happened, as both prepaid cards clearly state that the expiration date is in XXXX.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (AZ)

I requested a transfer of my XXXX from Optum XXXX to XXXX XXXX on XX/XX/2021. As of XX/XX/2021 the account still has not been transferred and when both XXXX XXXX and myself call we are told it is still awaiting approval. 

In the meantime, Optum XXXX has been charging a monthly fee, which I would not pay at the new provider. Thus, there have been two monthly fees attached along with my XXXX not being transferred.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

On XX/XX/year>, I was contacted by Sequoia Financial Services regarding a {$110.00} debt that they claim I owe. I do not owe this debt. 

In the previous complaint # XXXX, Sequoia Financial Services acknowledged this mistake. On XX/XX/year>, they agreed to terminate all communication with me. However, clearly they have violated the agreement by continuing to send me mail communication.