davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NY)

The information stated in the account I have sent a copy of my id and proof of addressto update the information XXXX Incorrect names : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX 15 USC 1681B ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires, except as provided in section 15 USC 1681G ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (PA)

On XX/XX/year> I received documents for arbitration from Velocity investments LLC dated for XX/XX/year>. They are claiming that I owe XXXX on a loan that they purchased that was charged off.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several unauthorized XXXX transactions were made from my checking account of XXXX. The transactions were sent under the name XXXX XXXX. I promptly submitted a fraud claim with Chase Bank to dispute these transactions. On XX/XX/XXXX, my claim was denied, even after I provided the requested documents. 

On XX/XX/XXXX, I was on vacation and did not conduct any financial activities. 
On XX/XX/XXXX, and XXXX, I was at work, as confirmed by my timecards. I could not have authorized the disputed XXXX transactions on these dates. 

When I spoke with a Chase representative, they assured me that providing my timecards would help recover my funds. I submitted the timecards as requested, yet my claim was still denied on XX/XX/XXXX, without any further follow-up or detailed explanation. Additionally, Chase provided conflicting information during the process, with one supervisor advising me to contact XXXX directlyonly for XXXX to inform me that Chase was the only party able to address the issue. 

Throughout this process, I encountered rude and unhelpful service from Chase representatives and supervisors. Despite my efforts to cooperate and provide documentation, Chase has refused to reopen the investigation, leaving me unable to recover the lost funds. 

I am submitting this complaint with the CFPB to request their intervention. I would like Chase to thoroughly review my case and reimburse me for the unauthorized transactions.
Consumer complaint received 2024-08-20
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: DISCOVER BANK (PA)

On XX/XX/2024, I was scheduled to fly out of XXXXXXXX XXXX to XXXXXXXX XXXX at XXXXXXXX XXXX  on XXXX XXXX. I got to the airport at XXXXXXXX XXXX the flight time was delayed and eventually cancelled after waiting for about 6 hours. I contacted the XXXXXXXX XXXX for refund of my fare {$180.00} and I was unsuccessful due to lack working contact for XXXX. I therefore disputed the charge with my credit card company Discover credit card. Discover said the charge was valid and they will not reverse the charge. I further said to Discover that the dispute was not about the validity of the charge but about service that was not render therefor I must get a refund.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XXXX  XXXX Cash App accepted {$200.00} from my XXXX XXXX account. On XX/XX/16 the Cash application sent negative notifications stating my account was {$170.00}. Including my XXXX  XXXX account negative {$190.00} ( both accounts ) So Cash app accepted my transfer and debit but did not add to my account for use. 

I attempted to contact cash app customer service they stated they could not speak on the matter and declined me and answer.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I phoned Barclays customer service and told the lady the problem that points had ceased being reported to XXXX XXXX. She looked at my XXXX, XXXX, and XXXX Barclays statements and could see there was spending but said " XXXX Earned = XXXX. '' They set up a case number XXXX and said I would receive a letter by mail. 

XXXX weeks later I received the letter which simply stated " We currently are unable to assist you you Rewards issue. '' I phone again and was told another letter would be going out but I never received it.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (FL)

AVA/XXXX XXXX XXXX XXXX This company is also reporting inaccurate information because the true name of this company is AVA FINANCE INC not XXXX AVA/XXXX  ) In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my 3rd attempt to dispute the information in my credit file which resulted from an erroneous credit information : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} - previously Late/Closed -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} - XXXX XXXX, Late/Opened XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an FTC report. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-08-22
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)

'm still having an issue with other cards that were never activated. I've already filed a complaint with the www.bbb.gov claim id XXXX I purchased XXXX gift cards on XXXX, XXXX XXXX, from XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX each gift card was supposed to contain {$500.00}. I checked the balance on XX/XX/XXXX via the website and no balance is showing on any of my cards, the cashier assured me that each card loaded correctly, the cashier told me that they don't have any receipt paper and that no receipt was available. the cashier also had a problem scanning and loading the card, the cashier then went to the back to grab XXXX other cards and told me that the XXXX new cards are now active and ready for use. I was trying to pay my rent online with the XXXX gift cards that total {$4000.00}. I feel I was scammed by either the company vanillaa gift or incomm. the cards not even active after the cashier assured me. I need my cards loaded as of right now I am out of {$4000.00}. I live update New York and the location is in New Jersey about XXXX hours from me. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX at this point is tampering with the cards and the only thing I can think of is the cashier at XXXX.
Consumer complaint received 2024-08-22
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 ()

I have been using Paypal for a while now, which was a nice experience and have never had disputes with the company until the following occurrences : On XX/XX/year>, at XXXX XXXX, I received an email from the company requesting that I provide more information about my account and other transactions that recently took place in my Paypal account. I did not hesitate to send them all the requested information, which I have attached here. Immediately after I finished submitting all the required information, my Paypal account, which was now on a temporary limitation, was all over a sudden imposed with a permanent restriction, which they termed as due to risk my account. it was the right idea for the funds to be held for the next 180 days before I could contact them. I tried reaching out to them through the app with proof I am going to provide below but they responded by stating that the only solution was for us to part ways, which was so unfair to me. Below I will attach all the documents and messages we exchanged with the company.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX has committed aggravated identity theft., I did not give this company written permission to report any information or share my personal information with no third parties. I also do not have a signed contract with you. How can you validate debt that you purchased for pennies. Please remove this account that does not belong to me.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Colony Brands, Inc. (VA)

I mailed a payoff check but apparently the company XXXX XXXX during business as The Swissy Colony never received the payment. Unfortunately, I can not find that last bill or the check book. I tried to reset my password to view my payment history but I never received a password reset via email from Swiss Colony. I did notice that the envelope window is very narrow and any shift in the statement could cause a mishap. My current bill is {$330.00} effective XX/XX/XXXX with a closing date of XX/XX/XXXX. I called today and was advised my last payment made was XX/XX/XXXX of {$81.00}. I never received an XXXX bill but I received one this week saying I was past due {$30.00} and my next due date is XX/XX/XXXX. I have been mailing this bill every month but creditors are beginning to make it very difficult to choose to mail in payments with instances of checks never reaching there destination. I will send a payoff again today via certified mail so that I can better track it. Additionally The Swiss Colony XXXX number will have a customer on hold almost a half hour then disconnect the call so that you have to start over an call again. These types of actions by a creditor negatively impacts being able to resolve a credit issue. I have requested to close my account but was advised by the representative I will not receive any confirmation that the account has been closed not even once it's paid off in full.
Consumer complaint received 2024-08-14
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: Self Financial Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking account on XX/XX/XXXX and signed up with a promotion that allowed me to received a checking account bonus of {$300.00} after making two qualifying direct deposits of at least {$1500.00} within 90 days ; after making these deposits, I was told I would receive the bonus within 30 days. However, I made these two direct deposits more than a month ago : {$1.00} deposit on XX/XX/XXXX, {$1.00} deposit on XX/XX/XXXX, {$1400.00} deposit on XX/XX/XXXX. I have yet to receive my {$300.00} bonus, despite meeting all of the requirements ; I'm concerned this bank is engaging in false advertising with this promotion.
Consumer complaint received 2024-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

On XXXX I renews cd at XXXX XXXX XXXX 
The bank is saying that they are having computer errors that wont update the rate. So they are advertising one rate and setting your existing rate at half of that rate. ( XXXX  XXXX ). I started this process two weeks before and they were trying to right it up at the lower rate and saying they would back date. I went back a week later to see if it was fixed and they wrote up for the correct rate but it still hasnt been corrected in the system. Its still showing that its at half of the XXXX pay rate.
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I received a late fee charge in XX/XX/year> I informed the company about the changes the were made by the financial bureau that requires them to decrease the amount that can be charged for a late payment from XXXX to XXXX XXXX synchrony informed that those changes are not law and that they will not be decreasing the late fee charges, I informed the companys if late fee charges are decreased Ill be more than happy to pay the depth, the company refused, since then I have acquired late fees for XXXX, XXXX, and XXXX due to the fact they refuse to decrease the late charges in XXXX XXXX XXXX  Again I am willing to pay of original balance
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
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: JPMORGAN CHASE & CO. (MI)

. The level of service I have encountered is unacceptable and has led me to seriously reconsider my relationship with your bank. 

Over the past several months, I have experienced numerous issues with my account, including unexpected charges being applied almost daily. 

These charges, small as they may be, seem to be an attempt to slip by unnoticed, but I assure you, I have noticed every single one. 

While I have filed numerous claims and have won 90 % of them, I am perplexed as to why my account continues to be mishandled in such a manner. 

It feels as though my account is being " played with, '' and I am frankly exhausted from having to constantly monitor for mistakes that should never occur in the first place. 

My dissatisfaction is not limited to these erroneous charges. I have had the unfortunate experience of dealing with customer service representatives who are not only unprofessional but also struggle with basic communication in English. 

On several occasions, representatives have been rude, raising their voices, and even shouting at me, rather than resolving my concerns. 

Such behavior is not only unprofessional but also entirely unacceptable. I deserve to be treated with respect and to have my issues addressed competently, neither of which has occurred during these interactions. 

Furthermore, I have had to repeatedly request new debit cards due to unauthorized access to my account, a situation that seems to be compounded by Chase 's known security vulnerabilities.

It is alarming to me that Chase a prominent financial institution, is unable to provide a secure environment for its customers ' accounts. 

I am at the end of my patience with these repeated issues and the substandard service I have received. 

If these problems are not immediately addressed, I will have no choice but to escalate this matter further. I am prepared to contact your Human Resources department, take my complaints to the news media, and seek legal representation to ensure that my rights as a consumer are protected. 

It is my hope that you will take these concerns seriously and take immediate steps to rectify the situation. Legal matters will be involved. 

I would appreciate a prompt response detailing how Chase Bank intends to address these issues and ensure that they do not continue.
Consumer complaint received 2024-08-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NC)

I made the complaint on or about XX/XX/year> to XXXX. I went to make a purchase a my local XXXXXX/XX/XXXXXXXX store. My purchase was declined and I knew I had a balance of {$380.00} the previous day when i left my local XXXX. I was told by a XXXX XXXX card rep that a purchase of XXXX dollars was just used on my card at a place called XXXX, in COLORADO, I knew nothing of this place. They assured me this matter would be handled within 45 to 90 days. I contacted them regularly to find out that they did not have answers for me and eventually said it was my own doing and they would not refund my money. 
In XXXX I then contacted the XXXX whom said the Merchant was not in complaince and they were not willing to refund the money. 
XXXX i received in the mail a XXXX gift card with a new balance of {$1.00}. 
i would love to have help with the recovery of the {$380.00} that i did not use and was taken off my card without my permission. 
an added note : when i tried to make the purchase at XXXX XXXX XXXX in XXXX NC, the attendant actually typed in XXXX after i told her the amount of XXXX that was on the card and then she swiped it. but it declined. 
XX/XX/XXXX Store # XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX,
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (TX)

under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.