davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My Chase bank account was compromised. An unauthorized individual requested a new debit card, transferred money from savings to checkings and spent more than {$3000.00} at various XXXX in XXXX through cash back on XX/XX/23. I have never been to Illinois and was concurrently using my card in XXXXXXXX XXXX where I live. I alerted chase of the activity as it was occuring. I have been refunded less than {$500.00} of this money from chase despite them acknowledging fraud existed. They only refunded money from some of the transactions. 

Chase failed to alert me of an address change, or alert me of this activity. They would not tell me where the debit card was mailed. A week prior to all of this I was locked out of my online account and when I inquired as to why this was happening they simply said " sometimes accounts need to be reset ''.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have been fighting to get my life straightened back around since I found out I was the victim of identity theft. This has been doing really well with my disputes aside from XXXX from XXXX. From my research online, it appears to be some sort of pay as you go type of charge account. I have sent XXXX XXXX theft avadavat letters which none have been responded to as required by law. I am unsure how the credit bureaus are getting any verification from them, when they are not responding to me, unless the investigation is truly not happening. I finally was able to get communication from XXXX via email in which they found the account did not belong to me. I supplied this information to XXXX and Equifax on my last round of disputes and it still has not been removed. I am not sure why this incorrect information is intentionally being left on my credit file even though the creditor itself states that it is incorrect and XXXX and Equifax was supplied this information. This incorrect information is causing pernicious mental and financial harm to my family and needs to be removed immediately.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, XXXX, TRANSUNION ARE HELD LIABLE
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (NJ)

There is a closed case Transaction ID XXXX which was reported incorrectly. I have sent several emails to PayPal 's executive and fraud departments. I mistakenly entered a complaint, and it was done under ( good and services ). PayPal doesn't offer many options to send complaints or disputes. The money sent to the recipient is frozen, on hold and the recipient is unable to receive the funds, return them to me or do whatever needs to be done. I don't know if perhaps I will need to file a complaint with the court about this matter and request a judge order this money sent back to me ( the sender or order it released. The case is closed so they should not be holding onto my ( the customer 's money ). I am a bit suspicious of this since they closed the case. I would like for you to inquire and investigate the matter prior to me taking further perhaps legal action to get the funds back released to either me or the recipient ( the intended parties ). The tranaction was done for/as family and friends and not good and services
Consumer complaint received 2024-08-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Dear Pro Collect, What happen to my debt validation regarding the account listed below? 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. They law is clear on this issue ; you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 
In addition, Im asking your company to cease all communication with me via phone and mail except for advising me that you will be deleting the above account from my credit report. Here is what you must do within 10 days or I will be talking with an attorney to force my rights under the FDCPA and the FCRA. 
Instructions : ( 1 ). Deleted the above account from my credit report within 10 days from today.

( 2 ). Cease all communication with my by phone and by mail.

( 3 ). Stop all collection activity on this account as I consider this matter closed.

( 4 ). Send me a check for {$1000.00} for violation of the FDCRA.

If none above items are met, I will escalate this matter.
Consumer complaint received 2024-04-11
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: JPMORGAN CHASE & CO. (NY)

I saw a promotion online if you apply for a Marriot XXXX credit card and spend {$3000.00} dollars within 3 months that I would receive XXXX XXXX point certificates and Marriott XXXX points per dollar spend. I applied for the credit card around XX/XX/2024. I reach the promotional spend in the first month. Along with the XXXX XXXX points certificate I was suppose to receive, I was suppose to receive an additional XXXX Bonvoy points based on the charges I made on the credit card. Based on my credit card statements, I spent {$3500.00} in XXXX, {$3900.00} in XXXX, {$1.00}, XXXX in XXXX and {$1200.00} in XXXX. It's XX/XX/2024 and I have yet to receive my XXXX XXXX point certificates or any XXXX points. My account has XXXX points and nothing has been added even though I have used the credit card and spent {$10000.00} in XXXX months. I have called XXXX Marriott three times and Chase twice. Marriott keeps saying it's an issue with Chase and Chase keeps on saying it's an issue with Marriott. First Marriott said that it takes a while to post and then I called Marriot back. They conducted an investigation and I was then told that there is an issue with Chase that the credit card was not linked to the Marriott XXXX  account number. I called Chase to let them know of the issue. They did an investigation and told that they were linked and Chase has sent the Mariott points to the correct Marriot account. I called Mariott back to let them know that Chase did an investigation and that the credit card was linked to the my Marriott XXXX account. Chase has stated that Chase has been sending the point every month. However my Marriott XXXX account does not show that I have received any points or certificates.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint against Synchrony of what I believe was a violation of Anti Trust Law. I have faithfully paid my account monthly and now that I am in a place where I can be a bit more aggressive with paying my balance down they lowered my balance {$100.00} above the amount that I paid! This in return would cause my utilization to max out and I did not feel that was ethical! They claimed they did so based on my credit and since Ive been doing this across the board there is no way possible that they lowered my limit based on all my cards being maxed! I logged in online to pay my bill before the due date only to be locked out! I called customer service and I was told based on my credit report my card was closed on XX/XX/XXXX. Now please check and see when my initial complaint was received and this will show clear retaliatory behavior which I believe was retaliation for filing my initial complaint! I due to plan to contact my attorney on the matter. Im appalled that Synchrony would respond this way having never missed a payment or defaulted on my card agreement!
Consumer complaint received 2024-07-30
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: AMERICAN EXPRESS COMPANY (CA)

Amex XXXX and XXXX announced a deal where members would get a full credit for the XXXX + subscription on their card if they signed up. This went fine for a few years. 
On or around XXXX XXXX my amex XXXX expired and they sent out a new card. 
Unbeknownced to myself they changed the card used so I lost the benefit without knowing it. They stopped applying the credits because XXXX was now using a different Amex card that did not have the benefit. 

Of note I have many subscriptions that use the Amex platinum and they continued without issue. For some reason XXXX has set up their subscription to go to a new card without any notification or consent. They also could have paused the subscription or cancelled it. Instead they charged a random card without telling me. 

this resulted in XXXX months of {$14.00} or {$330.00} in fraudulent subscription charges on a card without my knowledge or consent.. 

when I contacted XXXX they said they agreed with me but this change to a random card " happens automatically '' with NO NOTIFICATION to the user. They said they had no way to give a refund with their computer systems. Contacted Amex and they said becuase the subscriotpin was moved to a different card- they could not help. So here I am ....
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I sent two letters, referred to hereafter as " Amex Opt Out '' and " Request 1099-C '', to AMEX Customer Service . I received confirmation that letters were received. To date, I have not received what I asked for and AMEX is still reporting information post opt-out and I have not received any requested documents from AMEX.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you belive you gave me proper notification then please send me the certified reciept with my name on it with my signitaure.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (TX)

In early XXXX I received a notice via postal mail saying my accounts would be closed. 
I sent this to the bank through secure messaging asking for clarification and confirmation. 
The agents refused to clarify or confirm, and woudl not answer any questions about the notice. 
In mid XXXX, the bank did in fact close my accounts. 
I have requested my bank statements multiple times, but they have refused to provide them to me.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 I tried to Mobile deposit a check from my credit union for the amount of XXXX $ I called Chase bank about 4 days later and asked why they were still holding my funds. They told me they were closing my account but could not tell my why.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We bought four XXXX tickets which were fully refundable. Two weeks before our travel we cancelled our ticket because the XXXX airport was not save to travel. The staff was on strike and the airport had long security lines with no staff.People were missing flight and we had a one hour transfer thats why we had to cancel our flight. Our credit card company didnt help us. They denied the dispute and we didnt get the refund although we never traveled and cancelled before the 24 hour time.Please help us. We bought 4 tickets.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (NC)

Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX  and XXXX are still showing this account of report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times. 
They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( XXXX XXXX XXXX ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

My wife reached out to XXXX XXXX for an insurance quote on XX/XX/XXXX and was told that they would not provide a quote due to claims history on a CLUE report from Lexis Nexis. She obtained information that some of the claims belonged to my father. She requested reports from Lexis Nexis on XX/XX/XXXX for review. Upon receipt and review, we emailed Lexis Nexis the details that I am disputing on XX/XX/XXXX and received an automated response. We received an additional email a few days later instructing us to submit the dispute through their portal which was done on XX/XX/XXXX including copies of my ID and a bill showing my name is XXXX and my home address ( which is different than the information on the dispute which shows XXXX and my father 's address ). We received letters from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX stating that the information in dispute was unverifiable. We called LexisNexis on XX/XX/XXXX and the clerk stated she would submit disputes on the items in question. When asked why this was being resubmitted, when it had already been submitted to them twice, she stated that they are governed by the FCRA and have 30 days to investigate. Given that these disputes were initially filed XX/XX/XXXX and again on XXXX, we are beyond the 30 day mark. I do not feel that Lexis put any effort into investigating the dispute, thus requiring me to call again which they say resets their 30 day mark. The claims in question clearly show a different address, XXXX, or XXXX within the claim data, and given that I have provided my license and the bill showing XXXX and a different DOB and address this should have been an easy fix. Additionally, Lexis did not reach out to obtain any additional information that could have cleared up the dispute such as my father 's ID or other information.
Consumer complaint received 2024-05-04
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, XXXX Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. Experian, XXXX, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you may be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. However, the credit reporting agencies have not adhered to federal trade commission ( FTC ) regulations, and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Open Dealer Exchange, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I contacted Trans Union and informed them of the fraudulent and in accurate inquiries thats on my credit report nothing was done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX