davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I C Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX-XXXX-XXXX {$100.00} Medical / XXXX XXXX XXXX XXXX XX/XX/2018 I have called numerous times to get a copy of proof for this claimed outstanding debt. Twice I have been told something would be mailed to me and three times I have been told they have requested proof from the provider and never have I received proof nor does my insurance carrier have any record. Please remove this claim from my record or send me a full summary of my bill, including the data of service, claims filed with carrier and an address to pay the bill.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XX/XX/year> ; Sunday XXXX ; XXXX XXXX, XXXX, NY XXXX0 ; CHASE BANK XXXX XXXX ATM, I wanted to make a cash deposit {$3.00} to pay the rent, the ATM took the money and stopped working, the information appeared on the screen that there was some kind of problem with the ATM and I needed to make a phone call : XXXX. That's what I did. They said, that the money would be credited to my account within 1-2 business days. After 2 business days had passed, I contacted the bank again and they said that now I need to wait another 10 business days, I requested some written confirmation that I had contacted them with a complaint so that they would send it to my email, they refused me this, also they did not they gave me a specific date when I will be able to receive my money, I am very upset about this situation, because I had to pay this money on XX/XX/XXXX for the rent of my house, because of this I could not do it on time and have to pay a fine. I'm also worried that I'll get my money back at all.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OK)

I have XXXX different cards with Citi Bank for over XXXX  years of usage. Never an issue or payment problems. Recently I forgot about an old business card I never used and hadn't updated the autopay account this bounced a {$25.00} fee XXXX times because I dont access that account or email. once I saw this i went on and changed the account and paid all dues in full. Citi decided at that point to clean house of all my accounts. They closed all of my accounts with no notice while I was in XXXX with not other option to pay there. They almost certainly stranded me and shutdown my XXXX personal cards that have never had an issue or a missed payment. They decided to shut down my rental business card as well with XXXX reason. They have just said due to this XXXX old business card issue they closed all my accounts with no notice. This is the most insane thing ive ever seen and when I tell others they dont even believe it all over a {$25.00} payment they closed XXXX accounts and XXXX years of history. Every time Ive called customer service they just say " a letter has been mailed and we have no information about these accounts just they are closed and can not be reopened. '' The letter they sent says you had a bounced payment in the last XXXX months so we closed all of your accounts. I would have loved a phone call or a heads up when this first happened or something instead of no warning shutting down all my accounts when i was overseas. If it helps add anything to this my total credit lines with citi was over {$50000.00} in credit line and they decided that a {$25.00} payment on an old account was enough to close it all. Ill do my best to tell every single person I can ever meet to never use this bank ever again due to trying to strand an american citizen with no payment method and no heads up.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX  Status : CLOSED Reason : Reporting Inaccurate Credit Information, ( these account ( s ) being reporting as open and pass due when its closed ). 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (PA)

I enrolled in a credit relief program in XX/XX/XXXX. As of XX/XX/XXXX, the company had collected monthly payments in the amount of {$250.00} dollars via withdrawl from my bank account. They advised me that I had to STOP paying on my debts to increase the timeline for them to negotiate my debts. As of XXXX of XXXX, I was not behind on any of the debt but I knew that after a job loss I needed to find assistance. I followed their advice and collectively paid them {$1500.00} dollars. All of which was used on " program fees ''. As of XX/XX/XXXX, only {$270.00} was used to payoff any settelment with the remaining amount going to the program in fees. In XX/XX/XXXX, I was served with paperwork stating that I am being sued by my creditors, as they have not receieved parameters to work with. I was horrified that I was advised to stop paying my creditors, to fund this program every month with payments into a dedicated accounty, and still have nothing to show for it. I feel that they used misleading tactics, preyed on the vulnerable, and that they do not reduce debt and just pocket money. I am now being forced to file banruptcy, as I have not made payments since XX/XX/XXXX and the associated fees and interest make this an impossible hurdle to complete. I was also notified by the District Justices office that served me that there is no " Federal Protection '' against debt relief aside from Bankruptcy and that what was promised is actually false information. 

I withdrew from the program due to all of this information, yet they continue to draft my account despite withdrawing from the program.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I used the atm at approx XXXX and I needed to make 2 transactional. First transaction was from my other debit card for {$100.00}. Second transaction was my CHASE DEBIT CARD for {$760.00}. The money never came out. I never received that money. I IMMEDIATELY called the bank and filed a claim. They issued a temp credit. Today XX/XX/year> I noticed CHASE has reversed the claim after I deposited {$980.00} today XXXX They REFUSE to look at camera footage. They are asking for documentation. I have no way to prove something I never had. I need my money back. I am a single mother and 2 months in a row CHASE has robbed me. After I am refunded my {$760.00} and {$980.00} want my account closed INDEFINITELY.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

DELETION OF ACCOUNT FROM ALL THREE CREDIT BUREAU 'S LVNV Funding LLC violated the FRCA section 623 ( 5 ) ( A ) by reporting the incorrect account opening date on the account to all three credit reporting agencies. This re-aging is a violation of the FRCA section 623 ( 5 ) ( A ), LVNV Funding LLC is reporting opening date XXXX XXXX XXXX, which incorrect. Therefore, due to their incorrect reporting the opening date, this account should be deleted from my credit report.
Consumer complaint received 2023-04-07
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. (CA)

Theres been multiple discrepancies chase removed the original purchase plane ticket then XXXX never refunded me the amount I was supposed to be covered for given the policy of XXXX $ they lied about the purchase the refund and took my insurance refund policy and closed my account as well as added cards to my account that I dont have on my account my only card is XXXX they added multiple in order to show fraud but the fraud came from the chase employees
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

To Ally Auto XX/XX/year> Account Manager Please my I request a full account summery regarding the above account as I have called several times and have no response per my attached documents as there has been various administration problems from the beginning of the loan there has been multiple times I have requested for a manager call back or do I have to take this up FDIC I AWAIT you return of reply PLEASE NOTE MY CONTACT NUMBER IS XXXX From Ally Auto XX/XX/year> Hello, We received your concern regarding your account. Due to the nature of this matter, we have escalated your concern to a supervisor for review. Please allow us additional XXXX business days to address this. 
Sincerely, Ally XXXX XXXX If you submitted more than XXXX request, you may receive additional responses in a separate message. 


To Ally Auto XX/XX/year> Attn XXXX Investigation Analyst Dept As per the above message I am still awaiting a response as Referred by and conversation with XXXX Customer Executive Relation Dept I am Further following up to inform I have again made several attempts to call on the number given by XXXX XXXX option XXXX option XXXX EXT XXXX to resolve my summery investigation suggestions by XXXX I am request all the issues mentioned to XXXX XXXX do I report this to the FDIC XXXX await your response contacted Supervisor XXXX ID XXXX Please note I am also unable to Add Attachments any supporting documents Error We are unable to complete your request
Consumer complaint received 2019-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendUp Loans LLC (MO)

I received a loan from this company on XX/XX/17, outlined in the agreement a payment schedule of XXXX was to be paid on XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 and XX/XX/17 by automatic withdrawal. I have sent proof showing that at the end of my loan all payments were done. However at the end of my payments I received a notice stating that I still owed XXXX. I contacted the company and was told that there was a payment that was missed and unable to be withdrawn. Even though I disagree with this information that would be a single payment of XXXX. The payment of XXXX is compounded interest beyond what is stated in my signed contract and what is legal under Missouri state law. I have contacted my Attorney General in regards to this matter and the company several times to no avail. The customer service refuses to connect me with someone directly or give me contact information for the corporate office. I would like to have this settled immediately.
Consumer complaint received 2024-07-31
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of Capital One Bank, or it is major oversight on their part to protect stolen identities.
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (AZ)

I received my first call from Westlake financial at XXXX from the number XXXX ( XXXX ) XXXX, I advised the agent I would pay via the app they provide on XX/XX/year>. I then received another call from Westlake financial at XXXX from the number XXXX ( XXXX ) XXXX, the collector did not immediately identify their name just the company. I advised him a representative already called me I asked for his name and his supervisors name but unfortunately they were XXXX  names and I was unable to understand them. I then asked him not to call me back he said ok and hung up.
Consumer complaint received 2024-07-02
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: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to bring to your attention a concerning matter related to unauthorized inquiries on my credit report. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I received notifications of inquiries initiated by auto loan providers, despite being pre-approved for respective financing arrangements.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
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: GOLDMAN SACHS BANK USA (FL)

Issues with my Apple credit card, Goldman Sachs Bank USA.

Dollar amount : The dollar amount of the suspected error ; {$960.00} Description of Problem : 1- On XX/XX/year>, my card balance was {$1100.00} and I have paid this amount in XX/XX/year>. 
So by paying {$1100.00}, my balance as it been shown on my end at the time was ( - {$500.00} ) until XX/XX/year> and the balance amount has changed from ( - {$500.00} ) to ( {$1400.00} ). My statement of XX/XX/year> stated that the total charges, credits and returns is only ( {$100.00}. ) The statement does not say how the balance has changed exactly from ( - {$500.00} ) to ( {$1400.00} ). 

2- I tried to get clarification with all the details regarding the payment on XXXX XXXX XXXX with the amount of {$1100.00}, and what did I paid for or how the money has split exactly, because the statements of XXXX and XXXX is not clear any the numbers dose not match, but I did not receive any response until today. 

XXXX Furthermore, my current installment balance it says : total paid amount is {$790.00} and the total remaining amount is {$500.00} since XXXX XXXX XXXX. 
However, in XXXX XXXX XXXX, you have charged me {$54.00}. Also in XX/XX/year> you have charged me {$54.00} but non of these charges reflected on the installment until today. 

XXXX I have tried to get clarification with all the details regarding the adjustment reversal on XX/XX/year> and the adjustment on XXXX XXXX, and the Cash Back redemption ( REVERSAL ) on XXXX XXXX. ( note : I dont recognize any cash back redemption on this date with this amount ). However, the bank did not respond to my letter until today. 

XXXX I have tried since XX/XX/XXXX until XX/XX/XXXX to get answers or to have the issue fixed, but unfortunately, I have wasted more than 36 hours of my life by talking to the bank customer service and specialists by the phone, which each one of them told me different things, and opened many cases and after all, the issues still exist and no solution. I have sent a letter by mail, which the bank have received in XXXX XXXX, but I have not received from the bank any response to my letter, and my issue still exists and have not been resolved.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (MN)

XXXX is saying that I owe this debt and I constantly tell them that its not my debt! I am a product of identity fraud!!! Im tired of the harassment! 

XX/XX/year> is when they said the debt was obtained. 
{$900.00} is the amount Ive sent dispute letters one after the other Its the only thing thats negative on my report! This is not my Debt
Consumer complaint received 2023-10-26
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: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/2023 I contacted my bank to report a transaction that I believed it was fraudulent from a scammer. I asked for the transaction to be voided or cancelled ( reversed ) and the bank confirmed they would. My card was cancelled, and they sent me a new one. However, the charged remained on my account for the following days. I followed up with the bank and requested status for several times, their response was always that I would see it on my following billing cycle. I submitted a dispute because the bank deemed the charge a legitimate transaction from the beginning. I submitted all the evidence I could and the response from my bank suggested that the other party had strong evidence since the charge was for a service that was provided. I came to the conclusion that the service that was provided was to pull money from my credit card and give it to the scammer. A phone call from a supervisor was requested and when finally received the call, they explained that there is nothing they can do. During the dispute process they allowed the merchant ( third party ) 45 days to provide evidence. At this point I didn't know who the merchant was since it was all part of the Scam. When I finally was able to contact the merchant ( third party ) they affirmed that they can not do anything since it was a transaction that happened over 30 days ago.
Consumer complaint received 2024-07-31
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. (FL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.