davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (NJ)

I was booking a room online for XXXX XXXX XXXX XXXX. At the payment page to confirm the room, XXXX credit card offer from Chase came up stating " upto {$300.00} statement credit '' if approved for the card. I chose to apply for the card by clicking the link, completed the application process and was instantly approved for the XXXX XXXX Rewards card with {$150.00} statement credit instead of {$300.00}. Upon further diligence, I realized that {$300.00} statement credit is available for the Premier card with annual fee whereas {$150.00} statement credit is available to Rewards card with no annual fees. However, I was never given a chance to select a card between these options or made aware and whether I want to accept the card with the fact that I will not get {$300.00} statement credit. I called the customer service ( even though a number of not provided to resolve any issues ), and the complaint was taken and was told to give about 3 weeks. Now I have received a credit card statement ( upon spending at least {$300.00} on the card -- which was condition to get {$300.00} statement credit ) and it shows statement credit of {$150.00}. Upon inquiry again with the credit card issuer, Chase Bank, I am told that escalation review is complete and that I will not be able to get full {$300.00} statement credit. I believe the online representation is highly misleading and designed to avoid presenting choices in order for consumers to be able to select appropriate cards ( with and without annual fee but with {$300.00} and {$150.00} statement credits respectively ) and just luring them in to applying for " the '' card. I would not have applied for the card had I known that I would be forced into getting only {$150.00} statement credit and basically had no chance to get {$300.00} statement credit in the way the card application process worked.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed 2 fraudulent claims in XX/XX/year> for {$1400.00} each totaling {$2800.00}. 
I received a provisional credit. This week my provisional credit was reversed with no explanation and they have failed to send me the information they used to make this decision. I am now over drawn almost 4 months later.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received various notices from Portfolio Recovery Associates LLC. They are on my credit report twice and I have asked for debt validation and the removal from my credit report in the past.. I ask that portfolio recovery not send me a statement of the debt but an original copy of the contract and my signature. This company has been notorious for being on my credit report for more than 7 years. And I have disputed withall three credit bureaus, many times and each time they come back and state that this is my debt based without even verifying it. I need more than a statement from Portfolio Recovery and I need to see my original signature on any debt that they are attempting to collect. I would like a 1099 form to show where the original creditor wrote the debt off in my name or on my behalf. Show me proof where of your validity in collecting this debt. I ask that you remove all collections from my report. I ask that all proof be sent to me. In one of the letters I received it states that " the law limits how long you can be sued on a debt. and due to age they can not sue and that they will not report it to any credit reporting agency. the notice is required by law. '' Then tell me why Portfolio recovery is on all three of my credit reports? Please get off my credit reports immiediately
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (IN)

I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

Around XX/XX/year>, XXXX XXXX and XXXX XXXX  XXXX XXXX entered into a legal dispute. My checking account with Juno has been affected due to Juno  's service agreement with both entities. My funds have been frozen for the last XXXX months. I'd like to gain access to these funds as soon as possible. My Juno account has {$840.00}.
Consumer complaint received 2024-07-28
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 (OH)

I purchased a XXXX XXXX from the XXXX XXXX on XX/XX/year>. When I authorized the charge on the app, I applied a promo code that reduced the original amount from {$130.00} to XXXX for a {$13.00} discount. This item does not have a return option. When I received my email receipt, it was {$13.00} higher. I attempted to resolve the issue with the XXXX, and they offered me a {$13.00} discount on a future purchase. I rejected the offer. 

I filed a dispute with my credit card company on the website and in writing. I explained it was a fraudulent charge and provided emails between me and the vendor proving they knew of the problem with the promo code and only offered a discount and not return the money they stole from me. 

The credit card company denied my chargeback request because I had received the item. I again explained why that {$13.00} was a fraud, and they only said they could reopen the case. I'm hoping you can force them to review it again.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

I order an XXXX for my friend a few days ago the ride was XXXX dollars I ordered it for her but when I woke up the XXXX charge said XXXX dollars an some change so I called Robinhood an they me to dispute it so I did as well they recommended me a new card so I did since then I havent been able to send spend or do anything with my money my account is pretty much frozen and on top of that when I requested the new card they started to sell all my shares Crypto EFTS etc an im really confused on why would they do that but Ive been trying to get in contact with but they keep telling me contact via email
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

XX/XX/2024 - Filed a complaint by telephone regarding a stolen check with unauthirized transaction posted by XXXX on my checking account. 
The record number for my complaint is : XXXX Received a letter from Citibank XXXX XXXX XXXX XXXX XXXX XX/XX/2024 stating that my inquiry/complaint had beed investigated and completed and that Citibank has credited my account in the amount of {$5000.00} ( Amount written on the stolen check ). 
Called Citibank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and wrote a follow letter asking why there is still no credit shown on my checking account. 
Every time I called several representatives convened in the background and ask for more supporting documents which I alredy submittedand in their possession. 
XX/XX/2024 I called and was told for the first time by Citibavk representative that it takes minimum of 90 days for my checking account to be credited. 
Every time I call and ask for a current status about my i was getting no direct answer when I will receive the credit.
Consumer complaint received 2024-08-09
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: Bridgecrest Acceptance Corporation (NC)

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 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On the XXXX XXXX unauthorized transactions were made on my account i immediately went to in app chi, ensupport and informed the while the transactions were still pending they actually told me they had canceled the transactions and they would be returned to my account when the transactions were done pending. I even texted chime support to make sure and they reasurred me it was canceled. To my shock the XXXX dollar charges went through I immediately reached back out and apparently the cancelation never even happened and was just a mere attempt to shut me up. I was informed I needed to call to dispute. That I did, I provided all the documents of the merchant closing my account in XXXX and even a chime support agent telling me my account had been logged into on the XXXX on a separate device. I'm out of XXXX dollars right before my rent is due and chime didn't even fight for my money or contact the merchant
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (TN)

I am reaching out regarding my Aspire Credit card issued by the XXXX XXXX XXXX. Back at the end of XXXX my card was lost and I contacted Aspire customer service to report that my card was missing, to my surprise I realized that my card was not actually lost that it had been stolen because I had multiple fraudulent transactions, which they happily assisted me with. I received the provisional credit and subsequently received a letter asking me for additional to which I supplied the information requested by the bank. Its been exactly 89 days and my card was lost walking into the mall, I assume as I do not really know the details exactly how the card was lost other than I know my card was missing along with the inner part of my wallet and my id. Not only did they reverse the I ended up having to get a new ID as well. I notified the bank and everything seemed to be ok. I logged into my account this morning to see that my previously resolved case that was credited to my account for the fraud had been reversed and was told even previously told that it was found in my favor. I spoke with Customer Service and they told me and read me the notes from the investigation team that stated because I have another recent claim within 2 months, which it was not, they denied the first claim as well and Reversed it because they claim it could not be fraud. This is absolutely ridiculous. I asked previously if I should file a police report from back in XXXX and was told no, I was again told no on the second report but despite being told no, I didnt need it I actually did file a police report with my local police department, report XXXX was filed with the XXXX Police department for the most recent incident. How are they claiming this is not fraud. Most of these transactions were made during my working hours, and with companies I have never even done business with. They should not be holding me accountable for fraudulent charges, its not my fault their system did not catch these, especially considering I rarely use the card and charges just start coming in back to back on an account thats rarely used. This not acceptable. This was fraud and I did not participate or benefit from the transactions and did what I was supposed to do and notified the credit card company as soon as I learned about the fraud. Not only did the reverse the previously approved fraud they reversed valid fraud charges to the account and closed it!!
Consumer complaint received 2018-08-23
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NATIONSTAR MORTGAGE LLC (IN)

See attached document showing payments still not reported per XXXX, missing from credit bureaus. Per taped phone conversation and CFPB complaints ... XXXX did admit to wrong doing per their representative, Mr. XXXX XXXX misguiding me to stop making payments at the beginning of my VA loan which led to the beginning of the multitude of CFPB complaints. 

Per XXXX making final payment of forbearance and stating, " XX/XX/2018 we will submit all payments that have been made to the credit bureaus. '' **See attached document showing payments still not being properly submitted** I need ALL of my payments reported through out my VA mortgage loan. I need a statement sent to the credit bureaus so the proper changes can be made. Please refer to taped phone conversations as well police report over the past year of multiple complaints against XXXX Nationstar Mr. Cooper with regards to incorrect reporting, errors being reported, made up information being reporting, over {$100000.00} without my knowledge as well being added to my current VA mortgage loan. 

Per taped conversations per your company representatives, " Mr. XXXX XXXX, Mr. XXXX XXXX and a female representative, " XXXX '' who works for Nationstar ... Refer to the information where it was clearly stated to me via phone ... to give them until XX/XX/2018 and we will make sure that all payments will finally be updated with the credit bureaus and then my credit should reflect the changes ... positive changes. 

The complaints will escalate to higher powers that be until this is once and all resolved. 

XXXX XXXX
Consumer complaint received 2024-06-28
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (IL)

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a 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. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/ I made a transfer from my XXXX XXXX to my Robinhood account. Transaction amount below {$2000.00} {$2000.00} It arrived my Robinhood account and ever since I haven't had access to my funds, I spoke with Robinhood several times and provided every information they needed and they still wouldn't allow me access my funds.

I'm asking for help for immediate access to my money
Consumer complaint received 2024-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is the second time that Capital One checks my credit report without my authorized consent. The first incident occurred in XX/XX/year> and the second incident on XX/XX/year>. Due to these incidents, Ive needed to report inquires as fraud and file an identity theft report. It is unprofessional and unethical to allow this to occur a second time.