davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (CA)

Complaint Regarding Chase Marriott Bonvoy Boundless Credit Card Promotion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding a promotional offer associated with my Chase Marriott Bonvoy Boundless credit card. 

In late XX/XX/year>, I applied for the Chase Marriott Bonvoy Boundless credit card and received it in early XXXX. The promotional offer at the time promised 5 free nights after spending {$5000.00} within the first 3 months of card activation. Based on this offer, I made purchases towards the {$5000.00} spending threshold, intending to fulfill this requirement within what I believed to be the 3-month promotional period following card activation. 

On XX/XX/year>, I contacted Chase customer service to inquire about the status of the promotional bonus. I was informed by a representative named XXXX that I needed to spend an additional {$21.00} to qualify for the 5 free nights. Relying on this information, I promptly made the additional purchase. 

To my disappointment, upon contacting Chase customer service again on XX/XX/year>, I spoke with a representative named XXXX who informed me that I had missed the deadline for the promotional bonus and would not receive the 5 free nights. This contradicts my understanding of the promotional terms, which did not specify a specific deadline by which the spending had to be completed within the 3-month period following card activation. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: 1st Franklin Financial Corporation (KY)

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as XXXX. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 ( AN ( 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. 

Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I made four different transactions with the same seller on my account. With all four, the seller provided one tracking number that shows that the package was delivered to an incorrect shipping address. The tracking number the seller provided was XXXX XXXX. The delivery address I provided to the seller is to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The tracking number the seller provided shows that the package went to XXXX XXXX XXXX PayPal denied all four cases on the reason of, Seller provided a tracking number. PayPal did not investigate any of the cases properly because if they did, they wouldve seen that the package was delivered to the incorrect location. The case IDs are XXXX XXXX XXXX, XXXX, XXXX. I need an immediate resolution for this!
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I held this credit account since XXXX  ... .it was one of the foundations of my credit history, it gave my Credit Score strength. Two Decades of credit history in addition to about {$20000.00} worth of available credit that I have used for balance transfers or large purchases. Over the past years I have been trying to pay down my revolving credit and ended up carrying a XXXX  balance for a duration that was seemingly unacceptable to Chase Bank. The company claimed they attempted to notify me in writing ; via a letter I have no recollection of receiving. Especially if their letter was plain looking or perhaps resembled junk-mail or a basic credit card offer... I throw those away constantly. I have no e-mail from them warning of eminent account closure ... ..I have no text message warning me of eminent account closure ... just their word they sent me a letter that I never saw. They use my e-Mail address to send me Marketing materials, but they can't send my e-mail a warning of eminent account closure!!!!!!! What kind of double standard is that!!!!! I have been harmed by this action ... my FICO credit score dropped by XXXX points upon the Closure of this 20 year account. Prior to this happening my credit score was in the XXXX... .now its in the XXXX .....
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NC)

We are receiving a collection from Penn Credit Corporation originally owned by XXXX XXXX XXXX ( XXXX  ) toll bills amounting in {$190.00} for a former truck that was leased under the company by XXXX XXXX of XXXX XXXX XXXX XXXX, NC XXXX owner of XXXX XXXX XXXX DOT XXXX is no longer leased under the company. He can be contacted at XXXX. I have attached the leasing agreement and a page from our company 's NC XXXX Renewal Packet showing we only have XXXX truck under our company with license plate XXXX.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DIGITAL FEDERAL CREDIT UNION (HI)

XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  on XX/XX/2024 XXXX XXXXXXXX XXXX XXXX on XX/XX/2024 XXXX Card on XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXXXXXX XXXX XXXXn XX/XX/2024 XXXX XXXXXXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX the creditors above to have inquiries removed however they still appear on my credit report there are many inaccuracies they are reporting different dates on different credit bureaus and they are also fraudulent.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I was told by an American Express supervisor that my full credit limit of {$25000.00} would be available to my after I activated my card on Thursday, XX/XX/XXXX. After I activated the card, only {$10000.00} is available for use. The business practiced dishonest tactics and refused to address and fix the issue. The statement I received with the card states that {$25000.00} is available but this is not true. On XX/XX/XXXX, I asked for documentation or policies stating that the full credit amount could be withheld. Furthermore, they informed me that the hold could be waived but refused to waive it for me. Nobody could provide proof by documentation. I am asking they fix this issue immediately and provide me with the full {$25000.00} credit limit agreed upon after I was approved for the card.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My mortgage servicer incorrectly reported a 180 day past due payment on XXXX of XXXX. I notified them of the error which they acknowledged. However they have not removed the late payment. I have been impacted greatly by this error and request immediate removal of the late payment from all credit reporting agencies.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I received an email from this address XXXX stating I made a purchase for {$520.00} of XXXX  through PayPal it gave me a phone number XXXX to call if it was fraudulent when I called the agent then told me to go to XXXXXXXX XXXX store to down load an app that would help me report the fraud the app was called XXXX it said remote access I then told the person on the other end I do not feel comfortable allowing remote access to my phone and I refuse they told me they can't help me then and to terminate the call I contacted my bank and my bank said no transaction of this type has come through. I believe this company was trying to scam /fraudulently gain access to my information I told them I will be filling a complaint they hung up on me
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (KY)

I am having issues with charges on my background check appearing, even when they're not supposed to show any longer on a 5 or 7 year background check. I have a Possession of a Controlled Substance charge that was only one single court date and was supposed to be dropped off my record if I didn't get any further charges for 2 years. My background always shows the same charge two times, with different dates. And it's never been removed off my record.
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: CAPITAL ONE FINANCIAL CORPORATION (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 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo BILT account was closed without warning or my knowledge on XX/XX/XXXX. Today, XX/XX/XXXX, this ( no longer active and paid off ) Wells Fargo account tried to pull {$9200.00} from my checking account ( which is now at a negative balance due to this ). This makes no sense, as the account supposedly no longer exists and has no remaining balance owed on it. I have contacted them but just got spun in circles about how this is because this amount was paid before. However, they could not address how an inactive account is pulling money. Between the closure of my account with no forewarning, the forfeiting of my points with no warning, and an attempt of a closed Wells Fargo account to pull money out of my checking account, this is now fraud on the part of Wells Fargo. I don't know what is going on with this company. I am attaching images of ( 1 ) the letter informing me my account has been closed, ( 2 ) a screenshot of my Wells Fargo BILT account showing it is paid off and actually in the negative because I am now owed money from them, ( 3 ) a screenshot of my XXXX XXXXXXXX XXXX checking account, showing the attempt to remove {$9200.00}.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-10-26
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Good morning!

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed
from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report?

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$3400.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - XXXX XXXX  Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 

Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all account below are related to the bankruptcy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 

Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX I received an official email from the US Department of Education stating that my federal loans were : " Your loans will be discharged based on an XXXX  finding that XXXX XXXX XXXX  made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. '' I have requested from Navient, who holds my private student loans, the Navient Student Loan Forgiveness forms. I spoke to a representative the week of XX/XX/XXXX and officially requested the form. I was told by this representative that I would receive the form via my Navient portal within 3 business days. It has now been XXXX weeks with no form received. I called on XX/XX/XXXX and was told by the representative that they " tried to send it out on XX/XX/XXXX but they are running out of forms and are having trouble printing more. '' Which seems like a blatant lie and attempt to avoid loan forgiveness. 

I have requested this form on 3 separate occasions and Navient is refusing to provide the form that I am legally required to receive once requested. 

Thank you.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity Properties Inc. (OH)

XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. 
I have asked repeatedly for them to call once a month at the most! Not to call before XXXX, as I am in class before them, and they have refused to honor my requests.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (IL)

I recently disputed this with XXXX XXXX several times sent in police report etc. I received a phone call from Apelles this week regarding XXXX XXXX accounts ending in XXXX and XXXX. 

The representative acknowledge after asking questions their records does not match me. It's the same thing I disputed with XXXX XXXX XXXX XXXX. Somehow someway my identity is becoming cross with another XXXX XXXX. 

All of this is going on and XXXX XX/XX/XXXXis still reporting this file as a collection/chargeoff and late.