davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX I discovered a fraudulent check written and funds {$5000.00} withdrawn from my Suncoast Credit Union account ( savings ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX. The check was written, and money withdrawn on XX/XX/XXXX. I went directly to the bank the morning of XX/XX/XXXX and signed the banks form notarized at the bank ; which the bank submitted to their fraud division. ( Bad Check Complaint Form ). They did not provide me a copy of this form. I also called the police that morning and they sent an officer to come to the bank. The officer said they do not handle this and gave me a information on a web site to file a report. ( Identity theft.com ) and a piece of paper with Victim of Bad Check! I have called the Fraud division of my bank on numerous occasions who informed the have my signed bad check complain form but are back logged and different people at the bank have given me different time frames. One said 2 business weeks another, this was a senior member advocate at Suncoast, said up to a month. It has been 1 month today and so far, no return of funds and nor resolution and no answers given to me.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the Chase Sapphire Reserve card which holds a fee of {$590.00} per year and {$75.00} for additional card holders. The card advertised a feature called Priority Pass. With this benefit I was promised {$28.00} discount for myself and up to two guests at many airport restaurants around the world. 
I received not only my Chase card, but the Priority Pass card in the Mail. When I went to use the Physical PP Card it was not activated. In fact after many phone calls etc it took around one month to get the service working. Many employees told me I would re reimbursed for my $ XXXX in personally paid expenses. Although Chase/PP was at fault I was denied any reimbursement.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NH)

I opened the account on XX/XX/2023 I funded the account on XX/XX/2023 The debit card was activated on XX/XX/2023 The account was frozen and closed without my consent on XX/XX/2023 I can not access my funds and was told it could take XXXX days for a check to be issued
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2021-01-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

on XX/XX/2020, i sent NCB MANAGEMENT SERVICE a letter asking for the validity of the alleged balance of XXXX that i do not owe.I haven't receive anything from them concerning this account.please assist me in this matter and i have attached a copy below
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (AZ)

I contacted Progressive Management Systems on XXXX XXXX XXXX XXXX. I spoke with XXXX. I explained to XXXX that I was trying to make a payment online and they had my account blocked from making a payment ( no explanation given as to why it was blocked ). XXXX stated I owed {$1400.00} as of XX/XX/year>. I advised her that I wanted to make a payment on the account. She asked if I had a credit card to make the full payment and I advised that I did not have a credit card to make the full amount and wanted to pay {$58.00}. She stated that she could not do just {$58.00} and began giving me options on what amount they would accept from me for payment. She offered me to make payments of {$250.00} per month, which I could not do. She then offered me to make payments of {$150.00} a month beginning XX/XX/year>, which I agreed to as she did not give me any other options to pay a lesser amount or to settle for a lesser amount. I made a payment of {$57.00} with my XXXX card. Leaving the balance of {$1300.00}. I asked her would she be reporting the payment made to the credit bureaus as it is impacting my credit and showing 30 days late, and she advised that they do not report to the credit bureaus. She advised that when they are contacted by the credit bureaus all they advise is if the account is settled or not and that it and it would remain on my credit. I asked her " how would that be accurate if I am paying, and you are not advising that the debt is being paid, which is going to show past due when in fact it is not in a past due status. She advised she could note the account to be removed from my credit report as long as it remained in good standing, and she would also note that no additional interest be tacked on as long as the payments of {$150.00} are made each month. She asked if I wanted to do auto pay and I advised her I didn't and would call in and make the payments. 

I want this account removed from my credit report with all bureaus as discussed. I did not receive any information on my right to dispute this debt or to settle for a lesser amount. The bill I received dated XX/XX/year> " Note see XXXX XXXX for Important Information '', there is a blank page with no additional information on the reverse side of the notification they sent me. I was advised the account would be removed as long as it stayed in good standing, the account is in good standing to date. She accepted my payment, and they are engaging in deceptive reporting by not reporting the correct balance owed for the debt and that the account is not past due. Additionally, I asked for an itemized statement of this debt several times to which I still have not received per my request. I have only received their collection notices. 

I have every intention to pay the debt, but I will continue to pursue this matter until the it has been removed from my credit report with all credit bureaus.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX  XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase Mortgage purchased 5 of my loans and started servicing them in approximately XXXX XXXX XXXX. I now have a total of 7 mortgages with Chase and have had nothing but problems with their accounting practices. 
My 2 main complaints : 1. They did not pay my insurance out of my escrow accounts on time and my Florida insurance policies got cancelled for non-payment. I had to apply for new insurance, where the cost went from {$1000.00} per year to {$6000.00} per year. They said it is possible the lender they purchased the loans from forgot to send them the details to make the payments. This is Chase 's responsibility to follow-up on. I had no idea they were not planning to pay the insurance. 
2. My escrow account was updated with a higher payment in XX/XX/XXXX. I am on paperless billing and did not get a notification my payment amount changed. Once I realized the amount had changed, I updated my online bill-pay to pay the new amount and called Chase immediately to get my accounts all current. After approximately 40 hours on the phone, we finally got it right in XXXX XXXX  At least we thought we did. Since XXXX, funds have been mis-applied to principle instead of to the required payment, generating late fees and issue I had to resolve monthly with Chase to back out the mis-applied payments. 

They then informed me I was confusing the system by sending payments 2 days before they were due, and I had to move my payments to after they were due, so the system would know what to do with them ( e.g., pay the XX/XX/XXXX payment on XX/XX/XXXX, rather than XX/XX/XXXX ). At this point, I have close to 80 hours on the phone with Chase. This seems to have resolved the issue on all except 1 account. 

I called today to get the last account fixed and they refused and said all payments have been applied correctly. I would absolutely love if they could have someone else service my loan. I have not had problems like this with a servicer not being able to do basic accounting since the XXXX with XXXX.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (LA)

People are so arrogant and so XXXX XXXX that you dont even realize none of those XXXX transactions were me. They were done recurring charges that Ive been fighting which Ive called you folks about. Secondly, would you guys froze my account I called you guys immediately and let you know this situation Was trying to transfer out of the folks folks which is a recorded call Im sure told me to send it to my XXXX account and I would be able to transfer it from there so thats why I did that so dont use the instructions that I was given from you guys as an excuses to why you lock my money up until 14 days later and now 14 days later, I tried to transfer the money out of the account into a different account and you guys locked it again today and I had to send my selfie along with my ID ID so you tell me why over and over and over again the same XXXX account that Im clearing is mine and sending proof of you guys keep blocking it every single time I try to send money out except where you tell me to send it to XXXX XXXX which is also owned by Venmo so I sent it to XXXX as instructed and then you guys flagged me for that saying oh you cant be doing that you guys are your XXXX mind I want my money out of my account and I want this account closed for good Ive use Venmo Free years years and Ive never had a problem. All of a sudden you guys are acting like XXXX XXXX and Im tired of it. I want my money unlocked and I want my account closed. You guys froze me up again today the same money, the same Ive been waiting for for XXXX XXXX weeks. I spent two nights sleeping in my car till a family member was able to send me money its XXXX XXXX you and your XXXX service ill stick with chime
Consumer complaint received 2023-12-23
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

To our surprise, Chase is being charging us 23.99 % on the credit card and when I called them, they claimed that they had told me this when I signed up for the card which is n't true because I recalled the guy telling me 13 %. Then they said they wanted to check the recording and came back to tell me they did n't said 13 %. when I said I was recording the call and they will provided it to the State Attorney General office, they suddenly left and came back to tell that they ca n't talk if I am recording.
Consumer complaint received 2024-01-10
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: JPMORGAN CHASE & CO. (NY)

I am writing to dispute a charge of {$1900.00}, {$190.00}, and {$170.00} to my credit card account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The charge is in error because the items were defective, and the services did not work correctly. Despite the initial charge being on XX/XX/XXXX, I was still undergoing treatment with XXXX, and I was supposed to receive more aligners to continue the treatment. The aligners to continue the treatment that I initially paid for on XX/XX/XXXXXXXX  did not arrive, and I am no longer receiving the services or receiving the items I paid for. I understand that some of the charges are from XXXX, but I was still undergoing the original treatment that I had paid for up until I stopped receiving the items and communication from XXXX. I am requesting that the charges related to the disputed amount be credited to my account. Enclosed are copies of all the communication I have had with the merchant related to my purchases supporting my position. I have also included a press release from the XXXX XXXX XXXX which goes into more detail of XXXX. I have also included a website page from the practice I will be receiving XXXX from, which costs {$3800.00}. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (OH)

XX/XX/XXXX I had XXXX credit cards accounts open with XXXX XXXX XXXX now know as XXXX XXXX. 

Cc # XXXX Milestone - after XXXX XXXX and XXXX XXXX refused to help to close the account. XXXX XXXX made payment arrangement to close account at {$280.00} with waived interest charges and a late fee. 

Cc # XXXX Indigo - After XXXX XXXX and XXXX XXXX denied me to close account but transferred me to Mgr. XXXX made payment arrangements to close account {$130.00} waived fees and interest. 

XXXX their policy I informed both CCs regarding why no confirmation was received for payment arrangements and the inaccurate statements received. ONLY received closed account letters. My consumer rights were violated when stating I wanted to record as well to XXXX XXXX, XXXX XXXX acted as if she didnt hear me ) transferred to XXXX. XXXX who threaten me XXXX for stating I was recording for my protection and he ended the call! 

XX/XX/XXXX - XXXX their policy I informed of the inaccurate statements.I was afraid to state I would like to record and Mgr. XXXX confirmed payment arrangements and will resend out letters for stating arrangements for closed accounts. 

XXXX XXXX only received closed account letters and no confirmation of payment arrangements. XXXX XXXX stated no notations on accounts. Transfer to XXXX XXXX XXXX XXXX to initiate proof of arrangements dispute investigation. I was told the discrepancy policy was for active accounts only. But I reiterated XXXX receiving statements and not the payment arrangement confirmations letters as promised. She said, She will request a statement from XX/XX/XXXX. When I made arrangements and closed accounts. I Never received anything! 

XXXX XXXX XXXX XXXX no notations or payment arrangements on accounts. Transferred to XXXX XXXX who threatened that the call will be listened to from XX/XX/XXXX regarding payment arrangements. XXXX Received a voicemail to call her back l few days after call. 

XX/XX/XXXX I returned the call and XXXX XXXX stated no other Notation from Supervisor XXXX but Accounts will be taken care less then 30 days which XXXX XXXX explain what it means and will request a call back from that supervisor. I was put on hold for another XXXX for XXXX but call ended. 

As of today XX/XX/XXXX No response from XXXX XXXX as requested
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX