davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

On XX/XX/2023 I submitted a dispute to trans systems, who's trying to collect on a collection debt, that doesn't belong to me and and the debt i.was unaware of this debt until it appeared on my report, i was never given the opportunity to assess or dispute this before it was added and is reporting on my credit file, it has been over 45 days for them to work on my compalint, and they haven't removed this erroneous debt, I thought it was supposed to be 15 days!! Per consumer law 15 USC code 1692 g-validation of debt if you can not prove you notified me of this debt prior to adding this it needs to be REMOVED AS IT IS A VIOLATION OF MY CONSUMER RIGHTS.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On Tuesday XX/XX/24 XXXX cruise had 2 pending charges ( one for {$75.00}, and another for {$5.00} ) on my debit card/checking account that I did not know were coming and it overdrew my account. I called chase and disputed them same day but told them in that call there was nothing wrong ( card and my personal items werent stolen, all the other charges I recognized. ) So I told them I do not want them to close the card or anything of the like. The representative I spoke with said he understood as I made the claim. On Friday XX/XX/24 I get notice from my XXXX wallet that my card can no longer be used. However I did not receive a call, email, or text from chase to notify me this was going to happen. I called chase same day late afternoon and there were apparently no notes as to why my card was closed nor had a new card been mailed out with overnight shipping to me. After about XXXX  hours from start to finish and being transferred about XXXX times I was told that the reason for fraudulent activity by the chase fraudulent hotline department. I only have the one debit card to use my checking so I was without anyway to access my funds. I was severely inconvenienced by chase banks extremely incompetent, inconsiderate, and very poorly communicated ( both internally as there we no notes as to why it was closed and externally as I was in no way contacted or notified by them that my card was going to be or had been closed, and by extension I was not given the opportunity to reply to it before it was closed ) handling of this situation. And I believe their behavior was unethical and in bad faith.
Consumer complaint received 2017-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone continues to fraudulently attempt to sign up for financial accounts using my details. XXXX and XXXX have been responsive. Transunion ignores my requests to fix or verify the situation. 

Adding insult to injury, they continue to harbor typographical errors to which I have requested deletion ( XXXX vs XXXX ), which continue to harm me by invalidating automated credit and identity checks. They also claim that very old addresses have been validated as current. In summary, Transunion is a piece of XXXX. They refused to accept any complaints from consumers, instead referring me to the financial institutions who pulled my credit. Kudos to XXXX and XXXX for actually responding to my complaints.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a chase savings account as a new savings account customer on XX/XX/year> through a link that was texted to me from my mom. In the link was a {$200.00} bonus offer for new customers that transferred {$15000.00} of new money into their new savings account ( after 3 months, keeping the minimum balance of XXXX ). I followed all steps exactly as instructed on their website. During the process, there was a message fixed at the top of the application website saying your offer is being applied. My account was opened successfully and I transferred XXXX from a different bank account from a completely separate institution from chase, within the time frame posted on the offer. 

Come 3+ months later, I realized that I have not received the {$200.00}. I called Chase and requested for the status of the bonus, and their answer was that they didnt see any promotion code applied to my savings account. I let them know that their website doesnt ask for a code. The rep told me that they will escalate it to some other department and that I would be contacted in XXXX business days and this was more than a week ago. I have not heard back from them since. 

Their bonus offer website still doesnt ask for any code when I try to open a new account. I see the same your offer is being applied message at the top and thats it. I see many people online thats been through the same exact situation. I believe Chase is deliberately doing this, seeing how they have not fixed anything on the website after so many months. If this isnt a scam, I dont know what is. I also have a video support for my claim, but its over 10mb so I cant attach here but if Chase wants more supporting document, I can provide it.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, Today, I was informed by XXXX that XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX was abused by a person through dark web. 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ca First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX  XXXX I do not know this person and I have been in U.S.A. since last XXXX and they stole our information in XXXX. 

I do not know who they are and I have no business connections with them. 

In this respect, I do not know how they received my company 's information and how such theft was fixed through digital world. 

I am 100 % shareholder of XXXX XXXX XXXX XXXX, XXXX and our XXXX number ends up with XXXX. 

XXXX is our XXXX and I was terrified when I was informed by XXXX regarding this theft and misuse of our company information. 

In this respect, I am afraid of the fact that someone would want to apply for credit/loan or credit cards through using our information. 

In this regard, I kindly ask you to do the needful and take action against such abusers that would like to misuse our company information. 

I kindly ask you to do the needful to protect my trade, banking facility and investment. 

Such bad reputation and unwanted occasions would influence our business reputation. 

Your kind proceedings would be highly appreciated. 

Kind regards, XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. XXXX now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : Capital One Account Number XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

XXXX XXXX XXXX Report  involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors 1 through 4 ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because Experian is listed only as my year of birth
Consumer complaint received 2024-05-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

I've made multiple attempts to add my XXXX XXXX checking account for payments through XXXX XXXX, but encountered persistent issues. Despite reaching out via their online platform numerous times, I was consistently redirected to call customer service. Despite my efforts in contacting them multiple times, I never received any notification regarding the issue. It wasn't until XX/XX/2024, that I was informed they do not accept XXXX XXXX XXXX accounts, which happens to be my primary payment method. Upon reviewing the terms & agreements, I found no mention of this policy. Consequently, XXXX XXXX fails to adequately inform customers of this restriction, neglects to provide clear policy guidelines, and omits this crucial information from the terms & conditions. 

Furthermore, XXXX XXXX does not offer alternative payment methods that would enable customers to make timely payments. As someone reliant solely on Social Security Disability Insurance, which is not disbursed in time for mail-in payments, I am left with no viable option to fulfill my obligations on time. 

Please find attach documents including the last statement and Terms & Conditions where XXXX XXXX FAILED to provide any information stating that XXXX XXXX XXXX is not allowed. Please find a photographic error message when received when attempted add this account. Please note no where on any of these documents state that XXXX XXXX XXXX account is not accepted by XXXX XXXX, thus customers like myself are not properly informed to make financial decisions. 

Also note that this situation exacerbates my XXXX  XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

I got a Phone call from someone claimed to be a collection agency trying to forced me to pay a debt. I told her that I didn't recognized the debt she was referring to and I need her to send me a letter of validation and I never received it. Now they sent my name to collection and I want it removed due to not following protocol and not giving me an opportunity to either dispute or pay. Also requesting a disciplinary action against this company for violating my rights.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

I MADE 3 DEPOSITS TO MY ACCOUNT TOTALING {$2300.00} WHICH HAS BEEN ON HOD SINCE XXXX.PNC BANK PUT THE FUNDS ON HOLD ON THAT DAY AND HAVE NOT RELEASED THEM, THEN PNC BANK TOLD ME THAT THEY ARE WAITING FOR THEN CHECKS TO NOT CLEAR AND THEN THEY WILL SEND BACK THE FUNDS AND CLOSE THE ACCOUNT. THEY SAID, PNC BANK, THAT THE MAKER OF THE CHECKS SAID THAT THE CHECKS WERE MEANT FOR SOMEONE ELSE NOT ME. I WORK IN THE XXXX XXXX SO IF THE GUY SAID THAT IT WOULD BE BECAUSE THEY DONT WANT THEIR XXXX TO KNOW ABOUT THE EXTRA ACTIVITIES. AND I AM SUPPOSE TO KEEP THINGS PRIVATE. I HAVE SPOKEN TO THE MAKERS OF THE CHECKS AND THEY ARE VERY ANGER AND TALKING ABOUT THAT I HAVE VIOLATED THE TERMS FOR THE CONTRACT THAT I SET UP, AND SUING ME IF THERE XXXX FIND OUT.I HAVE NEVE RHEARD OF A BANK CALLING EVERY CHECK DEPOSIT MADE INTO AN ACCOUNT I THINK THAT THIS IS DISCRIMANITION ON THERE HALF.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and XXXX XXXX, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and XXXX XXXX have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and XXXX XXXX be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (HI)

I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX  this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Good afternoon, I see myself filling another complain with Chase. I disputed the charges on my account made XX/XX/2024. I received a chase fraud notification on my phone but unfortunately I was at work and didnt see it until later on. I am not content with the answer that chase provided me with. I ask for chase to reach out to me regarding this issue. When I realized the charges on my account I immediately called chase and submitted a claim over the phone with a representative not online using their self service as they claim I did. I request a transcript of that call because not once did I state that I had the card in my possession. Two of the reason that chase is giving are based off me having the card in my possession which I didnt not have. I dont understand how my own bank does not trust me and would think I would lie. If this issue can not be resolved I request to close my account as I no longer want to be part of a bank that wont trust me when something so horrible like this has happened.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I bought a bedroom set from XXXX 's XXXX XXXX XXXX XXXX for {$4500.00} with store credit offered by Synchrony Bank. I made on-time payments for 2 years over the minimum balance bringing my balance down to approximately {$2500.00}, then found out this XXXX that I now owe them over {$6000.00}. I called their customer service multiple times and have been told it was due to a promotional rate expiring which was never directly communicated to me via email or direct mail. I feel Synchrony Bank was surreptitious in doubling my debt and not notifying me well enough so I could take action or seek any reprieve on the interest rate. 
I just got off a phone call with them and they informed me that I would have to pay {$1500.00} to waive interest payment of about the same amount, while still owing them {$2500.00}. I feel wronged and unfairly treated. when I purchased the furniture and was told it would be interest-free for 24 months, I expected that after 24 months interest would start applying to my account, and not that 24 months ' worth of accumulated interest payments would suddenly be added to my account and I would be required to pay the bulk amount as a lump sum payment. 
In essence their plan would have me in debt for several more years and this practice is wrong.
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (KY)

I was charged {$160.00} by EnerBank USA even though I did not authorize the payment. The payment was authorized by the co-signee on the account who is not authorized to use my bank account, to which enerbank did not call me to ask wether the co-signee was authorized to use my account and pushed the payment through anyways.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTE
N INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (PA)

I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

The bank confirmed the consumer 's total card credit limit of {$5000.00} and authorized a legitimate purchase of {$1100.00} within available limits on XX/XX/XXXX, well within the available credit. Despite this, the charge was denied three times, breaching the agreement. 

Citibank has restricted use of the card on 3 separate occasions for several days at a time. 

Bank has misrepresented services of card and restricted card indefinitely causing disruption, confusion, and distress for consumer.