davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

I have been saving and working very hard for a trip of a lifetime to XXXX. 

I was ready to book my flight through Chase 's website in order to use my XXXX points ( estimated value of {$3300.00} ) I earned through many years of membership with Chase Sapphire Reserve. 

The flight I needed was not available through the website, so I called the customer service center for guidance. I was told by the customer service representative I could either transfer the points over to XXXX and apply the credit that way OR purchase the flight and charge the full amount on my Chase credit card and then Chase would apply the value of the points ( {$3300.00} ) toward my bill. I specifically asked her if there was a downfall with either option, such as a decrease in value or a fee, and she said no. I asked her, given her experience, what method she would recommend, and she recommended transferring the points over to XXXX as this was the easiest and fastest way with no downside. I agreed to her recommendation and trusted her advice. The transfer was done instantaneously. 

I immediately went on to XXXX to book my flight to find out the value of the points was half of what Chase offered, {$1600.00}. I again, immediately called Chase back and was transferred to a supervisor. It was acknowledged I was given the wrong information but that there was nothing that could be done. A " customer experience feedback '' would be filled out ; however there, no formal complaint or investigation would be done. 

In a span of 10 minutes, I was given the wrong information by a Chase customer service employee, which led to a personal loss but Chase 's financial gain of {$1600.00}. I am devastated and disheartened by this experience. I worked so hard and so long for this lifetime trip to be blown over. I turned to Chase for the information as they are the source ; how many more people have they lied to in order to save money? Where is the accountability from Chase for this dishonest practice?
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (VA)

I received a statement from BMO for an account I did not open. I immediately called them ( XX/XX/XXXX ) and asked them to closed the account. They assured me all accounts would be closed. On XX/XX/2024, I received another statement. I called again and they would not tell me if the account was open or closed or any other information about the account.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (IL)

I activated the XXXX XXXX XXXX XXXX XXXX cash back bonus deal on XXXX  and purchased {$90.00} in merchandise from XXXX that posted XXXX However, my account shows that it was not earned.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zions Debt Holdings (IN)

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Zions Debt 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 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
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I made a {$3000.00} cash deposit at XXXX on XX/XX/XXXX at the atm machine XXXX. The atm machine malfunctioned and then I received a receipt for the transaction which did not note the amount of the transaction and said " A machine error has occurred, and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number of the back of your card ''. 

I did contact US Bank and filed a dispute. However, the funds are not available and now my account is severely overdrawn and the bank has not credited my account for either the deposit OR overdraft fees leaving me in a serious financial situation. 

The branch manager at that location said there was nothing he could do which I've now found out is not true. I need this resolved immediately and not wait 10-45 business days like the bank is telling me. I deposited cash, not a check. The atm accounting for XX/XX/XXXX needs to occur and one should be able to clearly see me count out the money in front of the camera as that is XXXX when i deposit. Additionally, my banking pattern clearly shows that every other Friday I make a large ( $ XXXX $ XXXX ) deposit at a US Bank ATM . 

US Bank has completely stonewalled and has made zero progress and on my follow up calls they just say there is nothing they can do to expedite which is completely unacceptable and unfair to me the consumer. This is 100 % US Bank 's issue and not mine so I shouldn't be the one penalized. 

I am requesting that my account be credited for not only the {$3000.00} deposit I made, but clear ALL overdraft fees incurred in the months of XX/XX/XXXX and XX/XX/XXXX as a result. 

It is unfair and unjust to penalize the consumer for the bank 's mechanical failures on their ATM at one of their branches.
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Self Lender Inc (CA)

This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (IL)

I am writing to complain to XACTUS-CP/XXXX XXXX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A collection agency has put derogatory information on my credit report. 

I have never had credit with this agency, how is it they are allowed to make a derogatory mark on there? 

In addition, the creditor they are representing never reported me to the bureaus when I was current, how is it they can do it now when I am behind? 

This is false and misleading. It does not give a true picture of my credit history with this company. They are using this as a tool to get paid, plain and simple. 

If the positive has never been reported, how can the negative be reported?
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-14
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. (CO)

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. 
XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, and XXXX XXXX, XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
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. (CA)

Date of Incident : XXXX XXXX XXXX  Description of the Incident : On XXXX XXXX XXXX, I received a text from Chase Bank regarding a declined transaction of {$500.00} at XXXX  XXXX XXXX XXXX charged to my credit card. Responding that the transaction was unauthorized, Chase Bank closed my card and issued a new one. 

Upon reviewing my bank account, I noticed a pending {$500.00} transaction to the same merchant, XXXX XXXX XXXX XXXX. It was later discovered that there were two attempts of {$500.00} transactions, with only one being declined. Believing this to be a case of identity theft, I reported the situation to Chase Bank. I mentioned a recent incident where my wallet was temporarily lost but returned with all cards intact, raising the possibility of information theft. 

Chase initially reimbursed the {$500.00}, but approximately one and a half months later, the charge was reposted to my account. Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization proof. This evidence was accepted without verifying the current validity of my ID or investigating how my ID was obtained by the merchant.

Additional Concerns : Inadequate Verification of Fraudulent Activity : The bank accepted the merchant 's proof without cross-referencing it with my current identification or considering the possibility of identity theft. 

Questioning of Lack of Police Report : Despite not having concrete evidence to file a police report at the time of the wallet incident, Chase representatives repeatedly questioned why I had not made one. This line of questioning disregards the complexity of identity theft situations where evidence is not always immediately apparent. 

Potential Internal Security Breach : Ironically, the last known instance of my ID being copied was at a Chase Bank branch. This raises concerns about internal security and the handling of personal information. 

Inconsistent and Incomplete Investigation : In a conversation with a Chase representative, after several attempts to reach a U.S.-based agent, the representative inquired about additional transactions not reflected in my statement. The representative offered to send me this information, but I never received it. This incomplete and inconsistent handling of the investigation further demonstrates the bank 's inadequate response to the situation. 

Lack of Support in Fraud Resolution : Despite my efforts to dispute the charge and provide context, the bank has not adequately investigated or resolved the issue, leading to financial loss and concern for my identity security.
Consumer complaint received 2024-01-06
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: Atlanticus Services Corporation (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I paid CCS the remaining amount due in a debt with XXXX. I sent them the cashiers check for XXXX on XXXX and they cashed it and emailed me saying they received it and the account is closed on XX/XX/15. The memo of the check stated that this check was for the payment and deletion of the account. CCS received and cashed the check but failed to delete the account. I called them and they said they were unable to delete it even though they agreed to the terms in the memo and cashed it.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (KY)

American Express and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/2023, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, XXXX as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (OH)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit, Inc (CA)

Audi rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. Audi rep assured me payment processed. Payment made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per Audi that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. Audi rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was Audi rep failure to listen to customer and the facts. I feel I did due diligence in communicating with Audi, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc (TX)

About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called XXXX. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a January Technologies from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from XXXX although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to XXXX in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. XXXX has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have an HPSL loan ( a federal student loan with the U.S. Department of Health and Human Services ) that is serviced by Heartland ECSI for New York University. I got an email from Heartland ECSI in XX/XX/XXXX that my first payment is due on XX/XX/XXXX. However, there are already late fees in my bill. I am not sure why there are late fees when it has not passed XX/XX/XXXX yet.