davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

After attempting to resolve disputes with merchants several disputes were in fact misconducted. I have contacted Dispute billingdisputes and reviewed the below cases providing proof and review on how the disputes were not handled correctly causing thedisputes to be mishandled. Below is a summary of the XXXX disputes that were mishandled. XXXX. CASE XXXX XXXX XXXX XXXXAmount {$200.00}. The fact I was charged 2x for this transaction has been neglected. No Merchant response as well as the letter sent. XXXX XXXX XXXX XXXX {$110.00}. The wrong shoe was returned to XXXX and no credit was issued. This case was not processed as a return was shipped back and mishandled. XXXX XXXX record provided and no response from merchant. XXXX. XXXX XXXX XXXX {$350.00}. This merchant did not render the service. After several emails merchant responded with " the money has been charged back from there account '' Discover reversed the merchant charge back to me. The merchant has not responded for several months. XXXX. CASE XXXX XXXX XXXX XXXX XXXX. This merchant did not complete the assessment prior to pre operation causing to have another pre operation scheduled. In addition there were scheduling and financial issues causing credit reporting and negative score as a result. This merchant charge is not valid since they did not to there job properly. XXXX. CASE XXXX XXXX XXXX XXXX {$97.00} This merchant failed to disclose additional charges prior to rendering service. Merchants 3rd party response is not valid since the specific issue has been neglected. 

As you can see from the facts these cases were not assessed and handled accordingly.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was a XXXX data breach and recently they were sued by the CFPB. I went to the company website and verified if i was affected by this XXXX XXXX and i was.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

My Chase Sapphire Reserve credit card has been on good standing for more than 6 years. Chase abruptly closed my account while I'm traveling outside of the US ( they sent a paper mail to my address that I do not have access to at the time ) and offered no recourse to reopen my account by a rude and unprofessional customer service representative on the phone, with the only reason given being suspected money laundering activity.
Consumer complaint received 2024-06-18
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: WESTERN ALLIANCE BANCORPORATION (FL)

the company Western Alliance Bank offered loan suspension because of a hurricane Then Western Alliance offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
Western alliance said I would not have negative reporting and this included during the modification process. 
Western Alliance called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

Western Alliance Bank is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to Western Alliance.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX  at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased. 

Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits. 

Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live. 

Thank you for your prompt action in addressing these concerns. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-11
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. (GA)

I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and transunion told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (FL)

We initiated with Chase Bank on XX/XX/XXXX for {$140000.00}. It included PMI insurance. The mortgage stated that the PMI would " automatically be removed once the loan amount reached 78 % of the original value of the property ''. This was not done by Chase in XXXXXXXX XXXX XXXXXXXX when the loan balance fell to {$100000.00}. It was not removed until XX/XX/XXXX we I contacted Chase. Chase continued to collect {$120.00} for 66 additional months.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I have been having issues ever since payments resumed for me in XX/XX/2024. I paid my loans, fortunately printed my loan details but then they reapplied the payments in a backwards method - the total principal was the same but the principal per loan was incorrect. Fortunately before they migrated platforms I printed loan details. 
Total principal XX/XX/2024 {$11000.00} Total now after a payment was sent XX/XX/2024 {$11000.00} How did my principal go up by {$83.00}?? 
I am also missing a payment or refund of $ ( XXXX ). In the past when I made an overpayment the overpayment was applied to the next loan, in this case it was listed as a credit to the loan. I want them to fix my loans and not charge interest as they have once again messed up my student loans.
Consumer complaint received 2024-06-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I purchased {$62.00} worth of merchandise for which I never received a statement. Two months later, I got an email saying that my payment was late. I immediately called and made a payment of {$37.00}. The rep said that it went thru and I got an email confirming that the payment was being processed. And that the late fee of {$30.00} would be reversed. 
XXXX comes, I go on line and scheduled a payment of {$37.00} that would cover the balance and interest. 
Little I knew that both of my payments were rejected. I contacted my bank trying to figure it out since Comenity Bank kept saying that they didn't know why. My bank confirmed that the problem was on their side. Nevertheless, I made a payment of {$80.00} and they took the payment to cover the late fees, so the initial amount due remained open. From then on, I have been charged over {$300.00} in late fees. They charge late bee on top of late fee. I have called them many times but they don't care. In fact, I just talked to them and they threaten me with more late fees until I pay what they want. They used the {$80.00} payment to cover late fees so they can keep charging me. 
Right now they have charged me over {$300.00} only in late fees. And they will continue.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Kickoff Lending LLC the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has 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 an account without my written instructions.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (FL)

i paid off my chase auto loan early and payment processed on XX/XX/XXXX. today is the XXXX and they refuse to notify the state of florida that it is paid off. i have called them 4 times, and every time they tell me a different lie than the previous call. i can't sell the car without a clear title. today they told me they would do it on the XXXX!! 2 calls ago they told me it had been done already!
Consumer complaint received 2024-07-10
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. (NJ)

I have a Chase Sapphire Preferred XXXX credit card. My husband is an authorized user on the account. The card terms allow for the transfer of rewards points to XXXX XXXX XXXX ( airlines, hotel groups etc. ). I encountered a problem when attempting to transfer points from the card account to a XXXX XXXX XXXX. After multiple exchanges with Chase I was told I would be unable to transfer points to the XXXX XXXX  account of the authorized user even though this is an option advertised by Chase and this option appears on the transfer webpage. As I understand it, Chase has coded their system to only accept last names up to a certain number of characters. My husband, the authorized user, has a last name that exceeds the number of characters that Chase has programmed into the XXXX XXXX Therefore we are unable to avail ourselves of this benefit although we were at no point prior to this incident told that his last name would be a problem and he has been making purchases with the card as an authorized user. His full legal last name as it appears on all official documents is the name we provided. I do not think Chase 's conduct complies with the terms and conditions of the cardholder agreement and it arbitrarily excludes certain users from accessing cardholder benefits based on the length of their legal last name.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I don't recall having a contractual relationship with this collection company I.C. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (NC)

Wakefield and Associates repeatedly calls my number for XXXX XXXX. I do not owe any debts and have asked them 5 different times to stop calling my number to no avail. This harassment needs to cease and desist immediately
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

I bought a TV at PC Richard & Son on XX/XX/24, put it on store credit account to pay off monthly without interest charges, serviced by Synchrony Bank. After first billing arrived from Synchrony Bank, I returned to store on XX/XX/24 and paid in full using a XXXX XXXX XXXX. I received Synchrony Bank 's letter of XX/XX/24 on XX/XX/24 notifying me ( in an enclosed stock letter for mass mailing ) that effective XX/XX/24 the APR will be raised to 34.99 % and penalties will be at 39.99 % I wrote them a letter on XX/XX/24 telling them that their interest rates are usurious in NYS and that any future purchases I make at P.C. Richard & Son will not be using any credit services serviced by Synchrony Bank.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (NY)

I am aware of you using my credit file with Extortionate intentions to coerce And swindle me into paying violating 18 USC 894 and any employee handling This account can be held accountable for up to 20 years in XXXX  and fined {$5000.00} I refuse to pay this alleged debt per 15 USC 1692c ( c )! As a Consumer I am not obligated to pay this alleged debt. Statements and contract Are not evidence of indebtedness. See XXXX concrete XXXX XXXX XXXX! I Will report your company to the cfpb in which they have fined debt collectors For using coercive intentions against a consumer! Secondly the language in the letter sent to me by Chase Card Services dated XX/XX/XXXX   threatened to send the account to a law firm is abusive, oppressive and harassment the following conduct is a violation of 15 U.S. Code 1692d Chase Card Services may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt also The advertisement for sale of any debtto coerce payment of thedebt is a violation of 15 U.S. Code 1692d ( 4 ) also in the letter sent by Chase Card Services is advertising the sale of the alleged debt. Lastly The Letter sent by Chase Card Services have a logo on the communication and is a violation of 15 U.S. Code 1692f ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in thedebtcollection business.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX 2023 I apply online at XXXX XXXX Florida XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX FL. XXXX, to obtain extension of my own credit on a XXXX  XXXX XXXX XXXX with Last XXXX XXXX # XXXX with MSRP of {$28000.00}. The dealer run my credit with XXXX Credit Report, where company Ally Financial got a copy of my credit report and I was denied for credit. No one from dealership give me papers or answer of why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from the dealer or Ally Financial had contact me. I had attached evidence that my credit was pulled by Ally Financial with XXXX credit report.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has 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 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