davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

They received a {$970.00} check in my account that was closed which was from social security I have talked to representative after representative after representative and they told me that a check was supposed to be sent to me in a cashier 's check for {$970.00} it is my social security check I have not received no check whatsoever and I'm repeatedly being told that I have to wait XXXX business days for the receive the check now it's been over 10 days so they canceled the check and reassured me another check still no check then they canceled it again and sent me another check no check whatsoever I am fed up with it I have repeatedly told them I will be taking further actions against them and I am in the process of contacting social security to let them know what's going on and I am fed up I am angry I've been treated unfairly and on top of it I'm pretty sure the bank is racially profiling me which is a big ordeal I have never done anything wrong to anybody and I'm getting profiled I'm getting disrespected on top of getting discriminated against
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (OH)

I applied for a credit card ( Navy Federal Flagship card ) and a personal loan for {$50000.00} on XXXX and I was denied. I utilized the message center requesting that my application be retracted to me since I'm being denied credit. I was told they're unable to do so. No matter the reason for my denial I have the right to credit as a consumer. Withholding my access to my securities is considered security fraud. I then called in XXXX  XXXX requesting an official adverse action on my denial and I was told they're unable to give me one. They sent me a statement of denial in the mail but it doesn't meet the requirements of an adverse action under 15 USC 1681m.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX Credit application was submitted to AMERICAN EXPRESS An Adverse Action letter which is against the law according to Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k.

Furthermore, because my social security number ( credit card ) was used and I received no benefit this is proof of fraudulent activity ( unauthorized use of credit card ) an behalf American Express Credit application Reference number : XXXX
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio set collection company keeps calling and sending me letters. The XXXX XXXX debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least 6 calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (MI)

XX/XX/2024 at XXXX I received an email from Affirm saying a loan of XXXX  has been approved on my account. I didnt apply for this loan. So within XXXX minutes of the email I called Affirm. They said there isnt much they can do about it and that Im responsible for payments. They said they froze my account, which they did not do. I was charged in that same moment while I was on the phone with them charges for, used amount XXXX, pending amount of XXXX, and unused amount of XXXX. I called Affirm XXXX  times trying to figure out the problem and no one would help me. They told me to file a police report but Im still responsible for the payments. Payments that I did not make on a loan I did not apply for.
Consumer complaint received 2023-11-21
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: AMERICAN EXPRESS COMPANY (GA)

Had a company raise the monthly fee without notice. No letter, no email, no phone call. I cancelled immediatly and they refused to give me the prorated. The space was supposed to be climate controlled yet no matter how much I brought it up, it was consitently over XXXX degrees with XXXX humidty. Opened up a dispute after they were making it difficult to get it fixed. XXXX, after months of being closed magically reopened with documention from the merchant that were out right lies. Claiming they were late fees without proof of such. Claiming they tried to contact me which they never did. I sent them proof of the payment should be. A chat log saying I should receive a refund in 48 hours.It should be a cut and dry case. Yet american express is a scam, and they exist only to waste your time and not protect the user.
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (TX)

The debt collector called me on XX/XX/23 and said this was a " financial matter '' I told him I was not interested and hung up the phone. He called me again on XX/XX/23 and said this was a financial matter. I said I was not interested in buying anything. He said he wasn't selling anything and he worked for XXXX and wanted to collect on a debt I owed. I explained that I know you are a third-party debt collection agency and you don't actually work for XXXX, and besides, the debt I allegedly owed was already handled by my insurance company. He did not give any disclaimers that this call was an attempt to collect a debt. He misrepresented himself as working for XXXX when in fact he works for a XXXX party collection.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MECHANICS BANK (CA)

on XX/XX/XXXX  my card information was leaked and i had about {$2600.00} taken out and all the items were purchased in my city and at places ive never shopped at before so i decided to make a dispute and after about 2 weeks i got a letter saying there was no error and that i authorized the transactions so they denied my dispute and i have no idea what to do thats not a just a little bit of money to lose
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Securus J Holdings, LLC (CA)

I wasnt sure how to enter this prepaid Stamps from XXXX. 

They said the prison system stopped using them and that they emailed a notification that we had XXXX days to request a refund. 

However, I told them I never received such an email and asked them to forward that to me. They refused and said that if I wasnt active they wouldnt have sent me one. 

I told them I was active until it stopped working in XXXX. I thought it was an app issue. 

They kept my {$18.00}. Who knows how many others monies they kept. I would like to make a formal complaint and help in retrieving my money back. 

I did XXXX the company to see if this happened to other people and found info on a lawsuit against them. Would that lawsuit include me? Please help. 

The people working there were extremely rude and hung up on me and said they would not be refunding me. I never received mail or an email regarding this nor will they provide proof of it either
Consumer complaint received 2023-09-12
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and 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
Consumer complaint received 2017-05-05
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: Certified Credit Reporting, Inc. (KS)

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). On   XX/XX/XXXX  be cause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all  XXXX  credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX   and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There w as no explanation on how or why my credit was pulled this time either. I had n't even been into  XXXX   XXXX  office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed  My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX  and on  XX/XX/XXXX  w ithout authorization or consent.     2.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX . B oth without authorization or consent.     3.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on     XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.     4.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX  Without authorization or consent.       5.  Certified Credit rpdt  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted  on  XX/XX/XXXX . Both without authorization or consent.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (TN)

I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been working to correct my credit report for over 6 months now. Transunion is missing the records to my XXXX XXXX credit card ( my one and only credit card and oldest form of credit ). Transunion has repeatedly told me that XXXX XXXX needs to send them the information. XXXX XXXX has confirmed that they've sent the information on many occasions. Transunion has no record of anything still. After around XXXX calls with both companies I am in the same spot. Both companies blame the other and say that there is nothing I can do until XXXX XXXX sends the correct info and Transunion updates my file. I'm certain that XXXX XXXX has sent the information as I've been working with a case manager for months. Transunion has provided little to no help, will not assign a case XXXX, and has provided wrong/misleading information numerous times. Nobody is accountable there. This error is having a large impact on my life. I have no faith that this issue will be resolved. It's already been 6 months. I'm being told it will eventually be fixed if XXXX XXXX continuously resends the information. I have no idea if this is accurate or if I'll be in the same place another 6 months from now. Transunion is the only credit bureau missing my information.
Consumer complaint received 2023-11-21
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)

XXXX XXXX. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2023-11-27
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. (NC)

Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} *XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

From my commercial XXXX XXXX XXXXXXXX account, I used Zelle services to send my rent check of {$2600.00} to the property management company. They never received it. I called Zelle from XXXX XXXX XXXXXXXX office and requested information. They responded weeks later saying this claim was too old and they would not open a case. I sent a certified letter to the address listed on their letter head and said, 'I did not ask to file a claim and wanted information '. No response from Zelle.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

I opened an estate account on behalf of my mother as I am her XXXX. On XX/XX/XXXX I deposited a Wells Fargo check in to this new account at Wells Fargo for {$40000.00}. I asked the teller when these funds would be available, I was told tomorrow and given a receipt that showed the date the funds would be available as XX/XX/XXXX. Based on that information I returned to the bank the next day XX/XX/XXXX and transferred {$12000.00} in to my personal checking account and wrote several checks. 
On Sunday XX/XX/XXXX I received an email from Wells Fargo stating I had a negative balance. On Tuesday XX/XX/XXXX, 5 days after I made the deposit I received an email from Wells Fargo that my deposit was put on hold due to the amount being over {$5000.00}. 
They new the amount was over {$5000.00} when I deposited it. 
I am now at risk of overdraft fees, have possible bounced checks and I had to transfer {$10000.00} from my XXXX XXXX  account to try to avoid this. 
This is not how a bank should operate. I have called several times to discuss and they can not help me or take my funds off hold until their system decides it.
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (NC)

I was living at XXXX XXXX XXXX XXXX and gave notice I was moving out. I applied for and was awarded 3 months of rental assistance due to COVID-19 relief funds. I paid my first payment and was told they would not cash my second check because they needed a written letter from the state of Florida stating I could use the funds for my end of lease charges. That they required written consent to use the funds for anything other than rent charges. I don't believe this is a rule as Our Florida and COVID-19 just started the relief program. I advised the only thing I had was a number to call and I did twice, and two times they advised I could use the funds for any charges on my account with XXXX  at XXXX XXXX. I advised the property manager this and she would still not take the check already addressed to the apartment complex. I attempted to contact corporate who did nothing. I attempted payment again and it was sent back to me. I attempted until the check expired. The property manager was being very uncooperative and knew there was no one who would write a letter stating the check was valid. She also would not contact anyone on her or my behalf to verify either. She knew exactly what she was doing.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX - XXXX
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Capital one Travel rewards booked me a room in NY on Friday XX/XX/XXXX to the XXXX at the XXXX in XXXX. When our family arrived in XXXX to check in the doors were locked and the hotel was closed. After hours on hold I was informed that the reservation was cancelled ( not by me ) unfortunately this took another few hours for them to confirm. There response XXXX at customer line, Im sorry there is nothing we can do. After more time and countless attempts to speak with someone who could rectify I was informed that is is capital ones policy that it could take up to 15 days to get a manager. They let me know that it was cancelled by their third party vendor XXXX XXXX! Neither of which Capital one or XXXX informed us the customer. They blatantly lied and informed me the sent email, which was never done. Leaving my family stranded in XXXX without a room on busy leaf season. They refused to help or return calls with a resolution except its not our fault. We missed scheduled events and the inconvenience was aggravating. So not only did we not receive what we thought would be a nice get away in a quality hotel. We had to come out of pocket, additional expense, time, aggravation and plenty of frustration! Companies should not be allowed to operate in this manner, leave their customers with out any kind of compassion when they are 100 % in the wrong. They should be ashamed of this, especially when it could have been easily rectified by allowing me to speak with someone who actually cared and could fix immediately by reimbursing me for a room I did not want but needed because Capital one created the problem in the first place.