davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ABSOLUTELY INFURIATED AT THIS POINT. I HAVE BEEN FAXING THIS INFORMATION FOR MONTHS AND I AM STILL GETTING THE RUNAROUND. I CALLED TODAY ( XXXX, 2024 ) for an up date. I was told yet again that I was missing information. Each time I call I get the run around over and over. 
I am very very put off that I now being asked for my drivers license. I NEED TO KNOW TO RESOLVE THIS ASAP. 
THE REPS EITHER TO DO SPEAK ENGLISH WELL, OR THATU DO NOT KNOW WHAT THEY ARE DOING. YOU HAVE MY GIFT CARD THAT WAS GIVEN TO ME BY MY CHILDREN YET BE XXXX  XXXX MADE AN ERROR MY MONEY IS BEING WITH HELD. NO ONE CAN CALL ME TO RESOLVE? This absolutely horrible and an obvious ploy to with hold funding from the XXXX and XXXX which I am both. Id like to have this resolved asap. Pls call if you missing anything aside from dumping this and waiting for a customer who has done everything asked yet this is no resolution or even an attempt resolve. ( contact ) XXXX IVE BEEN TRYING TO RESOLVE THIS FOR FOUR MONTHS
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23, I spent {$1500.00} on flight and hotel stay through a Chase travel promotional offer. The offer said Id receive XXXX additional bonus points, but the points were never deposited into my rewards balance. I called about five times and they kept saying it can take up to XXXX weeks to process. XXXX weeks has since passed and the points are still not showing up.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I received a phone call in XXXX of XXXX from a collection agency, trying to collect a debt. This debt was for a Credit card through Chase bank that had been opened without my knowledge or permission. I then proceeded to called Chase bank in an attempt to speak to someone in the fraud department. I made dozens of calls over the next period of time. Chase will not transfer you to their fraud department and instead will send a ticket for them to investigate. Below are the correspondence to follow. 

On XX/XX/XXXX I received a letter from Chase bank that I was responsible for a credit card account ending in XXXX after they deemed this non-fraudulent activity. I over the next XXXX  months continued to follow up with Chase bank about this issue as I did not open this credit line or buy anything with this account. After many contact attempts on XX/XX/XXXX I received a letter from Chase bank saying, " We closed this account to protect your information '' This letter said they would continue their research to determine if this account is valid or not and that I should personally reach out to the credit agencies to add fraud alert. The next letter to follow would be on XX/XX/XXXX saying I was still responsible for the {$920.00} dollar balance on said credit account. On this letter they offered me a " deal '' to pay in XXXX parts of XXXX dollars lowering my payoff balance to {$410.00} dollars in total. 

On XX/XX/XXXX, I was able to speak to a representative of Chase bank named XXXX XXXX XXXX XXXX. During this call I was able to determine that this account was opened on XX/XX/XXXX. The account was opened with an address XXXX XXXX XXXX XXXX ( I do have the full address if needed ) and a phone number that with a quick XXXX search is associated with several fraudulent XXXX accounts. I can provide this number. I have never received a statement for this account as I DO NOT live in XXXX XXXX XXXX. I live in XXXX XXXX and have for nearly XXXX  years. The Chase representative informed me that a {$700.00} dollar charge to XXXX account in XXXX was made with this account. With all of this information the Representative would not let me speak to anyone in the XXXX department and would not send me copies of the statements for this account. Once I said I would be filing a complaint with the CFPB the representative become fully unhelp and even combative. I have exhausted all the resources that I know of to have this handled properly.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I looked up my credit report and I see I have XXXX hard inquirys that I have never in my life sign up for XX/XX/year> somebody tried to get a Citibank, best buy credit card in my name and a XXXXXXXX XXXX XXXX in my name XX/XX/year> as well witch I have never made in my life somebody use my information to try to scam to get them cards and now I have to hard inquiry pulls .this is fraud I am trying to get these XXXX hard inquirys removed of my credit please.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (NY)

I never even knew I had an account with PNC Bank but they have been charging me $ XXXX without ever notifying me of their policy and their account minimum requirements. I never received any formal letter from them or communication. They stole money from me by charging these bogus fees even though they claim my account was under " Dormant '' status.
Consumer complaint received 2023-08-14
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: Resurgent Capital Services L.P. (AL)

Company is in violation of 15 USC 1692g ( b ).

Company never ceased with reporting to my consumer report after I disputed the debt.

Company is in violation of 15 USC 1681 ( g ) ( b ).

which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (IL)

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXXXXXX XXXX XXXX above Account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts.

( 6 ) Notice of results of reinvestigation ( A ) In general The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to this account : 1. A copy of the original credit application showing the terms of the agreement. 2. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 3.

Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern. 4. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 5. Copies of all documents sent to me regarding this account.

Also Heights Finance is listed under the Illinois Secretary of States website as Revoked since 1994 of XXXX please see attachment.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC (MN)

I called Dave.com to request that they update my payment history for their " XXXX XXXX '' from XX/XX/XXXX  to XXXX as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call XXXX to get it resolved. XXXX was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/XXXX  and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( XXXX ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely XXXX hour phone call with Dave.com I have nothing to help me.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

I received a letter from Transworld Systems Inc. reference number XXXX account XXXX for the amount of {$1400.00} that I do not owe. I asked to dispute the amount and to have the itemized bills sent to me so I can match up my payments made on this account.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

XXXX XXXX  is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
Consumer complaint received 2024-04-23
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. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2023-12-01
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. (PA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to file a formal complaint against Capital One concerning an unresolved balance transfer issue that has caused significant financial distress and inconvenience. Below, I provide a detailed account of the events leading up to this complaint. 

On XX/XX/2024, I initiated a balance transfer of {$700.00} from my XXXX XXXX XXXX XXXX credit card to my Capital One credit card, taking advantage of Capital Ones 12-month zero transfer balance offer. While the {$700.00} debt was promptly posted to my Capital One account within five days, the balance on my XXXX XXXX account remained unchanged. 

I contacted both Capital One and XXXX XXXX several times over the next few weeks. Initially, I was informed by Capital One that the transfer process might take up to two weeks. After three weeks passed with no change, I was advised to wait another week. Despite following these instructions, the balance on my XXXX XXXX account was still not adjusted. 

In early XXXX, I learned from Capital One that a check had allegedly been sent to XXXX XXXX at the address XXXX XXXX XXXX XXXX, XXXX, California, XXXX. XXXX XXXX, however, stated that they never received the check and could not investigate the matter without a copy of the check. 

Capital One representatives assured me they would send a copy of the check to my address so that I could provide it to XXXX XXXX for investigation. They promised the check copy would arrive within 10 to 15 business days. However, three weeks passed with no communication or delivery from Capital One. When I followed up, I was informed that the check had not yet been sent but would be sent immediately. The representative I spoke with was dismissive and ended the call abruptly. 

I have now been dealing with this issue for nearly two months. I am still required to make payments on my XXXX XXXX credit card for a debt that should have been transferred, and the ongoing delays and lack of communication from Capital One are causing significant financial strain and stress. 

I am requesting the CFPB 's assistance in resolving this matter. Specifically, I seek the following actions from Capital One : 1. **Immediate Investigation** : Conduct an urgent investigation to determine why the balance transfer has not been completed and why the check was not received by XXXX XXXX XXXX 
2. **Proof of Payment** : Provide a copy of the check or any proof of payment sent to XXXX XXXX as soon as possible. 
3. **Reimbursement and Compensation** : Reimburse me for any additional interest or fees incurred due to this delay and compensate for the inconvenience and financial hardship caused by their handling of this situation. 

I appreciate your attention to this urgent matter and look forward to your assistance in achieving a swift resolution.
Consumer complaint received 2023-12-20
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: DISCOVER BANK (PA)

I received multiple letters in the mail to my parents home from credit cards requesting more information to open an account in my name that I did not request. Looked into all credit reporting websites and found that there were many inquiries that have hit my credit report that I did not request - so fraudulent activity has been happening. The below companies are listed as inquiries to my credit that I DID NOT request. 

DISCOVER FINANCIAL SERVICES LLC XX/XX/2023 DISCOVER CARD XX/XX/2023 XXXX XXXX via XXXX XXXXXXXX XXXX  XX/XX/2023, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX via XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XX/XX/2023
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

Made a purchase on XXXX, there were a few issues and XXXX let me know they would be processing a full refund. Come a few days later I have not received any money back, so I went to chat with XXXX who gave me a refund confirmation ID, and told me that Cashapp was declining the refund. I contacted Cashapp who then said they have not received any refund for this order. XXXX then told me that it was declined 2 times, and that there must be an issue with the refund, and that I should dispute it through my bank for a full refund. I submit XXXX screenshots to Cashapp of these correspondences with XXXX XXXX me refunds were processed, they are having issues refunding, and that I should go through my bank and they will not challenge it so I can get my money back that way. From what should be a simple dispute, with irrefutable evidence provided to Cashapp of XXXX inability to process the refund, Cashapp denies the dispute and responds with " the transaction was processed in accordance with the payment information received and no error occurred. ". Clearly whoever checked the dispute was not even looking at the reasoning being " Missing refund '' and simply saw that it was indeed me who made the purchase. This needs to be fixed or I will also make a post via the XXXX XXXX XXXX  exposing this shady business practice and complete nonsense from the employees.
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I asked this company to verify this debt pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX there should be no other names or addresses on my consumer report.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit 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: CITIBANK, N.A. (CT)

I bought a pair of XXXX sunglasses for the price of XXXX from Macys on XX/XX/2023 and I returned them on XX/XX/2023. I have the return receipt but the refund never posted to my Macys credit card. It has been 11 months since Ive been dealing with this matter. I have spoke to many people in the customer representative department and I have contacted there executive department. I have been told there is no record of my return transaction.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX