davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I disputed XXXX unauthorized charges to Chase Bank. They opened a dispute yesterday and within 24 hours closed the case and said there were discrepancies with my dispute and felt they no longer needed to investigate further. I never received any correspondence until I called. I did not receive my provisional credit of {$1600.00}, I asked to speak to a supervisor and was left on hold for almost an hour. I went to the local bank and was told they have nothing to do with their fraud department and could not help me. The merchant is called XXXX. It is an online casino. I spend a great deal of money on their site and make many purchases daily but never more than $ XXXX at a time. The charges on my account are {$740.00}, {$390.00}, {$250.00}, {$99.00} and {$99.00}. I am a single mother with XXXX XXXX  children. I can not afford to lose this amount is money it is literally a mortgage payment over an overseas company illegally charging my card with no repercussions.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXX. On XX/XX/2023, I paid a {$1000.00} deposit for the purchase of a 2023 XXXX XXXX. 
XXXX. On XX/XX/2023, XXXX Honda ( XXXX XXXX XXXX ) obtained my credit report with my consent. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report without my consent ; why was the initial credit report obtained not used? 
XXXX. On XX/XX/2023, the vehicle is available for pick up. I completed financial paperwork. At that time, I purchased XXXX insurance ( plus more ) and signed a document that the vehicle is being surrendered in full. At handoff, I noticed that the purchased options were not present. The vehicle was not delivered in full as documented. 
XXXX. On XX/XX/2023, I was notified by XXXX Honda that I MUST recontract due to XXXX insurance being offered in error. I met with XXXX? Finance XXXX and XXXX Representative who advised that I can not keep the XXXX insurance that was sold to me and that I can either recontract with them once XXXX is removed or I can find another entity to refinance me and probably not at the same rate. They also offered to provide me with a check for the equity in my vehicle and acknowledges that my monthly payment will increase. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report again without my consent. 
XXXX. Upon review of all related documents, I became aware that XXXX Honda and American Honda Financial Corp contracted the vehicle for a cash price of {$430.00} more than the market value selling price agreed at time of deposit. 
XXXX. XX/XX/2023. CFPB complaint filed. No payment information received from American Honda Financial or XXXX Honda as of this date. Estimated first payment is XXXX 2023.
Consumer complaint received 2023-11-26
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my report.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (SC)

On about XX/XX/year>, I took advantage of a balance transfer promotion by Citi where the transfer would be interest free for 18 months ( I believe that is the term ). I incurred a transfer fee of {$180.00} which I paid to bring my balance back down to the original transfer amount of {$6000.00}. I was then enticed to make purchased, as I would get 2 % back ( 1 % for purchase and 1 % for payment ) plus another incentive for making purchases in the first 3 months. I did make purchases. I paid them off in full- as my current balance is below the original {$6000.00} interest free amount- it is currently at {$5700.00}. Citi is saying because I used the card for other purchases, even though my balance is below the original interest free amount, I will now be charged interest on the entire amount outstanding - currently at {$5700.00}. This is unfair, deceptive and an abusive practice against a senior citizen ( over XXXX )! They get a fee for {$180.00} to make the transfer, entice me to make purchases, and even though my balance is below the original {$6000.00}, I get charged interest on the whole amount? I want Citi fined, I want to be compensated for this abusive practice, and I want Citi to honor the original offer of having this {$6000.00} balance interest free for the original period.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I am on a payment plan to repay my cc balance with Chase, I informed the bank I want to pre pay the remaining balance early and do not have a payment link to pre pay. They have not replied to my messages to pre pay the cc balance. 
JPMCB CARD XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it?

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-08-31
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WV)

I signed up for a new Home Depot card was told if I spent {$1000.00} they would give me {$100.00} off. I created an order and their promo code worked. I called back to edit the order because I did not want their extended service contract and was told by member of their team they couldnt edit the order that I would need to cancel the order and re-order. I asked if the promo code would still work and they told me yes, so I did what I was told to do and attempted to re-order it and use my new promo code for my new credit card to purchase the same washer and dryer for the XXXX dollars to receive my XXXX dollars off. When I got to check out the promo code no longer worked. I attempted to call the credit services department and was hung up on multiple times finally got some manager and they refused to do anything about it and told me that the code was only for one time use sorry if I was given wrong information and they wouldnt do anything. So I signed up For a new credit card had a credit inquiry now I have a new line of credit for something I will never use because I will not purchase from them because I only did it to receive the XXXX dollars off they will not give me or honor, even though theyre the ones who made the error.
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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 2024-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NV)

American Express was Paid In FULL before the due date ( XXXX XX/XX/2024 ) when the Bill was paid in Full in late XX/XX/2024. 

However, I got a Statement in the mail from American Express about me owing them " Back Interest '' Charges which does not make sense when the Bill has been Paid in FULL to Include their High Interest Rate Charge on the Card by the XXXX of Each Month.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have 3 accounts that does not belong to me. XXXX XXXX XXXXXXXX # XXXX, XXXX and XXXX XXXX XXXXXXXX. I have submitted these accounts to Transunion with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with XXXX I submitted to them as well asking to provided proof of ownership I receive nothing.
Consumer complaint received 2017-05-07
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. (NJ)

The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). O ver 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balanc e (  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.   The  Creditor Ag encies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

Copy B of IRS Form 1099-C Cancellation of Debt filing was sent to me by your company ( copy attached ). Please update the account ( account XXXX XXXXXXXX ) to reflect that the account has been paid in full. Also, update all credit reporting agencies of accounts being paid in full. Thank you!

Failure to Act will be reported to IRS as well as other governing bodies.
Consumer complaint received 2024-03-29
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. (FL)

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX XXXX Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX XXXX  violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (CA)

And Experian continues to notify me that they have verified the account that I disputed as accurate. 
That account being XXXX XXXX XXXX Acc. # ending in XXXX. 
This account is in accurate and unverifiable, and I am once again requesting that Experian send me some type of documentation verifying this account or explaining the verification process, and how they actually verified the account.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (PA)

Hello, I reach out to Chime regarding all these ATM fees. When I signed up for an account with chime. One of the reasons was a fee free checking account. ATM fee free. I never noticed the fee until a few weeks ago. I wasn't looking closely enough because the stated they are fee free. Moving forward I reached out to a chat agent with a very detailed list. I will provide below. 
Hi Chime XXXX XXXX - I noticed several fees on my Chime account that I would like to ask for a refund on. I have been a loyal customer of Chime and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$42.00} from my transactions below? 


Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Out-of-Network ATM Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Cash Withdrawal Fee - XX/XX/XXXX - {$2.00} Thanks a ton, XXXX After sending that. the agent told me she was sorry, but she can not help me and issue a refund because these fees are pass 30 days. So, I told the agent, well that not fair, they shouldn't be that's false advertising. She just said I'm sorry I can't help you.