davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IA)

XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I am writing to complain about the horrendous treatment I have received from Chase bank regarding a credit card that I attempted to close last year.

I disputed 2 XXXX purchases with Chase. One of them occurred on XX/XX/XXXX, for {$100.00}. I purchased 2 boxes, each containing 15 bags of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX Bags. These chips were old, they were of poor quality, and they caused me to have stomach pain after I finished one of the bags. I attempted to get a refund for these chips, but XXXX refused to give me my money back, because they said that I needed to provide them with a doctors note in order to prove that I had stomach problems from eating the chips. The other transaction occurred on XX/XX/XXXX, for {$100.00}. I purchased 7 different jars of XXXX from a brand called XXXX. These jars of XXXX were the absolute worst rip-off Ive ever experienced from XXXX. Each one was supposed to be a different flavor and a different color and texture, but they were all the same, they were all of terrible quality, and they all had terrible taste. Again, XXXX refused to refund me for this purchase. I tried to dispute both transactions with Chase, but they found in favor of XXXX. Since Chase had refused to refund me for these 2 purchases, I decided to close my Chase credit card account ending in XXXX. Before closing my account, however ; I decided to pay off the remaining balance on XX/XX/XXXX, minus these two purchases ( which totaled {$200.00} ). The payment I made was for {$760.00}, leaving me with a balance of {$200.00}. Since XX/XX/XXXX, this account has been accruing a massive amount of interest charges and late fees, and the balance has now reached a whopping {$560.00}. It also appears that there was a transaction made by XXXX on XX/XX/XXXX for {$28.00} on this account, that I closed in XXXX of last year. Somehow, there are still purchases being made on a card that was closed almost a year ago, and both XXXX and Chase are doing nothing to stop this. Chase has been harassing me almost every single weekday with phone calls asking me to pay off the balance. I decided today XX/XX/XXXX to call them and see if they would be willing to make things right with me, but they are again refusing to refund me the money for these purchases, and they are still demanding that I pay the late fees and interest charges that total {$350.00}, which is absolute thievery. I asked the person on the phone in the disputes department to connect me with a supervisor, and after a long 20-minute hold, they just hung up. Ive never seen a credit card company try to steal this much money from a person, and Chase in particular has shown XXXX regard for my satisfaction as a customer. This is unacceptable from Chase bank. I will not pay them this amount, which is unfair and disgusting in my opinion.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ray Klein, Inc. (FL)

XXXX XXXX XXXX IS NOT LICENSED TO REPORT OR COLLECT DEBT IN FLORIDA AS I CHECKED ON THE XXXX XXXX XXXX  WEBSITE. THEY ARE ILLEGALLY POSTING ON MY CREDIT REPORT!!!!
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Experian until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects XXXX  outstanding bills for one or more dates of service. We are not a debt buyer. The services received were XXXX  services and per the XXXX records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which XXXX provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at XXXX. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-21
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. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} 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 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

As of XX/XX/XXXX, 2022XXXX XXXX2022 my bank account balance was {$62000.00}. Due to an illegal transaction through online purchases about {$60000.00} withdrawals was made with out my authorization. Chase Bank failed to stop all the huge online transactions. When I found out that a lot of money was withdrawn from my account I was shocked and discussed with bank tellers and managers at two different branches and no one was willing to find out and refund my money. I deposited my money at the bank to protect my myself and my family, not to defrauded or scammed by any illegal transactions.
Consumer complaint received 2022-12-21
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. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (PA)

Having issue with UNAUTHORIZED TRANSACTIONS The ReliaCard is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. 2021 U.S. Bank. Member FDIC. 

XXXX XXXX XXXX XXXX family ( Beneficiary ) WITHOUT PREJUDICE UCC 1-308, I.e, all Natural inalienable Rights Reserved Please address all future correspondence in the matter to a direct Human Self, namely XXXX of XXXX XXXX XXXX XXXX as commonly called. 
I recently noticed noticed that this account has so many unauthorized deductions/ transfer 's fraudulentlv using my funds to pay past bills. I'm Demanding that account be back in the positive or I will have to seek litigation for civil remedies. 
ELECTRONIC FUND TRANSFER ACT The Electronic Fund Transfer Act ( EFTA ) ( XXXX XXXX XXXX et seq. ) of XXXX is intended to protect
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

Received a letter in the mail from CHASE stating that I had applied for a business card account when in fact I did not. Letter was sent on XX/XX/2022. Did not contact company yet, but did report to XXXX about the issue.
Consumer complaint received 2023-06-16
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at 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 XXXX XXXX XXXX XXXX XXXX XXXX As it states in accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the XXXX Credit Bureaus to correct these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2017-07-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Worldwide Processing Group, LLC (NV)

I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (MI)

This account was opened in XXXX of XXXX  and was delinquent in XX/XX/2016. I paid the past due balance to XXXX prior to the company going out of business. My credit report shows I owe {$1600.00} when I do not owe them anything. Additionally, this has been on my credit for more than 7 years.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Consumer complaint received 2021-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

A letter was received on XX/XX/2021 by Transworld Systems Inc. requesting validation of debt. They responded with medical records, a DIRECT violation of HIPPA regulations. These documents had procedures and/or medications received. I NEVER signed a HIPPA form authorizing access to any such medical records.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX, I had a jpmorgan account at chase, and I had to pay off a balance of XXXX. Which I paid it off in year of XXXX. So the manager that was filling in for another manager checked and said I paid it in XX/XX/XXXX, and he called and they alouded me to be added on to my moms account. Also when I went in to open the college account a banker said it wo n't let me because there was a balance of XXXX I had to pay again, after I paid it in XX/XX/XXXX.  The banker called the 1-800 number and one of the ladies said, I will be able to open and use an account in my name once I pay that balance again. So then, I opened a college account in my name and had the card they sent me for my moms account linked to my college account. Basically removing myself off my moms account, which they broke their rule of chase, " the owner of the account has to be present when removing another person from the account the two have to sign paper work so that you can be removed '' so my mom is in XXXX  and I 'm in XXXX. After they changed me to my college account a couple days later it said account was suspended. So they took my money twice and canceled my account. I have receipts from when I paid it on XX/XX/XXXX