davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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: JPMORGAN CHASE & CO. (VA)

I signed up for the Chase United Airlines Business Credit card through Chase.com. The chase website stated that upon approval, i would receive XXXX united miles after spending XXXX  $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of XXXX  $ within the first 3 months. I have opened a case, and escalated it to the appropriate department. I provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the XXXX  $ spend amount. The website also stated an expiration date of the promotion of a month after I applied. After 4 weeks, was told that the offer is still XXXX points after XXXX  $ and there is nothing they can do about it. There is no other department that can look into this, and that i have no further recourse through chase bank. 

My wife, who also applied for the card at the same time is also in the same situation as me. She has been waiting to hear back about the status of my complaint, before making her own complaint. Obviously, there is no points in opening a second claim through chase, so she will be included in the complaint i make to you. Her card is a separate card under her name with a separate application. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchases a vehicle on XX/XX/XXXX with hyundai motors finance. I canceled a vehicle service contract XXXX extra warranty ) on XX/XX/XXXX. The dealership sent a check to this company on XX/XX/XXXX and the check was cashed by hyundai motors on XX/XX/XXXX. The check was made out to them with my name and last 8 digits of my Vin number. Hyundai motors finance applied the check to someone else 's account, how this happened who knows. I've been calling this company regarding this refund since XXXX and they kept telling me that they hadn't received the payment yet. I called the dealership XXXX XXXX XXXX XXXX to find out when the check was sent and when it was cashed. On XX/XX/XXXX they finally found the payment went to some other persons account so after sending 2 months of emails to their payment processing team the payment was found and then took them 4 more weeks to reverse the payment and apply it to my account. The account was paid off in XX/XX/XXXX and I have still not to receive my refund from this company. They still have my check pending and no one has taken the time to even have the payment sent out to me given that it has been 90 days already since this whole situation occurred.
Consumer complaint received 2015-08-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.
Consumer complaint received 2021-04-23
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. (NC)

I have disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

Transferwise closed my account in XX/XX/XXXX without giving a reason and has not returned my money. I appealed their decision and the appeal was denied. There is approximately XXXX and approximately XXXX in the account and they said that this would be returned within 60 days. It has not. 

I contacted them in XXXX, XXXX, well after the 60 day period had elapsed, and was told that the return of the funds had been delayed 'indefintiely '. 

As of XX/XX/XXXX I still have not received the money. 

I have attached a previous account statement to provide you with details necessary to identify me and the account. Please note the currency amounts listed are not current. 

Thank you
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES (CA)

I've been divorced from my ex wife for 13 years now and have XXXX daughters with her. My ex wife husband adopted my kids so i no longer have any rights or guardianship with them. I agreed and signed adoption papers i want to say at least 7 years now. I recently checked my credit report and my ex wife used my information to be billed for a sleep wake company for our daughter without my consent. I am now in collections to pay {$92.00} dollars for the first accout opened in XXXX and {$1000.00} on the second accout opened in XXXX. I am not responsible for anything that pertains to my children with her because of the adoption and having no legal rights to make decisions on there behalf nor i consent to. My credit have been drastically affected by this debt. Ive been having trouble getting approved or open any accounts that i wish because of one of these debts. I would like to take legal action because its put an effect on my life and credit. I hope im writing to the right department and i can get some help about this situation. Thank you.
Consumer complaint received 2021-04-23
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: CITIBANK, N.A. (AZ)

On XX/XX/2020, a reservation was made with XXXX XXXX XXXX XXXX XXXX for {$700.00} XXXX showed up on my statement as being charged TWO times ( duplicate charge ). I disputed as a duplicate charge, and I received a credit. 

On XX/XX/2020, a representative from the resort called to advise the resort would not be open during my travel dates due to COVID. I could request new dates of travel or receive a refund. I requested a refund. XXXX advised it would take up to 30 days. 

30 plus days later, I contacted XXXX and they claim them refunded me in XXXX. I explained the duplicate charge was returned, the original charge needs to be refunded. XXXX and Citi are both refusing to refund me. 

The credit card statement on XX/XX/2020, clearly reflects two charges for XXXX XXXX XXXX XXXX XXXX in the amount of {$700.00} XXXX submitted documents reflecting the credit for one charge which was the duplicate charge. 

Citi has told me there is nothing further they can do for me as XXXX will no longer respond to them. 

I would like my {$700.00} returned to me.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I ( a natural person ) was issued a false debt that was sent to me through mail. I contested with Commonwealth Financial Systems INC and they sent me a letter which I have uploaded alongside this complaint with false " validations '' of said " debt '' and they even went as far as to state on this letter that they are indeed " the purchaser of an account '' that is allegedly mine. Why would I pay a debt that is not mine? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Consumer complaint received 2022-02-01
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I place an order for XXXX items XXXX of items was not received and contacted XXXX. They are refusing to credit the items that was received
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2022-10-31
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2021-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2020 I purchased two tickets for a live show called XXXX XXXX for XXXX from a ticket resale company called XXXX XXXX. The show was originally planned for XX/XX/2020 but was postponed due to COVID. The show has been indefinitely postponed since XX/XX/2020. I have been contacting the ticket resale company for over a year now trying to get money back or any help at all and they said the show was rescheduled for XX/XX/2099. It is their policy that customer may not be refunded unless the show is cancelled. Obviously I will be dead by XXXX which means they are attempting to hold my payment indefinitely without providing the service that I paid for. I have contacted my Capital One multiple times throughout the period that the show has been " postponed '' and they are unwilling or unable to help as well. Apparently when I filed a dispute they claimed they sent me a letter requesting documents to support my case. I never received the letter ( I have paperless statements and correspondence enabled either way, so just email me? ). I didnt respond to the letter because I never received it and the multiple reps I spoke to from capital  one  claim that they upheld their end of the agreement and so I am fully liable to try and get my money back from XXXX XXXX. I try to look them up to go to the office because its near impossible to get a human on the line, and find they are based in XXXX. XXXX that XXXX XXXX is actually a group of Englishmen scalping tickets to houstonians and ripping off customers who want to see a show. I am really just trying to either see the show or get a refund at this point. The theater company has had my payment of {$280.00} since XXXX of XXXX  which is over a year and XXXX live in XXXX still has a TBD date showing on the website and a date of XXXX on the telephone.
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Harvard Collections, LLC (AZ)

I have worked very diligently on correcting my credit report after having XXXX surgeries, and being hospitalized for over 4 months. I am proud that I was able to pay off all of my medical bills, and have finally gotten my credit score to the point where I can now qualify for my first home. However, I received a notification from XXXX XXXX last week, that my credit score had changed. I was hoping that it had increased due to the most recently paid medical bills. However, to my horror, my credit score had decreased by XXXX points. When I searched for the change, I found out that I am being held responsible for a debt that does not belong to me. 

I was married in XXXX in XXXX, and moved to XXXX in XXXX with my now deceased husband. However, after several years of marriage, he and I separated, and I moved to XXXX  in XXXX with my XXXX minor daughters. My ex-husband died in XXXX after moving to XXXX  with little or no contact at all. Apparently, this is a debt that he owed to the XXXX  Department of Human Services. My ex-husband has been deceased for over 2 years, and has never resided in my home that I share with my XXXX  daughters, and XXXX year old granddaughter. My XXXX year old daughter collects survivors benefits from Social Security, however, prior to his death, he never provided for her financially. How could Harvard collection agency just assume that I owe this debt without any contact at all? I have not received any letters or any correspondence form this agency at all. They did not allow me notification to properly dispute. They just simply reported this as over 120 days past due as of XX/XX/XXXX. This has already negatively effected my credit scores, and could possibly effect my qualification as a first time home owner. If this was to happen, it could cause even more financial hardship for me and my children.
Consumer complaint received 2021-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Saturday XX/XX/XXXX I received a text message from my bank that my checking account account was negative over XXXX XXXX dollars due to multiple mortgage payments debited by XXXX XXXX. My loan is current and I have never been late and I am set up with auto payment. I tried calling all day but their phone lines were not taking calls and it wasnt until XXXX in the afternoon did I see a social media post about the error and later that afternoon my account was credited back. The amount of stress this caused for the day was unacceptable, and I understand mistakes happen but to not notify anyone all day is unacceptable. I didnt get an email from XXXX XXXX until XXXX at night.
Consumer complaint received 2016-10-18
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. 

Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!
Consumer complaint received 2023-06-29
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. (FL)

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}
Consumer complaint received 2021-04-26
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. (AZ)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.