davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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: JPMORGAN CHASE & CO. (NH)

I booked a XXXX XXXX ticket from XXXX to XXXX on XX/XX/XXXX using Chase ultimate rewards points for my husband. Travel date was XX/XX/XXXX and the points used were XXXX. 
Flight # XXXX. The flight was cancelled on XX/XX/XXXX while waiting to board the flight at the airport. XXXXXXXX XXXX  confirmed cancelling the ticket at the airport and refunding the amount. They also provided receipt. See attached below. I reached out to Chase Ultimate Rewards team 4-6 times and they confirmed they'd refund the points in XXXX billing cycles. It's been way more than that but I never received the points. Around XXXX call, they confirmed they've received refund from XXXX XXXX and I shall receive my points in the next billing cycle. They also promised an additional XXXX points as a compensation for all the trouble and inconvenience. 
After that call, I have not yet received the booking points XXXX points + addition XXXX points until today. I called them again, but nothing yet.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TN)

A couple of issues : when I make a payment, those payments take up to three days to show up as pending on my account. I have made payments and then gone back to look to see if they are there only to not see the payment I made. Twice now I have made an extra payment because of this issue. 

Aidvantage will not pick up my calls in a timely manner. I call at exactly XXXX XXXX  and I am still on hold for XXXX mins to speak to a rep. 

Aidvantage will give me an error saying try this payment later after I hit submit. Well, those payments go through and I end up paying Aidvantage extra money due to their website issues. I am currently XXXX business days into a wait for my refund. This is all unacceptable.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

This is follow-up to complaint # XXXX. 

Thanks to Citi they sent me the bank statement for the last 6 months. The issue is that the bank statement only shows the total amount was put on hold and returned. It does not detail the amount of each transaction was returned and to who so I can followup and claim my money The bank didnt specify what transaction were returned to XXXX. Only {$11000.00} were deposit from XXXX But there should be XXXX left. I need detailed summary of all returned transactions
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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 2022-10-25
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. (NV)

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by Experian someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with I.R.S. Employer Identification Number XXXX and XXXX and Equifax are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX pursuit of happiness. XXXX, XXXX and Equifax are reporting that XXXX account XXXX XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, since XXXX bank of america closed my debit card, they keeping telling me is frozen, i was figthing w/o income im paying renting, phone bill, buy food, i have my daugther to feed, until now edd told me again my acount and verification identinty is gualified funds is ready to use or withdraw and active my card, i call bank of america i got 6pcs a costomer service i spoked to 1 get fix my problem, they get me all info everytime i call edd they asking me everytime identity need to sumbit, of course i sent to them but still until XXXX i reopen me edd acount is alredys fix thank gad!!! But bank america they dont wann active my edd debit please help me im so scarde mybe they used my information why i dont get my money? Happy holiday!!
Consumer complaint received 2023-11-06
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. (NY)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Law Office of Harris & Zide (WY)

In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL 5 Collection accounts on my XXXX credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all five of these are considered " unpaid, closed collection accounts '', I have the right to have these five accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These five accounts are REMOVED, not " Closed '', from my XXXX, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all five accounts 3 ) That XXXX  instructs [ their law firm ] " The Law Office of Harris and Zide '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the Law Office of Harris and Zide sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2023-08-09
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. (GA)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. 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 correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit Reporting act, this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-10-26
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

The accounts listed are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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.
Consumer complaint received 2022-10-26
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Dave Operating, LLC (MA)

I was checking my XXXX credit report, when I came across an unauthorized line of credit on my report, I remember going on the website, to check and see if I would qualify, though I never authorized this company to preform a hard inquiry on my credit report. 

Dave/XXXX XXXX Date of inquiry : XX/XX/
Consumer complaint received 2024-04-27
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: CITIBANK, N.A. (CA)

I got a small game from plays station though XXXX, it was a third party vendor, I bought it in XX/XX/XXXX it was delivered XX/XX/XXXX, I returned in XXXX XXXX XXXX, CA, in customer service XX/XX/XXXX at morning and nationwide distributor got it in XX/XX/XXXX, I didn't received my money back to my card and I email to XXXX about the refund and they said the box was broken, I asked for the video camera because it was perfect when I retuned it, I stared a dispute with citi bank because it was a citi credit card in XX/XX/XXXX and they just closed it XXXX XXXX with the disputed denied, I tried to talk to XXXX again and They continued with We going to give your refund, it's been almost 2 months and I don't have anything, I don't have my money back, I don't have the game, nobody want to help me, I'm thinking about to going to the police
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/2022 my vehicle was broken into. An individual had stolen my debit card, license, license to carry card, multiple items and belongings, including any credentials that obtain to me and my well being. On the same day of XX/XX/XXXX I had found out my debit card was fraudently used in a quick manner and the individual ( whom I don't know or have never met ) spent over XXXX $ at multiple stores and local businesses. On the same day I reported the fraudent charges to my bank immediately and before a day had even passed. I also filed multiple police reports at different police stations near and in my town. I told the bank I never gave my pin to a friend, family member, nor a stranger. I also told santander bank that I never wrote down my pin anywhere. Although I obtained footage of the fraudster using my card at a local mart and provided the bank with 3 police reports, my claim was denied. The fraudster was also caught and arrested and my cards were recovered. Although the bank knew of this, they did not complete a thorough investigation. They denied my claim within 5 business days and never reached out to me once for any additional evidence that I had. I was also denied a provisional credit. They completely closed my claim. I have been banking with then for years, and I'm deeply hurt and disgusted. I would like to request help in obtaining my funds back.
Consumer complaint received 2018-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have contacted CapitalOne several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my CapitalOne record or reported to all three agencies.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues. 

I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore. 

We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line  statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX. 

In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance. 

I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX   dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.

I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (MN)

On XX/XX/ I was trying to get into my albert app account to close out my accounts since they decided they are now going to charge everyone XXXX per month for there albert genius program. Upon logging in the prompted me to " upgrade to there genius program. I did not want to join but was forced to. Now they will not let me cancel that subscription nor will they let me close my account they have also been unresponsive as of right now.
Consumer complaint received 2022-10-25
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-25
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MO)

A collection company called SOURCE RECEIVABLES MANAGEMENT furnished a tradeline on my consumer report. I was not notified regarding this debt, I was not given any disclosures, and I was not given the opportunity to dispute the alleged debt. This company is in violation of the Fair Debt Collection Practices Act 15 USC1692c. No chain of assignment, insurance regarding the debt is unknown, don't know rather this debt was reviewed by an attorney, and there is no paper trail regarding this alleged debt.