davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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: CITIBANK, N.A. (PA)

On XX/XX/2023, I paid {$5300.00} for two XXXX air conditioning condensers ( model XXXX XXXXXXXX ) using a CitiCard. At the time of the purchase I made arrangements with my installer, a regular customer of the AC seller, to pick up the units from the seller. 

After my installer went AWOL without having picked up the units from the seller, I called the seller to cancel the order and the seller agreed that they would not now release the units to the installer because the order was cancelled. However, the seller would not give me a refund ; bizarrely, the seller now claimed that the company policy was not to deal with the purchaser ( and only deal with the installer ). The seller advised me to seek redress by contacting Citi card to have the transaction voided, and my card credited. 

I made a formal request to Citi to credit my account for the merchandise that I did not receive but paid for. And I made sure to advise Citi that the merchandise still resided with the seller, as I confirmed with the seller over the phone and by email on XXXX XXXX. 

Citi responded by asking for a sales invoice as proof of purchase and/or confirmation of the lack-of-delivery/entitlement-to-a-refund. I explained to Citi that because I made a phone order, there WAS no invoice. I reminded Citi also I had indeed confirmed ( by the email that I had already shared with Citis investigator ) that the seller agreed to void the sale and hold onto the merchandise. I recommended that their investigator should simply call the seller to confirm : 1 ) that I used the Citicard for the purchase ; 2 ) that the order was canceled and ; 3 ) that my installer never picked up the units that I purchased. 

Bottom line : the seller held onto my purchase. I paid {$5300.00} that was never refunded and Citi failed in its duty sufficiently to investigate the claim on my behalf, looking to me as cardholder essentially to perform their investigation for them. Citi failed to credit my account by simply recovering the funds from the seller, AS THE SELLERS AGENT RECOMMENDED AS A SOLUTION. 

I am not now attaching documentation, since Citi has already collected that material and has it in its file.
Consumer complaint received 2022-11-21
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. (NY)

I am frustrated to see Transunion stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Transunion to please remove the accounts from my file : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2023-07-01
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. (SC)

I have contacted both experian and XXXX XXXXXXXX XXXX XXXX  but it seems that XXXX XXXX XXXX XXXX  has reported it correctly as it's reported correctly on XXXX and XXXX but getting the information on everything they're reporting hasn't been sent to me yet after a few conversations over the last week. But Experian has been told this at least XXXX or XXXX times over the phone and digitally plus a certified letter to no avail. The loan I had should have been reported as a installment loan by law because of the type of loan. This process has been going on since around the beginning of XX/XX/2023 and it's XX/XX/2023. So almost XXXX months.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a rental property located on XXXX XXXX in XXXX. Chase holds the mortgage on that property. Each month, the management company deposits funds for the mortgage payment into my personal account and then Chase automatically debits my account for the monthly payment. 

Yesterday ( XX/XX/XXXX ), Chase notified me that this personal account was overdrawn. This was because there were insufficient funds to cover the mortgage payment. 

However, the cause of the overdrawn account was because CHASE FAILED TO CREDIT THE PAYMENT MY MANAGEMENT COMPANY MADE to my account before the automatic withdrawal occurred. 

On XX/XX/XXXX, my management payment issued check number XXXX into my personal account. Chase had XXXX days to post the payment to my account before the automatic payment occurred, but they failed to do so. That check has STILL not cleared the bank as of today. The management company then went to the time and expense to reissue the check via wire transfer on the same day we became aware of the overdrawn account. 

Coincidentally, I recently made a different complaint to the COFB about the same problem- ie Chase regularly not posting payments made by a different management company of ours in relation to a different property. THIS PROBLEM APPEARS TO BE A SYSTEMATIC ISSUE WITHIN CHASE BANK AND NEEDS INVESTIGATION.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

My tax return was accepted by the IRS in XXXX, and they direct deposited a {$760.00} return sometime in XXXX, but Chase Bank will not credit the amount to my checkinh account. I have tried to file a dispute as an error but they refuse to open the dispute.
Consumer complaint received 2022-11-21
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. (DE)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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 2023-05-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

today i went to cash a XXXX  money order at wellfargo and they refused to cash it even doe it says payable through wells fargo on the money order the money order is 100 legitimate. so why did they not honor it, me.? you guys do nothing for idenity theft victims. when they ran ny name it flaged the transactions. you guys know dang well what your doing. how can you fight system wide discremination?? laugh it up because the meek shall inherit the earth. the last shall be first so laugh it up while u can because you know ur time is short.. hope the breif pierod of excess and debauchery ur enjoying now is worth it when you lose the love of the 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 2022-11-21
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. (DE)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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 2022-11-21
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. (GA)

This is my several 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 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 XXXXXX/XX/2022.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

They put a permanent freeze on my account. Ive reached out multiple times and Ive been told that after balance was paid in full they would remove any restrictions on the account and they refuse to remove them even though I did pay the account in full. I feel like I was bait and switched being told to pay off my balance so I could use the card again and I paid the balance down to XXXX and now theyre stating the account is permanently restricted.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Glasser and Glasser, PLC (OK)

I received a letter from Glasser and Glasser law firm stating they are retained by XXXX to collect a debt of {$7600.00} on an account that I have never owned at any time ending in XXXX. They said it is XXXX and XXXX Customer Service has no record of that in my name or of hiring this law firm. I believe it is either a scam or a fraud of identity theft. Please help me get rid of this.I have a Federal Trade Commission Report Reference # XXXX on XX/XX/2017.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}
Consumer complaint received 2023-02-28
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX  ( Original Creditor : XXXX AT XXXX ) XXXX XXXX : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$660.00} ; Medical ( Original Creditor : ) XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted disputes with Experian and today I reached for an update but the representative that I spoke with was only able to locate one of the multiple documents that I submitted to support my dispute. I submitted my documentation by both postal mail and via the portal of Experian 's website so there should be no reason why all but one page of my documents are conveniently missing. The representative was also unable to confirm with me, where in the investigation process, the dispute is currently at. 

*Inaccurate address *Information is being reported differently across all three agencies *Accounts reporting as open, that should be closed *Balances, Activity Dates, & Payment *Dates are all being reported differently and are also being updated each month to re-age the account
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I the consumer and Natural Person/Original Creditor was denied the extension of my credit after I gave them my social security number and received no benefits which is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ). they are in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 ( k ). They are subject to Criminally liability for violating 15 USC 1691 as I have proof that I was Discriminated against due to the response I received. They also violated 15 USC 1611 which is public knowledge Criminal liability for willfully and Knowingly give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued there under. They are criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Accelerated Receivables Management, Inc. (FL)

I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full.
Consumer complaint received 2023-05-11
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. (GA)

I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each report?
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

XXXX and XXXX is attempting to collect a debt from me on behalf of JP Morgan Chase. However I am a creditor in XXXX and JP Morgan Chase is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques (CA)

Hunt and Henriques is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. However I am a creditor in XXXX and XXXX XXXX XXXX is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Accelerated Receivables Management, Inc. (CA)

On XXXX/XXXX/XXXX I received a letter from Accelerated Receivables Management, Inc ( ARM ) attempting to collect {$3900.00} resulting from routine XXXX performed in XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX XXXX of NC XXXX XXXX XXXX, XXXX never filed a claim for this work, but since I was covered, they would pay should they receive a claim. I have explained this to ARM, and even offered to file the claim myself. I have yet to receive a bill or an itemized statement from XXXX or ARM explaining the charges. It is my understanding that XXXX filed bankruptcy, and I am concerned this may be an illicit attempt to profit off discharged debts, if not insurance fraud.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The payment was due XX/XX/XXXX  and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.