davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Back in XXXX I had called in to inform Chase that my Chase Slate card was misplaced and that I needed to freeze the account. The representative had mentioned that she could replace the card/ freeze the account ( block all in/out transactions )/ OR UPGRADE THE CARD. I told the representative to just freeze my account and I would get back in regards to the upgrade. As of XX/XX/XXXX my Chase Slate Credit Card was closed by chase bank. I personally had not checked my app until today XX/XX/XXXX. I called in to inquire why my card was closed. It was due to inactivity. I called instantly to inquire what about the freeze on the account and they told me regardless of freeze the account was inactive so they closed it. I also asked the representative regardless of the card being closed, if there was a way for the bank to reopen that card/account and then was told that the limit for reconsideration was 15 days ( which online says 30 days- which I would've been accepted ) after they mailed me. The representative on the phone today then confirmed with me that PHYSICAL MAIL was sent to my CORRECT ADDRESS ( which I also double checked with her on phone ). I NEVER RECEIVED ANY NOTIFICATION MAIL!? 

As a fellow Chase member that PRIDES he NEVER missed a payment, this is very frustrating because this miscommunication now effects my personal financial situation heavily.
Consumer complaint received 2024-04-06
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: WELLS FARGO & COMPANY (MD)

Wells Fargo provided credit card and paper checks. On the front page of their correspondence, they state " low intro apr - O % intro apr for 21 months from account opening on purchase and balance transfers. '' The contractor who installed a new roof and helped me apply electronically for this service in order to finance the cost, ( XXXX XXXX  ), after completion of installation, sent me an email on ways to pay. " In person with cash, Credit card ( 3 % processing fee ), or by check. I chose to pay by the checks supplied by Wells Fargo along with the credit card and the above company statement.However when I received a statement From Wells Fargo it included a {$570.00} fee for what they refer to as a balance transfer, which I just used the provided check to pay the balance that was due the contractor. I believe this is deceptive!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I informed JPMCB CARD SERVICES THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.
Consumer complaint received 2022-05-13
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. (GA)

accordance with the Fair Credit Reporting act XXXX Account # 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 2021-09-26
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. (NY)

Vendor charged me, on my credit card, for services I did not receive. Contrary to the Fair Credit Billing Act, Chase Visa Cardservices refused to accept my complaint about a billing dispute. This refusal is contrary to the terms of the act, which require the credit card company to carry out an impartial and thorough investigation during the proscribed time period. All calls are recorded ; this complaint is easily verifiable
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation (CA)

I was in a car accident. The atty that was representing me promised to pay all of my medical expenses regardless of the outcome of the lawsuit. Atty office instructed me to go to their medical doctors for the pending lawsuit. The atty office refused to pay the medical debt, and the medical office has illegally put this account on my credit report. If I would have known I would be responsible for the debt I would not have went to their medical office and went to a medical office that accepted my medical insurance.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (GA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2019-11-26
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. (FL)

citi Costco card charged {$3000.00} FRAUD -- -- not authorized ... .. Going on for months. Citi won't issue CREDIT. Numbers used NOT card. XX/XX/19 XXXX XXXX XXXX XXXX crooked lawyers ... .... # XXXX
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

My friend sent me cryptocurrency but when I tried to verify myself to comply with their rules it closed my account. When I tried to decline the transaction to return the bitcoin it said I couldnt access the app features. The app I used was cash app. I couldnt withdrawal, access, or decline the transaction.
Consumer complaint received 2024-04-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (NY)

Direct express refused to answer The customer service line they will have you waiting for days and hours on to tell you after they ask you all the information and give them all the documentation over the phone they claim they want you to send more to another fact number and when you dial the number not in service do you go back-and-forth to Social Security office all week long only to be told we have to wait for the XXXX the XXXX family playing games with my phone and I need to know why my rent is due rent is trying to redo and they were not explain why they shut down my card that I have been using for a year, they want me to wait by the phone and I am Legally deaf Social Security keep claiming that it up to direct express and I keep walking 2 miles each day only to be told come back after they say direct express will call Im already days late on rent at my new apartment and Im very depressed about it please help me and others going through this
Consumer complaint received 2021-09-26
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: Massachusetts Educational Financing Authority (MA)

Back in XXXX of XXXX, there were 3 negative reports on a MEFA student, which XXXX is the servicer, since XXXX. These negative reports were on 2 loans - 1 as 30, 60 an 90 days late and the other 30 days late. These appeared on my XXXX credit report as he was applying for a home loan. As primary borrower on these loans, they were on my credit report also. 

I began contacting the Customer service department of XXXX, in late XXXX, to dispute the late charges, as I had been paying the company, along with my 2 co-borrowers and did not believe we had been late. 

This entailed many conversations with CSR for XXXX, directing me to complete a dispute report, which I did do. The first one was denied quickly through the mail and their portal via a form letter. At this point these were the only late charges on our 9 loans which we had 5 for my son, and 4 for my daughter. I spoke with more CSR people, filed another dispute, added more documents and our record of payments. Still denied. I kept contacting the company as i did not agree. Then they recommended a reapplication of the payments to fix the problem as they could see I was making regular payments, The first re-application resulted in more negative credit reporting on loans which were not noted as late before. I called them asking what had happened? I spoke with more Representatives. They did a second reapplication of the funds. These funds of course were payments we had made, they were just re-applying them. On XX/XX/XXXX when the second reapplication was conducted- they added addtional late payments, with XXXX loan stating it was late for 10 months in a row beginning in XX/XX/XXXX- through XXXX of XXXX. 

This is all erroneous and caused by them reapplying the funds, which had been received and not been late. I want the erroneous reports removed and not one person has assisted in a way to assist me the consumer. Everything that they did, added negative credit reports to my account. Which i have been paying regularly. They keep adding additional interest owed with each reapplication of the payments. 

This company has numerous complaints like mine. I would never do business with this company by choice. We will refinance these loans, but need this credit reporting cleaned up before my children can refinance them. 

Any assistance which can be provided to me would be helpful. I intend to file another credit dispute, but their system only harms my credit, without any resolve to my request. 

Thank you and I look forward to hearing back from someone, XXXX XXXX ( my name on the loans is my previous name XXXX  )
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I got a phone from XXXX and when I seen they was charging me more than I was told they said it was other phones on my account that I didnt authorize. I told the manger he said not to worry it will drop off my credit after some years I dont know but I wasnt paying for phone I never had gotten. This is affecting my credit I want more information on this.
Consumer complaint received 2021-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT DON'T BELONG TO ME. AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC (PA)

My physician wanted to do XXXX XXXX on me. We discussed that I am on Social Security XXXX, therefore, he needs to submit it to a participating provider as I only have one insurance through my husband 's employer and could not pay for anything out of network because I have very limited funds. He agreed and sent it through an in network provider who then went it to a different out of network provider. As a result, and by no fault of my own, they are saying I owe them over {$3000.00}. I spoke with my doctor and they said they would handle it. More importantly, they never called or spoke to me directly. Now, they sent a collections letter to my son 's address in Washington State. I have never resided in Washington state. They are violating FDCPA laws by sending that to my son and not to me. This is my complaint.
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (NY)

My name is XXXX XXXX and I will attach my photo ID at the end of this report. 

I am making this report against a keybank customer by name XXXX XXXX. I will try my best to explain everything. 

On XX/XX/XXXX, I listed my new XXXX XXXX Laptop for sale on XXXX at the sum of {$1500.00}. The next day being XX/XX/XXXX, someone by name XXXX XXXX contacted me to buy my XXXX laptop and accepted the price. 
I told her to come and pick it up since we are all living in New York and she said she would come the next day. 

The next day being XX/XX/XXXX, XXXX came to my house and picked up the XXXX laptop and said she was paying using my XXXX card reader account which my company name is " XXXX XXXX transfer For XXXX XXXX XXXX '' XXXX made the payment of {$1500.00} to me by herself and got the laptop and drive off. 

After two days, XXXX called me on the phone said that she would take advantage of me by reporting to her bank to get her money back plus my laptop she already got. I was very shocked. 

Yesterday, she sent me a message that she had reported the transaction to her bank by tricking her bank that it was unauthorized charge to get her funds back and she said her bank had given her bank the money. If that is the case, it means, she got my laptop and also took money she sent to me back. 

So I am making this report officially to her bank that the bank should not honor XXXX XXXX request to get the credit back on the {$1500.00} she made to my shop because she got her item. 

When she came to my shop as part of documentation, she submitted her photo ID to me proving that she was present at my shop. I will attach her photo ID which she submitted here and also a screenshot of her chat where she said she had gotten back money from her bank saying that she will keep on doing same thing to online sellers to take their items. 
Very sad. 

Her email address is XXXX And her house address is XXXX XXXX. 
XXXX XXXX, NY XXXX. She is a keybank customer and I believe she paid with her keybank MasterCard
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I was not late with my payment for XXXX I have paid every month on time. I even made payments online ahead of time, that were scheduled. I requested for my account to be reviewed as I lost my job for 11 months in XXXX, and they never helped with anything.
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello good day, My name is XXXX and this is my email XXXX I have been using PayPal for a while now bit I got baned for using my account for 180 days, now the 180 day has elapsed and I need to withdraw my funds to enable me arrange for my son 's XXXX but I am unable to withdraw from that account cause the card which was linked to my PayPal account was stolen during the XXXX wait so I had to deactivate the card to secure my funds and now they are not allowing me link another card to enable me withdraw the money in my balance.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

EVERY year I contact GM CAPITAL ONE Card ( among other credit card companies ) and tell them that I already told them I Did NOT want them sharing my information. They refuse to give me documentation to say I called in or written verification that I contacted them and told them to stop sharing my information. Then they claim I never let them know. What will you do to address this? I '' m sure you know this goes on with the credit card companies all the time. Why even bother having the law if they don't have to follow it? They should have to send verification immediately when someone tells them not so share information or make it an option on their site so you can take a screen shot to " prove '' you told them not to share the information. They have already compromised my financial information by their most recent data breach.
Consumer complaint received 2022-12-12
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. (HI)

XXXX on XX/XX/XXXX reported 30 days late. This is inaccurate there is still a pending payment for {$40.00} that has not posted but says posted/ pending posted.im guessing this is was caused an automatic reporting which is not correct because payment was made in time. I also called that week XXXX XXXX can pull the recorded call to their office. I understand this is an error but please remove the recent late payment.
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (NC)

This company is attempting to collect an alleged debt without having any type of documentation or wet signature of the alleged debt I " owe '' I have never heard of this company in my life. This information on my credit report is false and misleading and needs to be removed immediately. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. Litigations will be filed if this debt is not removed off my credit report. Again you are violating my rights as a consumer.
Consumer complaint received 2021-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNT THAT SAY CHARGE OFF AND ACCOUNT THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-09-26
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. (CA)

I've been trying to get XXXX, XXXX, and Transunion to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AL)

I ordered a pair of jeans from XXXX, returned the next day with a tracking number. The seller received the jeans back on XXXX signed by XXXX. Meanwhile XXXX stated they couldnt return the full amount due to a chargeback on the loan. So now its in dispute showing a late payment but they wont allow me to even make a payment while in a dispute. None of this makes sense to me. It seems like they would want me to make a payment, and now they probably are reporting this to the credit bureau. These were expensive jeans and I expected to be returned what I paid-shipping or whatever they charged
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

And theyre constantly sending me mail and regards to this dad that Im not sure of it doesnt seem like it belongs to me and I basically just want it removed from my credit report at this point it seems like its harassment and I cant get in touch with him through phone or by email
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC. (FL)

On XX/XX/2021, I sent in a request for validation to said Company FIRST FEDERAL CREDIT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have inquiries on my credit report that I did not give consent nor benefit from. These inquiries are causing me emotional turmoil because of the amount of stress it is putting me under. Inquiries are preventing me from getting a new home during these tough time. I filed a FTC report backing up my claim that these inquiries are fraudulent and need to be blocked/ removed immediately. According to law You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2023-03-08
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. (SC)

EXPERIAN, XXXX and XXXX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.