davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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. (CO)

In XXXX, 2020, on Southwest Airline 's website, at the time I was making a reservation, an offer was displayed that stated that if I signed up for the Southwest Rapid Rewards Visa that was offered by Chase that I would receive {$200.00} back after my first purchase and XXXX Rapid Reward miles. I applied for the card through the link that was provided for this promotion and was approved for the card. 

Upon receiving my first statement for the card, I saw that I had been charged the annual membership fee of {$69.00} but I had not received my {$200.00} promotional credit. I called Chase promptly and provided all the information about the promotion and requested that the promotion be promptly applied. Chase indicated that they would investigate this issue and let me know their response. 

Chase responded today XX/XX/2020, that they were unable to provide the promotion and would not give a reason as to why. All that I could be told was that somehow the link that I clicked " diverted me to another promotion, '' and that was that. This secondary promotion was never made publicly facing, and had it been, I would NOT have signed up for the card. The secondary promotion offered only miles on Southwest Airlines, which I did not want. 

This is total bait and switch! The link " diverted me? '' I have absolutely NO control over this - I clicked on the appropriately indicated link and if the link " diverted me, '' then this was intentionally and fraudulently set up behind the scenes by Chase and they had ABSOLUTELY no intention of ever honoring the advertised promotion. 

I want Chase to honor their promotion as they legally are required to do and credit me w/ the {$200.00}. If that also means rolling back my miles on Southwest Airlines, that is fine. I do not want the extra miles. I want the promotional credit as advertised.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I WANT Bank of America to return fraud of {$500.00}. This is a fraud claim. I was scammed. A company in XXXX without my authorization charged my Bank of America ( BOA ) credit card -- first coice travel. I want BOA to file it as fraud and credit back my credit card {$500.00}. 

XXXX XXXX XXXX XXXX with a girl in a shop near the XXXX resort we were staying at approaching us with a scratch off. My scratch off won {$500.00} OR a cruise. My wife won " first prize '' which could be anything from XXXX cash, XXXX gift card, or a free vacation. The catch is you had to show up the next day with ID and show some credit card to claim your prize. Well, we reluctantly decided to check things out. 

After an hour of watching a marketing video on some incredible vacation savings, we tossed the idea around into their plan. We met with one of the " team leaders '' in another room. I asked him to pull up different vacation packages on their video presentation scam.. THIS WAS ALL A LIE AND A SCAM. PAPERWORK was small print is could not read and I wS not told they were going to charge me {$500.00} on my credit card, there was a scam and of course no transparency of up front charges. I called XXXX to see if fraud company c charged anything and they did. 

We decided to purchase their plan ( I never saw a physical hotel. Only a video claiming huge discounts. HOWEVER an hour later on internet I was all info on them of a scam BEWARE. So I returned straight to the office to CANCEL EVERYTHING!!! The paperwork clearly states it will take 3 to 5 days before we have access to the website. NEVER GOT ACCESS to anything no services whatsoever so its null CAUSE I CANCELED immediately. 

I have proof of cancelation emails. BANK OF AMERICA HAS THIS. I spoke with XXXX one day after signing that paper I didn't even know it was a contract. XXXX the manager told me no problem it canceled but he would not give me confirmation so I sent a follow up email canceling everything!!! 

I want bank of America to return my {$500.00} credit and to speak to 3rd party bank that its a scam. No services were ever rendered. Nothing was received by us from first choice travel therefore it is XXXX. THERE WEBSITE NEVER WORKED OR USED BY US.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (CO)

My XXXX XXXX  XXXX was totaled in XX/XX/XXXX due to an auto accident. I notified Ford, XXXX my insurer of such. There was a remaining balance after XXXX totaled the vehicle. 
Ford advised me I have a Gap Insurance company- XXXX XXXX. 
I contacted XXXX XXXX and worked with Ford, XXXX to get this resolved. 
I supplied all necessary paperwork and reports. 
XXXX XXXX stated XXXX failed to report a 6 speed automatic transmission and a XXXX radio being part of the totaled XXXX  XXXX. I notified XXXX of this matter- twice. I received a call from XXXX stating they saw the XXXX radio issue, but did not believe the 6 speed transmission was an issue. I advised according to XXXX XXXX- it was. 
I have been getting called by Ford  Motor Credit- several times each day- and night, some calls coming in after XXXX in the evening. I have advised Ford of the situation, but they continue to call. 

My complaint is Ford needs to stop harassing me. XXXX needs to do their job. And, XXXX XXXX needs to contact XXXX not me. 

XXXX XXXX XXXX CO
Consumer complaint received 2020-04-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2020, my wife and I opened a business account with Navy Federal Credit Union. At that time we where told that we could apply for an SBA Paycheck Protection Program for Covid-19. We just received a message from the bank that we don't qualify for this loan since we did not have an account with them before XX/XX/2020. This was very misleading on behalf of Navy Federal Credit Union
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, XXXX and Equifax. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # ( XXXX ) but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX  and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX  Experian, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Today I was working at a XXXX XXXX XXXX when two women asked to pay me via paypal for dresses they were purchasing. Each dress was for {$40.00} each. I've made several sales over the last few days with no issue so I assumed this would be the same. 

I invoiced them making sure to select that it wasn't a shipped item. They paid. I handed them their dresses and they walked away. However when I went to transfer the money out of paypal so I had food for my XXXX  and gas money, the funds were on hold until I updated tracking. I reached out to customer service for help. They told me that the customers would have to accept the funds or else it would be 21 days until I recieved them. 

I tracked down the customers in the XXXX XXXX and managed to catch them as they were leaving. Neither were willing to confirm and both joked that maybe they'd take the dress and the money by filing a claim since I can't prove I handed them the dress in person. 

I relayed all of this to multiple paypal reps. Only to be given the same scripted response that unless I can find a way to force 2 strangers to accept the item on paypal, I'll have to wait 21 days, and thats if they don't file a false claim. 

I begged and pleaded for them to release the funds and they will not. These XXXX XXXX are how I put food on the table. And this evening myself and my XXXX  are without money we desperately need because PayPal is protecting scammers instead of releasing funds. 

My account email is XXXX.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, XXXX  and Equifax still refuse to update the information. XXXX, XXXX  and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I realized recently a fraudulent & sizable ( {$1800.00} ) check was cashed / deposited out of my personal checking account. The check was dated XX/XX/2019 and was completely fake, with a fake signature. I attempted to request my banking institution to look into it and also reimburse my account. They are not willing to do this due to the timing of when it happened being past their grace period.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

My daughter purchased the prepaid gift card online in XX/XX/XXXX and gave it to me on XX/XX/XXXX. On XX/XX/XXXX, I accessed the card online to confirm the {$500.00} balance prior to its first use. The balance remaining was {$1.00} due to its fraudulent cashing at a XXXX in California. I notified XXXX and submitted dispute packet # XXXX on XX/XX/XXXX. I was told that I would have to wail up to XXXX weeks before I would receive a response. On XX/XX/XXXX, I received an email and its attached letter stating that I would be receiving a replacement card. After waiting over two weeks, I started making follow-up calls. On XX/XX/XXXX, I was told I would be the replacement card by XX/XX/XXXX. The card has never arrived at my mailing address ( residence ). 

I have since made 8 additional follow-up calls and always told that the replacement card will be arriving in anywhere from 1 to 10 weeks time. Every time I call I wait on hold from 20 to 40 minutes before I get to speak to a customer service representative. My last call was XX/XX/XXXX and I still have not received the replacement card. I believe this is either a scam or a totally incompetent company, the effect is the same they are stealing their customer 's money. 

ps : Just called them again, after waiting 40 minutes to talk to " XXXX '', after identifying myself the call was " dropped ''!
Consumer complaint received 2023-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Below I have listed the inaccurate hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NC)

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : TD AUTO FIN - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX, Equifax, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX, Equifax, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in 9 ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, Equifax, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

This issue appears to be a privacy violation and may be related to identity theft. I received the following email from Chase Bank : Dear Customer, Our records indicate that you may have recently changed your mobile service provider or mobile phone number. As a result, Chase services that use this mobile number ( such as text banking, text alerts, Chase XXXX etc. ) may have been disabled. 

To continue using these services, please sign in to www.Chase.com to reenroll your mobile number or provide your new number. 

Thank you for being a valued Chase customer. 

I would like to know WHY Chase Bank has infomation about my phone service, for what permissible purpose did they obtain information about my phone service, and from what source Chase Bank obtained information about my phone service.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion, XXXX, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from Transunion, XXXX, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX  instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in XXXX ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX  credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by Transunion, XXXX, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.