davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX XXXXXXXX XXXX ). Because the account name being reported by your company and XXXX are different ( XXXXXXXX XXXX  XXXX - XXXX )., this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2021-12-20
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent a debt validation letter to the creditor XXXX. The creditor reported 2 accounts with different amounts on the credit reports. However one account got deleted but the other account is been under dispute until XX/XX/XXXX, the company has reported false information violations 15USC 1681 to the credit bureaus to have it on file till XX/XX/XXXX, which is a violation under the federal law. The company is required by federal law to verify that information is mine and is correct in 30 days and not more. 
As of today is XXXX XXXX Account XXXX XXXX {$560.00}
Consumer complaint received 2022-05-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX  XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

BANK : JP Morgan Chase Bank NA QUESTION RE : Reward Points from co-branded Marriott/Chase credit card Dear CFPB, I am a cardholder of a co-branded Marriott/Chase credit card issued by JP Morgan Chase Bank NA ( hereinafter , Chase ). 

I was a claimant in a recent arbitration with Chase through XXXX over a disputed charge of {$7700.00} on this co-branded Marriott/Chase credit card. 

In my situation, a criminal made an unauthorized charge on the credit card after obtaining it through fraudulent actions and statements. I reported the unauthorized charge to Chase by telephone within hours of the charge being made and sent follow-up letters. Chase continued to claim the charge was valid, so I filed an arbitration. 

During the arbitration, Chases lawyer argued that the Marriott Reward Points that I received ( because of the rebilling of the disputed charge to my account ) provided a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use, and for this reason, Chase considered the disputed charge to be a valid authorized charge. Refer to the highlighted sections of the attached ( i ) Page 6 of Chases Motion to Dismiss Brief dated 2024-XXXX and ( ii ) Page 5 of Chases Evidentiary Hearing Position Statement dated 2024XXXX. 

QUESTION TO CHASE : Regarding Marriott Reward Points that are awarded with Chases co-branded Marriott credit card, does it continue to be Chases corporate position that Marriott Reward Points are a benefit under the 15 USC 1602 ( p ) definition of the term unauthorized use? 

REQUEST TO CFPB : Please thoroughly review Chases response to this question. 
( a ) If Chases corporate position is YES ( i.e., that reward points are a benefit ), then Chase could escape liability for an otherwise unauthorized fraudulent transaction by simply issuing reward points on an account, and there would be no way that a cardholder could ever prevail on a disputed claim in even the most egregious circumstances of fraud. 
( b ) If Chase does not answer this question with an affirmative denial, then it appears that Chase intends to continue to use this nonsensical reward points are a benefit position in credit card disputes with its cardholders.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

XXXX allowed my county tax office to cash the same check two times, causing financial harm to me and my family. Details below. 

XX/XX/XXXX - Check # XXXX was cashed in the amount of {$2800.00}. This is cashed as intended for my XXXX winter property taxes. 

XX/XX/XXXX - Check # XXXX was cashed AGAIN over a year later for {$2800.00}. This is a major issue as I'm not sure how a competent bank could allow the same check to be cashed twice over a year a part. 

XX/XX/XXXX - I called Chase to alert them of the issue and dispute the charge. They said it will take two business days to get to fix. This is unacceptable as I made XXXX error. It was Chase 's incompetency that caused this issue to begin with. Waiting at all is unacceptable. Throughout the process of filing the dispute, I was transferred from multiple different departments. Nobody had a clue what I was talking about. The wait time between every transfer was 30+ minutes. I was on the phone for hours and got nowhere. 

XX/XX/XXXX - I called back to confirm the dispute and get an immediate deposit back to my account. I was reassured multiple times by the representative that there was nothing they can do and that my money will be back in my account on Monday XX/XX/XXXX. I asked several times to speak with a manager or someone who can help me. The person was completely unhelpful and repeated that nobody can help me. She ultimately hung up on me after telling me the funds will be in my account on XX/XX/XXXX. 

XX/XX/XXXX - The funds were not in my account. I called Chase again. Only to be told that a dispute was never filed. This is literally impossible. I spoke with multiple people who all told me it was filed and I would get my money on Monday the XXXX. 

Due to the complete incompetency on behalf of Chase and the absolute lack of care and solution focus from their lack luster Customer Service department, I am cancelling my Chase account, paying off my credit card, and taking my business to a company that cares and has customer service reps with common sense. In the meantime, my son 'XXXX XXXX, groceries, XXXX XXXX, and the property tax check for our other house is written against the same checking account. I expect all fees will be covered and a compensation check of {$500.00} for my time be sent.
Consumer complaint received 2024-06-06
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. (FL)

Citi bank sent me a letter in the mail on XX/XX/XXXX telling me my dispute had been resolved and investigated and it was in my favor now today XX/XX/XXXX they charged my card for the amount they credited and are saying that I have to contact the merchant. However they sent the letter informing me this had been taken care of.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2021-12-20
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft report
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting. 
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me. 
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect. 
In each letter, I explain why the debt doesnt belong to me. 
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue. 
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He maXXXX be right, but this cant be legal. 
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since XXXX. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX. 
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (FL)

Good day, To whom it may concern I am writing in reference to the status of the Mortgage account currently reporting on my credit profile. This account currently shows ADVERSE information negatively affecting my credit in the form of late payments. 

I have NEVER made any late payments on any accounts that I own. Your company had issued a forbearance and this account in light of The COVID-19 pandemic. I am not sure why this error has occurred but as the consumer involved who has been negatively impacted by these errors I demand you correct it the status of this account to paid on time immediately. 

There was never any late payments on this account NOR any proof of these allegations either. I DEMAND that you correct these errors immediately and Issue me both ; a formal letterhead stating that the corrections have been made through the mails AND an updated credit report reflecting the same within 7 days. 

If not I will not hesitate to pursue litigation to have these adjustments corrected immediately.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I APPLIED FOR CREDIT INCREASE ON XXXX AND XX/XX/XXXX. I PAYED MY ENTIRE BALANCE OFF ON XX/XX/XXXX! THERE IS NO REASON THEY DECLINE MY INCREASE! I HAVE GREAT CREDIT HISTORY!!
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (DE)

{$1500.00} were accidentally transferred to an old closed TD Bank savings account on XX/XX/year> from my XXXX checking account online. The funds were successfully transferred, but were never returned to XXXX. I called TD Bank and was instructed that because the account was closed the funds would return to my XXXX account in 10 days. After 10 days, I went to the TD Bank branch with information about the account and was informed that the funds did not appear. The representative took my information and sent information to a department for them to respond to her by email the next Monday ( XX/XX/year> ). She instructed me to come back on Monday to resolve the issue. I returned on Monday, she was not at the branch so I met with another representative and a manager at the branch. I provided them with the account information... they asked me for the routing information that was given to XXXX. So, went home to retrieve it. When I returned they informed me that there was nothing they could do without even research the ACH system/department with the routing information along with the old account number. When I contact my bank, XXXX, they informed me that I need to get assistance from TD Bank. When I speak with TD Bank, they inform me that I need to get assistance from XXXX. It seems no one knows where my money is or cares. Please assist.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

XX/XX/year>, XX/XX/year> {$210.00} sent in driver license for verification and the company still deactivated and now I have money in that account and now I can't get it out
Consumer complaint received 2021-12-20
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-12-20
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I applied on Amazon 's website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling Amazon and Chase to figure out the problem. Amazon says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, Amazon directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Consumer complaint received 2022-10-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-20
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. (FL)

On XX/XX/2021 I applied on XXXX 's website for the Visa Signature Rewards Card issued by XXXX. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from Equifax on XXXX XXXX and saw that I had a hard inquiry from XXXX. I then have been going back and forth calling XXXX and XXXX to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and XXXX says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to XXXX, who then directed me to Equifax, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I took out an advance from XXXX using their XXXX XXXX. I was due to repay on XX/XX/year>. On XX/XX/year> I " chatted '' with XXXX and revoked my authorization for them to withdraw funds from my account or debit card. I was ensured that they would NOT draw funds from my Huntington account ( XXXX XXXX account with my husband, XXXX XXXX ). On XX/XX/XXXX they did, in fact, take the money from my account which caused my account to be overdrawn. I tried reaching out to them to get my funds back but they kept saying they needed to research the matter. I contacted them XXXX times and basically got nowhere. They now claim that they did nothing wrong. 
On XX/XX/XXXX I contacted my bank, Huntington, and filed a dispute. I advised them that the charge was unauthorized and that I had revoked my authorization for XXXX to debit my account. I sent copies of the chat transcripts with XXXX that prove that I did revoke my authorization and that they had the request noted in my account but for some reason it was not adhered to. Huntington supposedly did an investigation and XXXX days later I was sent a letter stating that XXXX XXXX had the right to debit my account. There is a clear violation of Regulation E in this case because as a consumer I have the right to revoke authorization and if that is not adhered to, my banking institution must make things right. Huntington provided me with a provisional credit and they are taking back the credit tomorrow, XX/XX/XXXX. This will cause undue hardship to me as I will need to stop payment on several bills that I need to pay and will accrue late charges. A dispute supervisor with Huntington claimed via phone call earlier today that Regulation E does not cover debit card transactions. According to this website, it most certainly does. I am confused as to why Huntington Bank would be so unaware of federal banking laws and responsibilities, but they apparently are. 
I can not reach a resolution with XXXX XXXX  and I thought it was the responsibility of Huntington Bank to follow Regulation E as it pertains to revocation of authorizations via bank accounts and debit cards. 
To conclude, a consumer has every right to revoke authorization for a company to debit their bank account. I did so a full XXXX days ( XXXX business days ) prior to the unauthorized charge. It was not adhered to and my bank account was overdrawn causing me tremendous stress and inconvenience.