davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NJ)

I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. 
If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Is calling several times a day. Caller refuses to disclose who they until i verify my identy. I refuse. Reverse number look up shows it is XXXX XXXX   debt collection. I have received no mailings from XXXX  XXXX about a debt. The demeaner of the person calling is irrate and rude. The calls are an annoying rate
Consumer complaint received 2021-04-12
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. (VA)

On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.
Consumer complaint received 2021-06-03
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. (UT)

I have disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2021 I noticed {$2000.00} missing from my savings account with Chase Bank. I've been to a Chase office on 3 separate occasions and opened up claims with Branch Managers and 2 claims over the phone with no resolution. I've been diligently saving money for a new car, I was done saving as much as I could on XX/XX/2021 at which time I saved {$8000.00}. All of my transfers were from my Chase Checking account directly into my Chase Savings account via Chase Mobile App. The history of some of my mobile app transfers is missing and it only shows my balance reaching {$6000.00}. All of the Branch Managers say the same thing, your balance was not greater than {$6000.00}. There is suspicious activity in XXXX showing amounts I never processed. I went into XXXX Branch on XXXX XXXX on Sat XX/XX/XXXX, I went into XXXX Branch the following week after the initial claim was not resolved. I received a letter from a claim opened over the phone for {$2000.00} which I am attaching to this complaint. Today I went into the XXXX XXXX Branch and this counts as my 3rd branch visit. I purchased cashiers checks for the balance in my savings acct for {$3000.00} & {$3000.00} since I didnt want to lose any more money from my Chase Savings account.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have contacted Experian several times that a chapter XXXX bankruptcy on my credit report should not be reporting. I supplied supporting documentation and it was dismissed. Experian is saying they verified the information with the court, which is not accurate. The courts do not verify information. Experian used a third party to view the public records and when i requested to find out who verified the information and what supporting documentation they had, Experian has failed to respond.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/20 paypal placed two of my payments from a vendor that's paid me hundreds of time on paypal into a hold. when i contacted customer service on XX/XX/20, i was told there was no security hold and they would be released. when i went in on XX/XX/20, i found they were not released and contacted customer service. ive received so many different versions from these csr 's working at home. no one can give a straight answer and they just have no clue what they are doing. i can't get a manager on the phone or anyone to release these funds. they sent me instructions to send to the client that did not work and then when i asked for another route, we started back at the beginning with a csr that's unfamiliar with the situation. their own security system shows no reason for these to be held but it's like their managers are remote so aren't working currently. seems like they are holding the funds just to collect extra interest. very shady.
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NC)

My billing statement from KeyBank for a car loan does not include the number of days in the billing cycle. It includes the interest rate, and amount of interest taken from my previous payment, but does not tell me how many days were in the billing cycle. The amount of interest charged is all over the place -- often increasing for several months even though my principal balance has gone down. Credit card companies tell me how many days of interest were charged, so I can go back over the past year to see if the number comes out to XXXX. With KeyBank, however, I am not given the information of how many days interest I am charged in a month, or a year. 

I think there should be transparency in lending, and they should give me a complete picture of how my payments are calculated each month. When I called them about it, they said they just don't do that.
Consumer complaint received 2022-07-23
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. (TX)

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : 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 XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

I sent a letter explaining that my cell phone bill was paid in full. The final bill was {$170.00} which was paid and proof provided to the company. I received another letter requesting for demand for payment of bill. This was created after my account was closed and paid in full. This is the second company trying to collect on a closed account. I provided the first company the same bill and bank information showing the account was paid in full. this company sent a bill i never receive and was created after a had already receive and paid my final bill eve before i receive notice from Sunrise credit services inc i was receiving demand for payment they call XXXX years old mother in law being rude and UN professionaXXXX NOW I RECEIVE A LETTER FOR DEMAND FOR PAYMENT FROM XXXX XXXX XXXX NOTE MY ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THE BILL IN QUESTION IS FOR SERVICE PROVIDE IN XX/XX/XXXX WHICH MY ACCOUNT WAS CLOSED WITH NO PAST DUE AMOUNT DUE NOTED IN THE LETTER FROM XXXX XXXX XXXX WHICH I PROVIDE A COPY
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (WA)

I have a Robinhood account, and Im unable to log into my account, I can see pop ups that trades are happening with dodge coin digital Currency with me not logging into the account. I have sent multiple request to Robinhood customer service to try to find out whats going on. You can only request that there is an issue through the app or website, there is no customer service number that you can call. This is completely unacceptable, Im left in the dark. I have been locked out since Sunday XXXX- Current for 5 days without any answers. Any help from the CFPB would be greatly appreciated! Thank you
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

When I opened my Chase Sapphire Card I was given a guide to benefits including Return Guarantee, that states if a merchant wont accept a return and it is still like-new/good working then Chase will accept the return and provide me a credit for the purchase amount. 

I attempted to use this benefit on XX/XX/18 for a pair of shoes that I bought that ultimately I decided I did not want to keep. I was outside the merchant 's return period, but inside the 90-day period for Chase 's protection. I sent in all requested documentation. 

A month passed and I received no update on my claim. I called the 3rd party benefit provider and was told that my claim was denied because the shoes were not like-new. I explained they had only been worn to try them on in my apartment, and that the merchant, as well as most shoe merchants, consider that acceptable practice and would accept the return. 

I contacted Chase customer support to follow-up. Chase told me that my claim had been APPROVED and that I should receive a check within 1-2 weeks. I confirmed several times with the claim number and card number, as this was confusing, but I was reassured that the claim was approved. After 2 weeks and no check, I contacted Chase again, and Chase told me this time that in fact my claim had been denied. 

I escalated my concern to Chase, and Chase " investigated '' only to come back and tell me that the claim was denied because the shoes were not like-new. I had already explained multiple times that they were in fact like-new as accepted by shoe merchants, and in good working order. 

Chase seems to make a habit out of doing absolutely everything it can to avoid honoring claims for the benefits that it advertises on its cards. Its deceptive to ensure me, the customer, that I should use my Chase card over my other credit and debit cards because of the benefits ... only then to avoid paying when I try to use them. 

It's also concerning to see Chase offer a benefit that has more stringent requirements for merchandise than the merchants who sell them. What does Chase plan to do with the returned merchandise? Return them to the merchant for a refund ( I already tried ).
Consumer complaint received 2021-06-03
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. (CA)

Equifax and XXXX  is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to Equifax and XXXX  to fix this issue as I have tried many times myself already with no results.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. 

And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). 

Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I recevied a notification on my phone from my bank regarding a pending charge from " XXXX   XXXX XXXX XXXX , CA, US '' . As I did not recognize the charge and it was quite large ( {$1000.00} ), I contacted my bank, Ally Bank, immediately to dispute the charge. They told me that as the charge was pending it could not be disputed and I must wait until it posts. It posted the next day, XX/XX/XXXX and I disputed it the same day. A provisional credit was returned to my account while the bank investigated. 

Flash forward to today, XX/XX/XXXX and I notice the provisional credit has been reversed. I check my account notices and notice a message from XX/XX/XXXX that I was never alerted to indicating " Our research indicates that the transaction was authorized and is correct. Thus, the transaction will remain posted to your account. '' When I contacted the bank to dispute this, they informed me the decision is final and I would need to contact the seller for a refund. When I informed them the " seller '' is a pyramid scheme and this is a known scam, they told me to " look for another way of getting your funds from them. You may want to speak with a lawyer and discuss all options out there. '' I was told they based the decision on the fact that the seller provided evidence of the order and delivery of an item to my address. I informed them this is a known scam with this company ( see others reporting it here : XXXX XXXX XXXX ) and " Federal laws prohibit mailing unordered merchandise to consumers and then demanding payment. '' ( XXXX XXXX XXXXXXXX ) but they continued to refuse any assistance in returning my stolen funds.
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (IN)

I contacted XXXX XXXX XXXX who informed me the debt was not theirs but XXXX. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to Amerassist to verify the debt but the line just rang.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : 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 XXXXXXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-23
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA : XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXL XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}