davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
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: ZIONS BANCORPORATION (UT)

On XX/XX/XXXX I went into the Zions Bank XXXX XXXX XXXX Branch located at XXXX XXXX. There I met with XXXX XXXX ( Branch Manager ) to apply for the Zions Bank Amazing Cash Credit Card. The card promotion was if you spent {$7500.00} in 90 days you would receive a {$1000.00} cash back bonus. 
I checked with MsXXXX XXXX to make sure I was eligible for the promotion before applying and getting approved on that day. She confirmed that I would be eligible for the offer. 

I met the terms and conditions of the promotion, but I did not receive the bonus in my account after several months. I called the Zions Bank Customer Service Department at XXXX and was told I was not eligible for that promotion because I had previously had a similar card. 

I went into the branch to talk with Ms. XXXX who was surprised that I had not received the bonus and was confused why I was being told that I was ineligible. She called the VISA promotion office to confirm that I had met the terms and explained to them that when she had been trained on the specifics of this offer there was no mention of restrictions on not being eligible because of a similar card we had previously. They indicated theyd look further into the issue. 

I followed up a week later and she had received no response concerning a follow-up email she had sent the Visa Card Promotion office. She said she would send another email. I  followed up a week later and she had not received any response yet again. 

I felt like I was getting the run around. At this point I asked for copies of the documents we signed indicating this stipulation or I would have to file a complaint with the CFPB. She said she would call and get in touch with someone at the Visa Promotion Office and get back to me that day. 

When she called back she said I WAS eligible but that Visa had 90 days from the time the promotion ended to pay the bonus and that I should see the money in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX, the bonus has not posted to my account and after months of calling, going into the branch and waiting I feel like I have done my due diligence in dealing directly with Zions Bank on this matter. In good faith I signed up for this credit card, met the terms and conditions Zions Bank provided me to receive this bonus, and have exhausted other options in resolving this issue.
Consumer complaint received 2019-04-25
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. (VA)

Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (LA)

I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

I originally filed a complaint with CFPB regarding amsher collections.

I also sent a debt validation notice to amsher to which amsher did not respond.

I am filing this complaint on the basis of amsher collections knowingly attempting to collect a debt that is not owed in violation of fair credit reporting act. 

The amount amsher is attempting to collect is for a merchandise that was returned to the merchant, XXXX. Amsher provides a signed receipt for original purchase but knowingly failed to submit receipt showing that item was returned to XXXX. 
Item was an online purchase that was not delivered to me. I requested XXXX cancelled delivery, which it did. thaNot only was item returned to XXXX, the item was not delivered to me. 

Amsher will need to show proof of delivery of online purchase. 

And the XXXX statement ( see last page ) provided by amsher shows a charge for the item and then a subsequent refund.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have called this company and told them this is not my account, they continue to refuse to accept it. I asked for proof to be provided, they sent me a letter with an address that I do not recognize. 
I am enclosing the letter as proof as well as my XXXX from the government that shows my address from XX/XX/XXXX to XX/XX/XXXX- I also faxed copies of the attached to the company
Consumer complaint received 2019-09-22
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. (GA)

Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the  Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that XXXX XXXX and Experian continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that Trans Union and XXXX  continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2023-07-05
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. (LA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/2019, my wife of XXXX years who is XXXX years old was called from a legitimate XXXX, XXXX telephone, whom she calls quite often for help, which she pays for this service. She was told that her computer had been attacked with a virus and the only way to cure this problem was to buy a series of XXXX XXXX ( she had no idea of what a gamestock card was ) using her CITIBANK VISA CARD and that XXXX would reimburse her for the charges. During that night, she purchased {$4000.00} worth of these cards and received fictitious emails from XXXX that these were being reversed. CITIBANK has seen this happen many times and I am told that they have a program to warm them of a possible fraud happening. She was never called and warned by CITIBANK. The next XXXX continued calling and requiring more gamestock cards and she charged an additional {$17000.00} for these, for a total of {$21000.00}. 

Our complaint is against CITIBANK and XXXX for not warning XXXX of the fraud and not recommending she not charge any more the following day when they had at least 8 hours to trace this fraud and issue her a warning.
Consumer complaint received 2023-03-24
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. (MO)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

XXXX sold my debt to XXXX XXXX XXXX XXXX in XXXX of XXXX, on XX/XX/XXXX that same debt was sold to Enhanced Recovery Company who then gave fraudulent information to XXXX  claiming the old debt was new thereby resetting SOL from XXXX to XXXX.
Consumer complaint received 2019-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, Chase cashed a persona check that was dated on XX/XX/2019 early. This resulted in an insufficient funds fee of {$34.00} for that transacition. 

Additionally, despite checking my account balances on XX/XX/2019 to ensure I had sufficient funds for the purchases and transactions, Chase has charged an additional four, separate {$34.00} fees for insufficent funds. I would have been unable to make these transactions if I was overdrawn so it is not clear how I had insufficient funds.Without these fees, I would not have needed to overdraw for future transactions which have also been penalized by two, separate {$34.00} insufficient funds fees. 

The total if fees to date has been {$230.00} dollars and it appears another {$34.00} will be charged on XX/XX/2019. 

Chase routinely back dates transactions allowing them to collect the fees although funds are available at the time of the purchase.
Consumer complaint received 2023-03-24
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — Store credit 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. (NV)

I ordered a tripod on XX/XX/XXXX for {$24.00} and paid another {$19.00} which is aprox 79 % of the total item cost for expedited 2 day shipping. I still to this day have never received the item and I can clearly see it was damaged by XXXX and the delivery was delayed with no update on when this item would be delivered. I called Best Buy approximately a week after I was supposed to receive my item and requested to at least be refunded the expedited shipping fee since I still had not gotten my delivery. I was told a refund would be issued within 24hrs. That never happened and I still have the entire amount charged to my Best Buy Visa Credit card. Today on XX/XX/XXXX at aprox XXXX I called again and was disconnected but received a call back from the Best Buy representative at XXXX and was on the phone with a Best Buy representative for another 27 minutes demanding a refund. I was told by the rep he could not issue a refund and that on his screen the item was delivered which is an obvious lie because Im looking right at the XXXX tracking information which clearly shows the item was damaged and the delivery was delayed with no additional information available. This male phone rep then blatantly lied to me and said that they do not have supervisors when I asked for a manager. I then said I do not believe he doesnt have a supervisor so he then said he didnt know when a supervisor would be available and that a supervisor cant help me anyway. This practice is absolutely absurd and a customer can not be forced to make payments on credit card charges for an item that was never received. My Best Buy card is a visa logo credit card that falls under consumer credit protection laws and I can not be forced to make payments and accumulate interest on an item never received. Please listed to the 27 minute phone call of this employee refusing to issue a refund and flat out lying about not having a supervisor.
Consumer complaint received 2023-03-24
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} I have already sent the required files to the FTC XXXX
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX