davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Palmer, Reifler & Associates, P.A. (FL)

This company has called claiming to be attorneys and process servers. It started after I moved and got a letter in the mail from Palmer Recovery Attorneys about a year ago. Not sure if its related but probably is. Not sure how they got my cell number since its pretty new. Today XX/XX/XXXX they called my sisters cell phone number looking for me and left a message saying they have made several attempts for delivery/fax order delivery and will make one final attempt and will go to my employer or home and that I need to call them for the delivery. Called from XXXX, call back # XXXX. Some calls they say XXXX XXXX XXXX XXXX, some they say XXXX XXXX XXXXXXXX, some they dont say the name of the company but that they have made several attempts to serve me and will make one final attempt. On some of the messages they give the last 4 of my social security number on the message and my address. On some of the messages they say they will attempt to deliver to my employer and my supervisor would need to be present and have my ID ready and on others they have said to have my pets locked up and weapons put away for the serving and to call a number to reschedule the delivery. They call from multiple numbers with the same message all the time for the last year. Some of the numbers show unavailable, some show local area code, different fake numbers every time. The call back numbers are different every time too so the company must change it so they cant be caught harassing or trying to extort . The numbers called from : XXXX XX/XX/XXXX gave callback # of XXXX, XXXX on XX/XX/XXXX call back # left was XXXX, XXXX on XX/XX/XXXX, unknown number on XX/XX/XXXX, XXXX on XX/XX/XXXX call back # given XXXX, unknown number on XX/XX/XXXX call back # XXXX, XXXX on XX/XX/XXXX call back # XXXX. Theres been more numbers too. Call sometime back to back like 4x. Total harassment. Got another letter from Palmer Recovery the other day about a year from the last one and the calls are back in force again. The letter is about an issue with my minor son from XXXX demanding me pay them. Like I said not sure if they are the same company as the process server but most likely it is.
Consumer complaint received 2019-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I am an American expatriate living in XXXX XXXX and working for a XXXX XXXX XXXX. My employer recently changed direct deposit policies so that the balance of my monthly pay was sent directly to my XXXX bank account rather than my U.S. bank account. Knowing that this change was about to occur, I set-up international wire-transfer instructions with XXXX XXXX XXXX XXXX  ( XXXX ), and sent a test transfer to to XXXX XXXX, XXXX to ensure that my data was correct. Within 36 hours my test was successful and I was confident that I had provided proper information to the bank. When my salary was deposited into my XXXX account on XX/XX/XXXX, I utilized the wire-transfer profile I had previously set-up and wired the balance of my salary to my Chase account. It is now XX/XX/XXXX and my wire still has not been deposited into my Chase account. I have contacted XXXX and paid for a trace on the transfer, which they performed and confirmed was received and acknowledged by Chase Bank. Chase Bank still denies any knowledge of the incoming transfer and my full monthly salary is still missing. I filed a complaint here with the XXXX XXXX XXXX XXXX but their government has confirmed what my XXXX bank claims. I filed a complaint with the FDIC against Chase and they referred me to CFPB, which is why I am here. All of my monthly bills and debts are now being deducted from my Chase account, and the account is currently overdrawn by over {$2000.00}. HELP ME PLEASE.
Consumer complaint received 2023-07-07
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: Credence Resource Management, LLC (TX)

In accordance with the fair credit reporting act XXXX  XXXX  list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

Account name CREDENCE RESOURCE MANAGE Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name CREDENCE RESOURCE MANAGE 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 Account name 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 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 2019-02-05
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: JPMORGAN CHASE & CO. (AZ)

Chase is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (OK)

I received notification on my credit and a letter from XXXX XXXX XXXX XXXX  that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XX/XX/XXXX and once in XX/XX/XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
Consumer complaint received 2019-04-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (ND)

I have received notifications from Credit reporting agencies of negative remarks, balances have increased twice since I just refinanced with XXXX in XX/XX/2019, Inhave been making on time payments and my balance has increased TWICE. My current balance is less then the amounts reporting.
Consumer complaint received 2019-04-14
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: AMERICAN EXPRESS COMPANY (AL)

I applied and was approved for the XXXX credit card by American Express Business Card on XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX   points after $ XXXXor more in eligible purchases are made on the credit card within the first 3 months. 

When the credit card has arrived by mail it not show that 100,000 points offer in the welcome letter. I called the customer service number showed on the back of credit card and questions about the promotion offer and she said when I made purchase {$5000.00} or more in the first 3 months, the promotion points will automatic shows on my account statement. 

In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time. However, the welcome points it not show on my statement. I called the customer service and concern about it and she took my information and create the reference # XXXX. 

In the past 4 weeks I made several phone called to customer service and they keep transfer my called to different department and they keep said that I has applied the card in XX/XX/XXXX that why I can not receive new promotion. I couldn't agree with the explaintnation because if I already has a credit card why the system still approved another. 
I has escalate my complaint to XXXX XXXX XXXX with case ID XXXX. On XX/XX/XXXX, I received letter from Customer Advocate Services Team response to my complaint with the same answer that American Express refuse to offer my rewards that they offer online promotion when I applied for the credit card. 



XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

XX/XX/XXXX the date this account was open and the amount on there is {$630.00}. On XX/XX/XXXX another account was open and the amount on there is {$15.00}. I sent letters XXXX XXXX XXXX XXXX XXXX XXXX with documents XXXX XXXX XXXX, telling the companys that these are fraudulent activities and was not authorized by me, letters was sent to the credit bureau and to the companys that been reporting these information on my profile, the companys never responded and the credit bureau never took these activities off my credit profile
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/XXXX Consumer Complaint, This is a complaint against the handling of an Extended Warranty claim ( XXXX ) with XXXX  XXXX  XXXX  ( XXXX  ). My Chase Freedom Visa credit card has an Extended Warranty benefit administrated by XXXX. The magnetron on my XXXX microwave went out, so the microwave does not heat food. XXXX warranties their magnetrons for 3 years. Chase and XXXX  extends the XXXX warranty by 1 year. XXXX  denied my Extended Warranty claim refusing to pay for a valid claim. I submitted all of the paperwork : XXXX  online claim form, XXXX magnetron receipt, Chase Freedom Credit Card Statement, XXXX email, and replacement receipt for a microwave at XXXX XXXX. I was well within the 60 days notice of reporting the defective magnetron to XXXX  on XX/XX/XXXX. The date of loss was XX/XX/XXXX.  All documentation was uploaded within 90 days on XXXX  

The XXXX magnetron receipt states that the magnetron has a 3 year Replacement Warranty and shows " XXXX '' ( Chase ) for the credit card charged. The XXXX email explains that XXXX does not repair magnetrons, but only replaces them when under warranty. My XXXX warranty expired on XX/XX/XXXX. My XXXX  extended warranty covers XX/XX/XXXX to XX/XX/XXXX. I replaced the microwave at XXXX XXXX for {$330.00} on XX/XX/XXXX. XXXX  wants to ignore claims and teach consumers not to file. Chase needs to know that XXXX  is not paying out for valid Extended Warranty claims. I request that XXXX  reimburse me {$230.00} for the XXXX magnetron that was covered under their XXXX  Extended Warranty. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX Policy Administrator : XXXX  XXXX  XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX or XXXX XXXX  email : XXXX XXXX  Website : XXXX XXXX  Extended Warranty Claim # : XXXX Date of Loss : XX/XX/XXXX Filing Date of Online Claim Form with XXXX  : XX/XX/XXXX Claim Amount for XXXX Magnetron : {$230.00} ( before sales tax ), {$240.00} ( after tax ) Description of Damage : Defective magnetron in microwave makes no heat. The microwave does not function. 

Purchased Original XXXX Magnetron : XXXX XXXX Magnetron Replacement Warranty is 3 years : XX/XX/XXXX to XX/XX/XXXX XXXX  Extended Warranty is 1 year : XX/XX/XXXX to XX/XX/XXXX Replaced Defective Microwave at XXXX XXXX : XX/XX/XXXX Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Freedom Visa Credit Card # : XXXX XXXX XXXX XXXX Chase Freedom Visa Credit Cards : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Website : www.chase.com
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

PORTFOLIO RECOVERY ASSOCIATES LLC lost in trial, case no : XXXX XXXX XXXX XXXX XXXX  this case was tried on XX/XX/XXXX, they continue to contact and harass me for funds not owed. This is illegal and fraudulent and have not taken it off my credit. 

The case was tried in XXXX at the courthouse of XXXX and the case was dismissed, that the plaintiff is unable to and has not proven a contractual relationship between the plaintiff and defendant. 


Yet the plaintiff, aka PORTFOLIO Recovery is calling to obtain a collection I do not owe.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

XXXX XXXX XXXX has been attempting to collect a medical debt from me. The debt is listed as XXXX XXXX XXXX on my XXXX XXXX credit report. I have supplied PSC with digital images of the court documents clearly showing that my ex spouse is responsible for this debt to no avail. This debt should not be on my credit report and I want it removed.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

Submitted earlier complaint with CFPB, which closed despite improper resolution. See attached documents in reference to complaint. 
Sent fourth letter to XXXX XXXX  department following up with complaint, they haven't responded for a month.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

I opened a business checking account on XX/XX/XXXX through an advertised Wells Fargo promotion with the following terms : Deposit $ XXXX w/in 10 days, have at least $ XXXX in acct on day 60, and make 5 or more transactions ( including ACH ). 

I completed those terms on XX/XX/XXXX. The promotion advertised that within 30 days of completing terms, {$300.00} would be deposited into my account, which would be XX/XX/XXXX ( which has long since passed ). 

I called XXXX about a week ago ( beginning of XXXX ) and was told by the representative that I had met all terms of the offer and was told to wait another few days for it to post in the account. I waited and nothing posted. I called again and spoke with a representative and then a supervisor. Both of them informed me that unfortunately WF 's system had coded 3 of my external bank transfers as an " online transfer '' as opposed to an ACH. The other 3 were correctly coded as an ACH transaction. Note, all of these transfers were done with an external bank and were ACH transfers ( not wire transfers, ATM deposits, etc. ). The last person I spoke with told me I needed to go into a branch and speak with a branch manager in order to see if they could fix the problem. I don't think it's ethical for WF to make me have to jump through so many hoops in order to get the promotion that I am owed, especially since I was told that I already met all of the requirements before. It seems like WF intentionally coded my transfers as an " non-qualifying transactions '' so that they wouldn't have to fulfill their end of the bargain.
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. (PA)

I have been a victim of identity theft. A fraudulent account has been opened in my name and reported on my credit are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name RESURGENT/LVNV FUNDING with the account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (OH)

on XX/XX/XXXX XXXX American Express was notified of a charge discrepancy. Under their membership agreement in terms of service such a discrepancy must be reported within 2 billing Cycles after it is first available the account holder statement. XX/XX/XXXX is when serve became aware of the charges disregnancy. During a phone call with serve the discrepancy was clearly explained. What had happened was five items were ordered from Merchant. All five items were returned. Three of the items were refunded properly. Two of the items were not refunded at all. After some delay it sometime Merchant told me to contact Bank American Express Serve. American Express Serve appeared that this would be taken care of by them and that my membership benefits and membership agreement offered such protection. After some time this American Express Serve claim that they need additional information regarding this issue they required me to fill in a dispute form with information see attachment. This information was provided to members that serve immediately after it was requested. More so more information was submitted to American Express Serve than what was required in fact information that would clearly Define explain improve the issue was sent to serve even they did not requested. American Express Serve after possessing this information gave no updates no information and subsequently completed their investigation on XX/XX/XXXX. I on XX/XX/XXXX American Express Serve send me an email stating that the transaction was determined accurate and no credit would be adjusted to my account. American Express Serve claimed that they were denying this discrepancy and if their decision was based on the fact that they had not received the requested information. This is indeed false. They have received every information request from me to them. After several calls to American Express Serve. Confusion and unintelligible stammering could not answer what this requested information was that was not received. American Express Serve seems tube just have play XXXX denied this discrepancy with no reason whatsoever the reason they have provided is not correct is not accurate and can be shown to be false. American Express Serve needs to offer the benefits date extend in a membership agreement. There needs to adjust this discrepancy in my favor. The way that it has been provided to them.