davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (NJ)

On XX/XX/2019 I was making a flight reservation on the United Airlines website. I noticed an ad at the top of the page that told me that the price of the ticket could be {$250.00} less ( and it showed the ticket price minus the {$250.00} statement credit with the now lower price ) if I applied for the United Explorer Plus Card. So I clicked on the ad, filled out the application, got approved almost immediately, spoke with the credit card approval representative who promised that I would see the {$250.00}. off on my first statement provided I had purchased my ticket. I purchased my ticket completing my flight reservation on United immediately. When my statement arrived, i didn't see the {$250.00} statement credit and called them immediately. I was then told that I had not applied for the right offer. Since that time, I have been on the United Airlines Forum online side where I have read that many others have also been denied the offer, today I called Chase ( the Credit card company for United ) and tried to once again appeal to them, but they refused to help me. Further, I went on a credit card review site and found yet other complaints about this same offer from a few people. It seems that Chase has a habit of changing offers mid stream and not honoring what people sign up for. 
Further, I have spoken to United Airlines customer credit several times. They tell me that they have no  control over what the credit card company does and that they can't help me. Although I have spoken with United reps on their official XXXX page who have told me that if the offer for the {$250.00}. is still live, they should honor it. I have the link for the offer which was still live on XX/XX/2019 when I screen shot it and I have the conversation from XXXX United Airlines with their statement that Chase should honor offers to customers made to United Airlines Explorer customers. I would like to be able to upload these docs or send them to you. I am disgusted as I had total faith in Chase and United to stand by their word and it is obvious that they have hurt a lot of people who will not be recommending them. 
Further, the offer was not available to current card holders, which I was NOT. I have another travel card that I can use, I opened the United Chase Card that night just before completing my first purchase, just for that purpose and to start using the new card exclusively. So, I was perfectly entitled to the statement credit.
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (KY)

This company has been calling me everyday since XX/XX/2019 .They leave voice mail after voice mail wanting payment which I do not have .This needs to stop and how can I pay this loan of with these fees like they are
Consumer complaint received 2022-03-17
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2019-07-17
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: DISCOVER BANK (HI)

I was charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Consumer complaint received 2023-06-16
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-17
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a Home Equity Line of Credit with Citizensbank. Prior to XX/XX/2019, I was able to transfer funds from the HELOC to my checking account at Citizensbank as needed and transfer funds back to HELOC to pay down the principal at any time. The interest payments on my HELOC are auto-debited from my checking account on the XXXX of every month. On XX/XX/XXXX ( 23 days prior to my interest payment of {$71.00} being due ), there was only one online option to transfer funds to HELOC when transferred funds to bring my outstanding balance outstanding to XXXX. My account online reflected this. 
On XX/XX/XXXX, while online, I noticed that my HELOC showed a balance of the amount of the interest outstanding ( interest that was still not due until the XXXX of the month ). 
I called the bank and they indicated that 1 ) they had changed the online interface and any payment will be applied to any outstanding interest first - then principal and 2 ) the only way to have a payment applied to Principal only was to call the bank. I was never notified of this change by the bank. This is deceptive and predatory tactic by Citizensbank - as interest calculations on these accounts are based on daily balances - so this change ensures that the bank essentially earns interest on interest that they have received earlier than it is due! Please help! This is wrong!
Consumer complaint received 2019-08-08
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. (GA)

I have disputed the accounts below with XXXX, Experian and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, Experian and XXXX to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX   XXXX  : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX  Thank you, XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (IL)

On XXXX XXXX NAVY FEDERAL CREDIT UNION, carried out an unauthorized transaction for amounts I directly disputed and DO NOT LAWFULLY OWE and despite this consumer having rescinded his consent XXXX XXXX, to be liable for any unauthenticated amounts. I conditionally accepted there demands for the corrected statement and tendered payment in lieu of cash payment. The company has taken my payment and continues to come after me. The company has failed to follow any thing close to law. This is not a duplicate complaint. This is an additional complaint. How may a company continue to debit my checking account for debt that I have disputed as not owing? I have rescind my consent previously, is there something I am missing? This is organization is a fraud and must be stop, Abuse to veterans with all they have when they are double dipping by taking my discounted coupons and my cash. This is a fraud and represents a grave mistrust to the public.
Consumer complaint received 2022-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the FCRA ( Fair Credit Reporting ACT ), any items that are reported on my credit must be authorized and correct. I reviewed my credit and noticed that there were inquiries reported that were not authorized. I have contacted the creditor as well as the credit bureaus and they have not responded to my request to remove these items. I requested these items be removed on XX/XX/XXXX. I called again on XXXX/XXXX/XXXX and still have gotten no response or assistance with these items that are not mine. 

Capital One Date of the inquiry XX/XX/XXXX Capital One Date of the inquiry XX/XX/XXXX
Consumer complaint received 2022-03-17
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 (CA)

At the time I saw charges on bank of America I claimed fraud because it wasn't me that authorized it. 

XX/XX/2022 XXXX it was concluded that the merchant provided a receipt to have received the serviced.. Of course it was received..it 's unauthorized to begin with... I didn't receive it. This was sent via letter on XXXX. No I don't have it.. I teared it up today I was frustrated with bank of America. 

The others charged successfully disputed. 

I called a 7 to 8 times to find out pending claim and i gotten mix answers yes I have one no I don't have one and I did have one and it was the XXXX. I checked and saw there's another pending XXXX for XX/XX/XXXX claim id XXXX that's pending when. I check the bank of America app... I was confused on the phone, I mentioned about family members who makes unauthorized charges and it was the Tennessee rep taken it sorry it was a family member, it's not subject to fraud. Once said can't be removed I didn't even know that rule ... in the future how do you claim fraud if you didn't know anything about it in the first place and I was doing my due diligence to dispute them as I checked my account. I saw the unauthorized charges and did dispute. 

It's just frustrating, I thought it was successfully fraud claim and saw to my surprise a charge.and now a pending...
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

On Thursday, XX/XX/XXXX, I received a text message from Chase bank asking if I attempted a XXXX  XXXX payment on XX/XX/XXXX? I responded " No '' and was told that someone from Chase would call me. I then received a phone call from Chase Bank asking me to verify my account and they told me they were able to prevent the scam from happening. They then gave me some steps to do to cancel out the attempt via XXXX. They told me to add myself as a recipient by putting in my mobile number and email and I did. They told me that it would take 20 minutes for the money to show back up in my account and if it didn't call Chase bank. After 35 minutes I called Chase Bank to get an update and the representative said they had no record of what I was talking about and told me that I was scammed. They then put a claim in and told me to contact them in a week to get an update because it was going through XXXX.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for six months, adding up to a total of {$3500.00} and XXXX. The email linked to my Paypal account is XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The information from XXXX XXXX XXXX XXXX is incorrect. It needs to be updated to paid in full attached is documentation that this account has been paid in full years ago. I would like all derogatory information removed from my credit report, XXXXXXXX XXXX and experian immediately.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (WY)

Original creditor was XXXX XXXX XXXX XXXX whom I signed a XXXX year contract for alarm monitoring. Their company folded and XXXX XXXX XXXX picked up the account. 
I completed the XXXX year contract obligation in XX/XX/XXXX. At this point it went to month to month based on the contract. In XX/XX/XXXX I stopped paying for account as someone had gotten ahold of my credit card # that was used for auto pay to XXXX XXXX. 
Since my original XXXX year contract was paid as agreed I have no idea why XXXX XXXX XXXX decided to bill me for {$2800.00}. I had never received any bill or past due bill from XXXX XXXX. 
I started receiving phone calls from United Legal Group ( collection agency ) /Credit Collection Bureau in XX/XX/XXXX and I worked in good faith with them for at least 4 months trying to correct the issue. I requested and received a validation of debt via E-mail on XX/XX/XXXX from Credit Collection Bureau. I provided proof of my payment beyond contract date twice to them after receiving their validation of Debt E-mail. Twice they stated that they would take care of it. I didnt hear anything from them and now they have placed it on my credit reports as originally owing {$2200.00} and now owing {$3200.00} as of XX/XX/XXXX. I have the email chain, the validation of debt they sent, and the documents I sent proving I had paid my contract beyond the XXXX  years. 
I have worked very hard over my lifetime to keep my credit score XXXX which is now destroyed over this action.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.