davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$600.00} on my Chase credit card account on XXXX and XXXX 2019. I was grossly overcharged for my stay at the XXXX XXXX in XXXX, XXXX. I had paid cash and the perceived balance by card but was not properly credited for my stay. I had an earlier dispute on this transaction denied by Chase of {$480.00} which that amount is incorrect. For the record the amount in dispute is {$600.00} as shown on this letterhead. I faxed my inquiry to Chase but somehow they refuse to look into this matter. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the letterheads from the XXXX XXXX XXXX supporting my position. Please investigate this matter and compel Chase to accurately correct the billing error as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Dear Mr . XXXX, Thank you very much for the stay at XXXX XXXX. 

As we discussed by phone, I am pleased to send you the short explanation of your invoices. 

Reservation XXXX XXXX : the night was paid with points, there are only extras on the bill. The whole authorization has been used for the payment. XXXX HUF->XXXX  USD Reservation XXXX XXXX XX/XX/XXXX : We made an authorization of XXXX HUF ( approx. XXXX USD ) ,2 nights have been paid by card and cash- XXXX HUF ( approx. XXXX USD ) and with card XXXX HUF ( approx. XXXX USD ) therefore your bank will release the rest of the hold on your card which is XXXX HUF ( approx. XXXX USD ). 

Please find attached also the 2 statement of the used credit card history related to your stay. 

If you have any further question, please do not hesitate to contact me any time. 

Best regards from XXXX XXXX Front Office Duty Manager XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. 
XXXX, XXXX, XXXX Tel : XXXX XXXX XXXX XXXX I Mobile : XXXX XXXX XXXX XXXX XXXX This hotel is owned by XXXX XXXX XXXX XXXX and is managed by XXXX XXXX XXXX XXXX. 
Print responsibly Please consider the environment before printing this email. 
Download all attachments as a zip file XXXX_30_01 .pdf 21.5kB XXXX_29_30 .pdf 21.6kB
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (MI)

I have disputed this alleged account they failed EVIDENCE BEARING MY SIGNATURE VERIFYING THE ACCOUNT AND HAS FAILED TO RESPOND IN 30 DAY PERIOD AS REQUIRED BY LAW A THEY STILL REPORTING WITHOUT PROPERLY DISPUTING.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

In XX/XX/XXXX, I suffered some serious medical complications that almost killed me. Recovery was slow and in the end, I was unable to return to my job. I faxed Navient in the spring of XX/XX/XXXX to let them know of my situation and asked for a deferment. I also sent a request electronically through their website, but I never received a response. My student loan went onto default and was sold to a debt collector, who jacked up the interest rate and tacked on a collection fee. My federal tax refund was taken to pay back my loan, which had increased from {$1000.00} to {$1600.00}.
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.
Consumer complaint received 2022-06-11
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: SYNCHRONY FINANCIAL (FL)

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : SYNCB/JCPENNEY  Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. 
I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' SO HOW IS XXXX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? 
PLEASE FIX THIS ISSUE IMMEDIATELY.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?
Consumer complaint received 2022-06-14
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. (NJ)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-21
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: PNC Bank N.A. (FL)

In accordance with the Fair Credit Reporting act XXXX, PNC Account, 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Late Payment Dates : XXXX, XXXX, XXXX - XXXX XXXX, XXXX, XXXX, XXXX - XXXX XXXX - XXXX
Consumer complaint received 2022-11-30
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. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the XXXX window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

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

15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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. 


15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XX/XX/XXXXXXXX XX/XX/XXXX- XXXXXX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX 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 An Account Without My Written Consent.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (AZ)

I had an account with Avant that they sold in 2016. They are still reporting that the loan is 120days past due. They do not have any business with me right now. The loan shows a {$0.00} balance but they are reporting it as 120 days old. I have tried to contact them and the credit bureaus but they refuse to correct it.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

i have filed numerous disputes with this company and they fail to remove fraudulent reports and information on both mine and my wife credit report, furthermore they have several listings on my wife and my report that are the same and are invalid, open dates have been found to be invalid and and changed which is also illegal, 100 % of all thing s listed are inaccurate and or invalid, i have no contracts with anyone listed on my credit report, except XXXX, and as far as the law is concerned completely invalid, false documentation is filed with all reports on my credit report, i have spent thousands of dollars to have it all removed twice before, the only debt i have is my car which is almost paid in full, which is funny because they got my car listed as a chargeoff which it isnt, and ive been paying them every month on time, all other listings are invalid or illegally listed
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (VA)

In accordance to the fair credit reporting act XXXX  account XXXX XXXX XXXX Co, 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 states a consumer can not furnish an account without my written instruction
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (CA)

A place called Capital Management Services continues to call my number looking for a completely different person ( a woman by the name of XXXX, yet I am a man who knows no XXXX ). I have had my number for almost two decades now so clearly there is a mistake. I have asked them repeatedly to take my number off my list as I have nothing to do with this issue, yet they continue to harass me. The last person I spoke to was XXXX XXXX, and her supervisor is XXXX XXXX. Please make them take me off their list. Thank you.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CT)

1 ) I am contesting that XXXX XXXX does not have my original loan documentation and that if XXXX XXXX can not provide these original documents, I am not bound to contract with XXXX XXXX. 
2 ) If my original loan contracts can be produced to me : my account is currently " on hold. '' I am currently waiting ( indefinitely at this point ) while XXXX XXXX processes my request to change my IBR plan to IDR plan. XXXX XXXX is not honoring the 10-day review and processing time-frame. This request began on XX/XX/2018 ( now two months ago ). This is unacceptable. I have had numerous delays in the past. I believe these delays are due to the lack of original loan documentation. Further, XXXX XXXX is not honoring their contract with me to provide me adequate measures for loan repayment. If my original loan documents can be produced by XXXX XXXX, then XXXX XXXX needs to provide me with responsible service and acceptable means for loan repayment.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

I opened a credit account with Comenity Bank for merchandise I ordered from XXXX in XX/XX/XXXX for {$1400.00}. 

There was a 0 % promotion that expired in XX/XX/XXXX. All my payments were on time and paying down my balance. Then in XXXX the promotion expired, so they charged me interest. The problem is that the statement says that the XXXX is 27.99 %, and my balance at the time was {$260.00} - so that should be {$73.00} in interest right? Instead, they charged me {$260.00} in interest - they charged me interest on the entire balance I had originally borrowed, including the balance I had already paid off! How can they charge me interest on money that I had already paid back?!?! And why does n't the interest rate they show on my statement reflect the real interest I 'm being charged? 

And since then they 've been charging me more interest every month and late fees on top because I opened a dispute and they rejected the dispute. 

This is completely unfair and predatory. They 're wait times are astronomical so I can barely talk to anyone. Please help!
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

CASH APP is the problem and have been the problem for a while now. It has been 3.5 days since I've been able to access my funds on cash app. I believe they are being hacked. I have money in that cash app account that needs to be with drawn ASAP!!!! 
They don't have a number to call, I tried to log in on the computer but it keeps telling me to use the app. ( App hasn't worked for me in 3.5 days. I've logged out and logged back in, still same XXXX XXXX XXXX XXXX I NEED MY MONEY NOW!!!!!!
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given XXXX Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-20
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: John C. Heath, Attorney at Law, PLLC (IL)

I called this company when I found out that they were they miss represented they said I gave him my credit card information and expected them to work on my credit at the point of my credit report and accessing my personal information that I found out that they're not a credit repair service it's actually ran by something already marketing I am bringing this until you guys and I'm going to reach out to the lawyer when I called the company and asked them to delete my information and delete any service that I have with them that refuse to do that and say that they could not do that I need to see what kind of stuff I need to take for to go from here
Consumer complaint received 2018-08-02
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: CITIBANK, N.A. (NY)

On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (NC)

I was persuaded by XXXX XXXX XXXX XXXX to send him money through World Remit to him. He is located in XXXX and claims to be a doctor and have nutritional products. I paid XXXX through World Remit. He never sent the products to my home address and stopped replying after I asked for update and eventually refund.
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2001 I withdrew {$5000.00} from my Ally Invest Account into my Ally Savings Account. I was charged {$280.00} by Ally Invest, they labeled it a Pre Pay fee. As listed on Ally Invest 's website, Pre Pay Settlement Fees are {$20.00}.