davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2019 I was a victim of fraud. I purchased tickets off of XXXX and paid through XXXX via my Chase checking account. Within an hour of the transaction I discovered the transaction was fraudulent and attempted to stop the money transferring, but soon learned I could not and that there is no consumer protection for this. I called the banks 24 hour customer service who further validated this. The transaction was still showing as pending when I called, since it was a Sunday night, but the woman I spoke with, XXXX, said that there was no way to stop the transaction.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2019 I called Chase to close all three of my credit card accounts. The balance was already XXXX on two of the accounts. On XX/XX/XXXX, I made the payment of XXXX to close the third account. I called Chase to process the payment of XXXX for the third account and request Chase close all three of the accounts. The Chase operator spent significant time talking me out of closing the accounts, with a specific focus on keeping the one which I was making the final payment on open. I was clear and stated that I wanted all three of the accounts closed and ensured that the XXXX would close all the counts. After much conversation back and forth Chase verbally agreed and confirmed closing the accounts. Chase also confirmed that the account was closed and that there were no additional fees or interest charges to the account. 

On XX/XX/2019 I received a late notice for the Chase account which I had made the XXXX payment, plus Chase had added additional fees. The overdue amount was for an interest fee charge of XXXX cents, and the late fee was XXXX. 

I have paid the XXXX cents. I am concerned that Chase did not close my accounts when asked, and that they went to such effort to keep them open despite my repeated requests. My efforts to close my accounts, now that they were settled, were met with opposition at every level resulting in them not actually being closed. 

I would like all my Chase accounts to remain closed, and to not accrue any additional fees for them.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

I ask, do XXXX consumers have a Right to Challenge XXXX, PayPal over their Refusal to allow competition, regards the choice of who they wish to process payments for items bought online in America?  I was Coerced into taking out a Contract with PayPal in 2015 as payment processor. I purchased 12 items on XXXX, All the sellers claimed they had a contract with PayPal to process buyers payments, PayPal refused to accept my payments for those 12 items, refused to process a payment demand from XXXX for their fees. No reason given by PayPal. I then stated to PayPal I wished to close my account with PayPal, they have refused my request. There have been a number of Class Actions taken against PayPal, v I refer to Civil Action XXXX : XXXX XXXX XXXX PayPal Settlement XXXX Does that mean XXXX and PayPal can Treat Consumers around the World with Impunity? Thank you for your time and help. XXXX XXXX. XXXX. XXXX. XXXX XXXX
Consumer complaint received 2023-08-22
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: SYNCHRONY FINANCIAL (IL)

Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. 
In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. 

If I get any response, it is a request for additional information ( which they already have ).
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2019 Chase sent me a letter that they are ending their relationship with me. They immediately closed the 3 cards I had with them and my checking account. No reason was stated and I called several times to resolve the issue with no resolution. I have been a chase customer for over 8 years and have always been a loyal customer never missing a payment.
Consumer complaint received 2022-10-26
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. (GA)

XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation. 

XX/XX/2022 is when I placed a report to the cfpb to Experian for the inaccurate accounts and on XX/XX/2022 they responded back by confirming that the accounts was 100 % accurate and that they will not reinvestigated the accounts that are inaccurate unless I have proof of inaccuracies. Which I have shown them but they are choosing not to look into my accounts at all. The accounts still has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. So how is it 100 % accurate if all of these are not matching up with the other credit bureaus? I have been disputing these accounts for months now and they are not properly looking into the accounts at all. The attachments below show that they are not doing there jobs at all.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I opened up this account with ALLY Bank in XX/XX/XXXX. My credit reports are reflecting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior tomy hardship all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

On Sunday XX/XX/XXXX at approximately XXXX hrs. {$2600.00} worth of XX/XX/XXXX was withdrawn from my Coinbase account. I did not authorize this transaction. Coinbase refuses to accept any responsibility or blame for their error. They simply gave away my money and said Too bad. 
I feel Coinbase was negligent, irresponsible, and careless with my money.
Consumer complaint received 2022-10-26
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-30
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 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 adverse item of information other than records of convictions of crimes which antedated 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 2022-12-29
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-30
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX 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 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 adverse item of information other than records of convictions of crimes which antedated 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 2022-11-30
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: SANTANDER HOLDINGS USA, INC. (GA)

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 XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Consumer complaint received 2022-08-18
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. (CA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 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 XXXXXXXX XXXX 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 instructions. ''
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (TX)

On the XXXX of XXXX I sent Equifax a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Equifax on Wednesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Equifax for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from Equifax of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Equifax. 

**see affidavits attached**
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I received information that this company has been involved in Deceptive Sale Practice. Which they are supposed to repay consumers a lump sum of money. I believe am in tilted to receive a amount of my money back. 
One Mai Financial.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (PA)

Do not have an contract/agreement with Virtuoso Sourcing to pay aXXXX dollars collection. Never received information about this debt. But it is on my credit report. Mailed a validation letter to Collection agency. Waiting for response. Already worked out a payment plan with XXXX.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank has mailed several applications for credit cards and loans to my home under someone else name ( XXXX XXXX ). I have established contact with their representatives via phone to inform them of this and also requested that they stop since this is a easy method to steal someones identity. 

The last time I contacted them I requested documentation stating that they would no longer send pre-approval mail to my home. The representative stated that it was not possible and as I mentioned I am still receiving mail under for credit offers to my home with the addressed to XXXX XXXX. It is clear to me now that this financial institution has rules or processes in place to truly protect personal information of it's customers and they should be held liable in their failures to protect personal information current and potential customers I received another pre-approval letter addressed to XXXX XXXX yesterday. I'm not sure what else to do at this point. I've also attempted to mail them back via United States Postal service using RTS ( return to sender on the envelope. ) They often get sent back to me again. I had this happen twice.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I have been billed an exorbitant overdraft fees by usbank this is not right. I have attempted to make cash deposits at three different usbank ATMs and I keep getting an error message this Cost my account to be overdrawn also when the overdraft fee was less than {$5.00} I was billed another overdraft fee, I am requesting credit for all overdraft fees totaling {$300.00}. I will attach a photos that I took at an ATMs.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (FL)

Received a MyVanilla card that I did not purchase. Had a very difficult time getting info from company about why/ how this card was sent to me. Requested that they close the account and block my info from ever opening another MyVanilla account ever again. This is obviously a fraudulent scam, but I still don't know how or why this account was opened in the first place.

I was told that someone purchased this card at a store, but I was sent this card to my home. The customer service people I spoke with at MyVanilla were very sketchy and were short on details, but had no problems asking for my personal info!
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VALLEY CREDIT SERVICES, INC. (WI) (TX)

I tried calling the company to make things easier and was willing to pay the debt if they would remove from my credit report. Their response was no and asked for payment and I then stated I would not be making a payment because I was not sure the debt was mine. I have never had a contract with this company and this account from the original creditor should be closed as a charged off
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 (CA)

I opened up a Wells Fargo checking account by clicking on the specific link on XXXX  for the {$400.00} new checking account offer. I have satisfied all of the requirements but Wells Fargo is not fulfulling their end by not depositing the {$400.00}. I have messages from Wells Fargo reps from XX/XX/19 confirming that the {$400.00} would be deposited after I met the requirements which I have. I am starting to think this was another ploy committed by Wells Fargo designed to get people to open new checking accounts and not holding their end of the deal up.