davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I received an email from Citibank that I would receive XXXX Thank You Points toward my account if I referred my friend to a Citi Premier Card with the stipulation that he spend {$500.00} in the first few months of that card. I referred a friend and he was able to reach that required amount of spend. It has been roughly four to five months since I have referred my friend to Citi and they have yet to give me my promised XXXX Thank You Points. I want my promised points, I'm tired of calling in. My case has been documented all over Citi bank account.
Consumer complaint received 2019-06-26
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 (OK)

Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year
Consumer complaint received 2016-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

m account was hacked and the bank froze {$500.00} dollars of my money on XXXX XXXX 2016 they still have not put it back in to my account when I talk to the FRAD DEPARTMENT THEY TILL ME IT GOING TO TAKE LONG IT BEEN OVER THIRTY DAYS.
Consumer complaint received 2015-05-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Concord Resolution Inc (Closed) (TX)

On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

There are two debts on my credit report that I am unable to discern exactly what the debt is for or who it is from?

It is medical it seems.

I have and had two ( 2 ) insurance companies. One paid health plan and the other is Veterans Administration and surely covers all emergency related costs.

Was a claim denied? Please provide evidence. What is the original invoice and for what. Both debts are within 100 dollars of each other and filed on the same day? Are they duplicates? 
Please advise
Consumer complaint received 2019-06-26
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: U.S. BANCORP (MD)

Hello I have been customers of Us bank for over 2 years We had a secured credit card and was offered to upgrade to an unsecured card on XX/XX/XXXX We clearly asked if our credit would be run to change to an unsecured account and told no it would be based off our payment history with US Bank and I would receive other offers in the mail if we qualify We received new cards in the mail for our new unsecured line of credit for the same limit of 300 However our credit was run I called to ask for a solution to reverse the inquiry to the credit bureau or give us a higher line of credit as 300 is not acceptable when our credit is good and we have other cards with 10x the limit The supervisor XXXX was not helpful and directed us to dispute with the bureau We requested to cancel our account as we were deceived and the supervisor could care less We will be filing a complaint with the FTC and federal reserve These are deceiptful business practices
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person. 

they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it. 

here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX
Consumer complaint received 2019-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I dont recognize those inquiries : 1- XXXX XXXX XXXX ( National credit card/Airlines ) on XX/XX/XXXX. 

2- XXXX XXXX on XX/XX/XXXX. 

3- XXXX on XX/XX/XXXX. 

4- XXXX on XX/XX/XXXX. 

5 XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I opened a checking account with BMO Harris Bank on XX/XX/2023 ending in XXXX with {$100.00} in initial funds. 

I deposited my payroll check of XXXX on XX/XX/2023 after a failed ACH payment via mobile deposit. I received a deposit received and deposit approved message on XX/XX/2023. 

I received a voicemail from an XXXX, supposedly from the fraud department, ( XXXX ( XXXX ) XXXX ) on Friday, XX/XX/2023 at XXXX XXXX Central advising me to call him back in regards to the account. I tried calling back at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX the same day and it goes straight to voicemail. On XX/XX/2023 I learned my debit card and online banking access had been disabled. I called the number on the card and was advised to wait and call on Monday by the rep so I can talk to the fraud department. Due to one missed phone call, I can not access my account for over 3 days. 

On Monday XX/XX/2023, I left XXXX a voicemail at XXXXXXXX XXXX Central. I also called the XXXX number on the card to see if I can talk to someone in the fraud department. I was on hold for over 45 minutes and when I called the XXXX number and refused to be transferred, I was told they can not contact XXXX. I was told I can go to the branch to close my account. 

I went to the branch located on XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and spoke with XXXX XXXX and was told she can not contact the fraud department and she can not close the account so I can get my paycheck. I asked to submit a formal complaint and after some time was told feedback had been submitted. A copy was not provided to me, therefore I doubt if anything was actually submitted. 

In response I am hoping the CFPB can get a hold of someone at the bank who can resolve the 'fraud ' issue and release my account. I will then likely close my account out of frustration. There is a clear sense of incompetency and red tape that will tie up the consumer out of their hard earned money and I advise consumers to avoid banking with BMO Harris Bank.
Consumer complaint received 2019-09-19
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: Coastal Credit, LLC (GA)

I opened a loan with Coastal Credit in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX etc.
Consumer complaint received 2023-08-19
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: Volvo Car Financial Services U.S., LLC (CO)

Visited car dealership with pre approved financing from my bank. Dealership had me fill out form to only verify my personal details. I specifically stated I did not give consent to have my credit pulled from dealership as I already had financing through my bank. They pulled my credit. I confronted financing employee and he said its standard procedure. Salesman confirmed again that I did not give consent. I have documentation showing dealership was provided financing information from my bank. Both employees acknowledged I did not consent. I called XXXX, my bank, and they also confirmed dealership should not have pulled my credit since I had provided proof of financing.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-04-10
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is continuing it's institutional racism business practices, and collude with credit reporting agencies XXXX, XXXX, XXXX in erroneously inaccurately reporting my XX/XX/2019 mortgage payment as 30, or more days late. 

( Attached ) is my XX/XX/2019 payment receipt, which clearly shows that my payment was timely made at XXXX XXXX on XX/XX/19 which I have forwarded to ALL 3 credit reporting agencies requesting that they properly correct, and update their reportings to NO AVAIL .... 

This again is Chase implementing their institutional XXXX business practice to disparage, and suppress my creditworthiness, and employment viability.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (FL)

I checked my credit and saw an account from FOX COLLECTION CENTER for XXXX XXXXXXXX in the amount of {$380.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

FOX COLLECTION CENTER did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPAA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against FOX COLLECTION CENTER should this item not be deleted within the required time allowed by law. 

FOX COLLECTION CENTER is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.
Consumer complaint received 2017-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

In  XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced??   and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month.   They wont let me pay it down, every month it goes up.   I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks.   They continually up my payment and add more debt. EVERY month!   THERE IS NO HOME TO INSURE ON THIS PROPERTY!   Since I made a complaint to CFPB they are getting worse punishing me for complaining.
Consumer complaint received 2019-10-09
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. (CA)

I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions LLC, I've tried on several occasions to settle the debt on with XXXX, XXXX XXXX, and I've been lied to, intimidated, threaten, mislead, and consistently harassed. When I tried to pay the debt, I consistently asked for a website to pay the debt and have some kind of paper trail. When they finally conceded, they gave me a website that had been shut down by the federal government for suspicious debt collecting practices. This shady behavior continued. They called my parents, lied about who they are, used 12 different phone numbers, left multiple voicemails, and called after I had asked them to put me on a do not call list. Lastly, I tried to settle the debt and pay it off. A number of complications occurred when they tried to deny the settlement payment to get me to pay the full amount. 

I've tried all different avenues to settle this and have had no success. They constantly change their terms, fail to abide by their own rules as stated in the faxes sent to me, and have even hung up on me while I try to pay the balance. 

XXXX XXXX
Consumer complaint received 2020-02-09
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019, I ordered flowers from online retailer XXXXXXXX XXXX XXXX for $ XXXX.and got an immediate confirmation of my order and funds were deducted from my American Express Serve Prepaid Card . I replied back to the company as to when the flowers would be delivered and they replied back that the order could not be serviced due to the holiday rush, and that a full refund would be issued to appear in 2-5 days. No refund. I inquired again and was advised that they had a system issue and a refund would be issued immediately and I could expect it in another 2-5 days. I immediately contacted American Express Serve and they advised nothing could be done by them for approximately 14 days, and to contact the company for a refund. I went online to research XXXXXXXX XXXX XXXXXXXX and there are hundreds of complaints about this company stealing money from consumers and not delivering goods. I only used this company because it popped up as a local florist. 
After several unsuccessful calls to AMEX Service, I was finally got an email with a dispute form attached to complete. I actually faxed this dispute information to AMEX serve twice and still no response from the company at all. As the dates show on the attached paperwork, weeks have passed and I have not heard back from AMEX regarding this charge and I want my money back!