davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: JPMORGAN CHASE & CO. (WA)

I had a flight that I purchased with my Chase travel card through their travel booking portal. The flight was canceled so they were supposed to refund my money of about {$650.00}. After weeks of calling and calling, they finally said they had initiated the refund and it would show up within XXXX months. XXXX months later it had still not been refunded. I contacted them and they said the refund had never happened, but they would initiate it then and it would take another XXXX months. I said this was unacceptable as this would be XXXX months at least, and who knows if they would actually do it that time, and I was being charged interest the entire time. I requested a number for a supervisor to resolve it quicker. This was weeks ago. They did not provide me with a supervisor and have since stopped responding.
Consumer complaint received 2022-12-15
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. (NV)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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. (MI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : 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 a account without my written instructions.
Consumer complaint received 2022-05-06
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. (MI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : 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 a account without my written instructions.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OK)

Attemped to use the card to purchase items at XXXX XX/XX/2020. It was rejected by the credit processing machine. Later that day I checked with the company and was told the balance available was {$230.00}. Working with the automatic system I was advised that the account was inactive. I tried to contact a customer service rep but was not allowed that opportunity. The system did not allow it. 

On or about XX/XX/XXXX I tried calling the company again and could not get a customer service rep. When I tried the system hung up on me. I sent an e-mail complaint. The system told me it would be 10 days for a response. But as of today XX/XX/2020 I have not received a response. I have tried contacting the company again today and have spent 1 hour and 45 minutes on hold waiting for a customer service representative. 

This money is unemployment benefits I need very badly. The money was placed on a USbank Reliacard Debit card.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (VA)

In XX/XX/2019, I received a call from Security Credit Services SCS office notifying me that you are a collection agency and that I owned your office {$1500.00}. I informed the person on the phone that it was not account and that I need all the information that was used to open the account so that I could turn it over my local law enforcement Identity Theft department. I was told the information was on the way. 
During a review of my three Credit Reports, I noticed and collection item from Security Credit Services SCS for XXXX. On XX/XX/2019 I forward a certified express letter to Security Credit Services SCS addressed to the owner, Mr. XXXX XXXX XXXX XXXX requesting inform about their demand that I pay them XXXX so that I can file a report with my local police department. As of the date of this complaint on the date of the letter, I have not heard from Mr. XXXX or anyone from his company. Also, in my letter I requested that Security Credit Services SCS or anyone in their employment not call me about this matter. 
In an effort to circumvent federal law ( the Fair Credit Act ) Mr. XXXX company has forward my personal without my consent to XXXX XXXX XXXX to harass me and my family. XXXX is call my home and cell every day, even after I have informed them that is account is not mine. One call from XXXX XXXX, the person on the phone told my wife that If I did not call them back by the end of the day, hey was going for file suit.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Experian XXXX XXXX is reporting an alleged Inquiry for several dates of service : XX/XX/2019 XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

Ally Financial provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me XXXX  days late for XX/XX/year> to XXXX and XXXX XXXX XXXX already got my dispute and correctly removed the XXXX  day late. What happened was for XX/XX/year> I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over XXXX  days late, it was made on the XXXX day, making it not over XXXX  days, which XXXX correctly reported. This incorrect XXXX  day late on XXXX and XXXX is causing me to not be about to close on a home mortgage for my family. Ive never paid XXXX  days late on any account on my life, and this error is harming me and my family severely. Ally Financial is incorrectly refusing to remove the XXXX  day late with XXXX And XXXX. XXXX attaching a copy of XXXX removal of the XXXX  day later from XX/XX/year> reporting.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX my husbands card was declined while trying to make a purchase. We contacted ally and they wanted to verify a transaction that was done around XX/XX/XXXX. We confirmed it was our charge and they fixed the error. On XX/XX/XXXX, my husband went to make a purchase and was declined again. He tried to access the mobile app to see what was going on and was denied access. We called customer service and they stated they could not tell us why as it had been assigned to special agent customer service and they could only contact us is 1-2 business days. We informed them this was unacceptable as we had plans for the weekend and needed access to our accounts. They refused to help stating they did not have access to what was going on with out account. There is plenty of money in our account, we were not notified they were restricting access and now we have to cancel our plans for the weekend because of some unknown error on their part.
Consumer complaint received 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I was transferred to XXXX from XXXX last year after applying for Public Service Loan Forgiveness.  I have always made my payments on time and intend to continue to do so. On XX/XX/2017, I received notice that I needed to recertify my income to stay on the Income Driven Repayment Plan. I uploaded and mailed the recert papers to them before 30 days had passed. Just a couple of days after uploading, I received a notice that since I had not submitted the papers, my XX/XX/XXXX payment would be $ XX/XX/XXXX- more than 1/4 of my income! 
After many calls and reassurances that they had the papers and would be processing them soon, they did take out that entire amount from bank account. I had to borrow money just to keep living. I would appreciate it if they would refund the amount paid less the amount of my regular payment.

I recently submitted a change to direct debit form after changing my bank, and they still have not processed that. I'm sure that they'll XXXX that up too and put me down as late.

Each time I contact them I am assured that everything is fine.

I'm looking for another servicer-
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I have had an account with American Express Bluebird for several years with no issues. then on XX/XX/2019 at XXXX XXXX I received an email that my account was suspended. I wasn't sure if It was a spam mail or not so I called the number on back of my card and it was confirmed by a recorded message to be suspended. I then called the number given in the emails and asked why this happened and the representative I spoke with said he was not allowed to tell me then promptly hung up on me. I am on SSI XXXX and have it setup direct deposit. It looks like I will not be getting my check for XXXX because of this, I need that to pay my rent, electric, groceries, and to travel for several medical appointments coming up. I also had a remaining balance on the card I would like to get back.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

We have gotten numerous calls from  " Southwest Credit '' f rom  XXXX  asking us to call their number  XXXX . Caller ID shows the number as  XXXX   XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the  XXXX  number she talked with a "  XXXX   XXXX  '' that told her that they were trying to collect money for an address of  XXXX   XXXX   XXXX   XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated  XXXX   XXXX ,  2017 . We have never been in collections for anything in the past. I received another call from this number (  XXXX  ) today with a voicemail that stated it was fro m Southwest Credit and I  needed to call  XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have been receiving harassing and threatening telephone calls from a Bank of America representatives in regards to my Bank of America Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Bank of America to delete and remove the debt of {$600.00} from my credit card account.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

XX/XX/XXXX, I received a Promotional Offer from Citizens Bank that came in the mail, offering up to {$600.00} if I opened a new checking and saving account. On XX/XX/XXXX, I went to the branch whose address appeared on the offer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) and spoke with Associate XXXX XXXX ( XXXX ID # XXXX ). I explained that I just received this offer in the mail and asked her what I needed to do to receive the offer. I gave her the offer and she asked me if I wanted to open up both accounts to receive maximum offer of {$600.00}, to which I said yes. The offer required a minimum deposit of {$15000.00}, be maintained for at least 3 months, and the checking account required a direct deposit of {$500.00} or more within 60 days. The offer states that if the deposits were maintained for the required period, the bonus would be paid by XX/XX/XXXX. 
I opened a XXXX XXXX account and deposited {$15000.00} by way of a personal check. I then opened a XXXX XXXX XXXX account with a {$200.00} personal check, and my Bi monthly direct deposits of {$170.00} started on XX/XX/XXXX and continued to date, totaling over {$1400.00}. 
On XX/XX/XXXX, I contacted the customer service department after becoming concerned that I had not received a notice advising that I had met requirements of the offer, and date I would receive my bonus. Customer Service Associate XXXX XXXX XXXX XXXX office ) who reviewed my account and the offer, and believed that the requirements of the offer had been met, and advised that he would submit a pay request, and I should have the bonus within XXXX business days. 
When I did not receive the bonus by XX/XX/XXXX, I contacted Customer Service again and spoke with a XXXX XXXX XXXX XXXX XXXX ) who stated that I should receive my offer bonus by XX/XX/XXXX. 
When I did not receive a deposit in my account by XX/XX/XXXX, I again contacted Customer Service and spoke with Supervisor, XXXX XXXX. She would try to explain to me that I did not meet the requirements of the bonus, because I did not make a one-time deposit of {$500.00} or more from my direct deposit. She then referred the entire case back to the original Branch office to be investigated by XXXX XXXX XXXX ID # XXXX. 
This complaint was supposedly turned over to the Branch manager on XX/XX/XXXX, and to this date XX/XX/XXXX, I have not been contacted by anyone.
Consumer complaint received 2019-07-09
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: JPMORGAN CHASE & CO. (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company is reporting a few alleged Inquiry ( ies ) for  dates of service : XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of  truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

My credit card currently charges 28 % interest rate and refuses to lower it. They say this is the lowest apr available but no other card I have is like this. XXXX XXXX card is unethical and charges as much interest as a loan shark. When I try to get this lowered they send me the same form letter no matter what I ask or say.
Consumer complaint received 2022-12-15
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. (NV)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
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. (CA)

I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.