davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I filed a dispute on XX/XX/XXXX in a total amount of {$9800.00} because I did not receive the service/merchandise of what I purchased from the merchant which was XXXX. Huntington Bank is saying researchers deem the transaction to be valid. I never said that there was fraudulent activity with my debit card I said I did not receive the service I paid for. The bank decided to close my account and deny the dispute when I sent multiple supporting documents of me not receiving what I paid for. I reported the issue after several attempts with the merchant to make things right. This was the first time I have had issue with the merchant after multiple transactions now I believe I have been scammed by XXXX who also uses another name to scam people XXXX its very confusing. Huntington Bank only did this because they did not want to actually investigate. The scammers charge the card with different processors that are foreign sometimes which Huntington bank should be able to see that the merchant uses the different processors with different descriptors every transaction. I have screenshots of the merchant XXXX telling me that they wont charge my card until they can send me what I purchased the card was charged before or at the exact time I received an email saying I would not be charged until they were able to send me my product. I have the times of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I received the email saying I would not be billed and my card has not been billed. I asked Huntington Bank to check the timestamps of when my card was billed which would show u clearly the email was a lie and that the merchant had already took the funds from my bank account. I was scammed but the bank does not care and didnt do an proper investigation because the bank decided to close my account. The two transactions are not valid as there were issues with the transactions starting with the timestamps of my debit card was billed then me not receiving what would have been paid for. It is odd that Huntington Bank tells you that you could send in documents to support your claim but close the claim before they could even receive it if you sent the documents by mail. The dispute number is XXXX. I was charged when I shouldnt had been as my merchandise/service was not going to be sent to me. The merchant is saying that there were fees thats why I did not receive anything which is a lie the site says it doesnt charge fees & how can a fee be for the whole transacted amount that is unbelievable. These people are operating under two different names to cover up the scam.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lending Club Corp (IL)

I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.
Consumer complaint received 2017-10-18
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. (MI)

I went into a XXXX XXXX store and asked where to pay my balance and return an item. I returned the items and knew my product was less than XXXX bucks of my balance. I attempted to give the cashier XXXX dollars and she refuse saying the systems shows no balance and mentioned the product I brought was not on sale so item returned at the higher price covering the XXXX cent balance. Either the system or teller was wrong, as Corporate XXXX XXXX said I owed XXXX cents and became 30 days late XXXX XXXX for the XXXX. I never received a bill or notification. I wrote a letter along with XXXX dollar bill and sent it to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX as a prevention method. 
Two customer service reps one XXXX other unknown wrote internal complaint letters on the handling and requested cashier training on clearance and sale return items. 
I am still fighting for a lower Mortgage rate that was hiked because of this issue
Consumer complaint received 2022-03-29
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)

In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions None of the accounts were deleted from my account and are affecting my financial situation.
Consumer complaint received 2021-11-12
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I tried several times over the past year to pay this credit card bill online and it never went through. I called the company and paid the balance and they help the payment until it was past the de date. hey charged a {$41.00} late fee after the account was closed. The balance ballooned to over {$280.00} and they are ruining my credit. I found this out when trying to pre qualify for a mortgage.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XX/XX/XXXX a total of {$24000.00} was stolen from our ( XXXX XXXX and XXXX XXXX XXXX ) Chase Bank Account based in XXXX XXXX, CA through wire transfer fraud whereby these funds were wire transferred to XXXX XXXX XXXX XXXX of XXXX Florida without our approval or authorization. The description of the wire transfer was for the purchase of XXXX XXXX automobile. We did not order, or purchase a XXXX XXXX in XXXX of XXXX nor has XXXX been transferred, shipped, or delivered to us. Contacting the alleged seller they have no knowledge of this transaction, and did not receive a wire transfer. This fraudulent activity was not approved and was direct theft due to identity fraud. Our Chase bank account was " hacked '' and compromised and funds were illegally wire transferred to this unknown, unapproved account by a criminal 3rd party committing interstate wire fraud. Chase bank allowed this transaction to be processed despite the initial blocking of this transaction and our statement that we did not approve this transaction, and our demand to lock the account. 
The attachment indicates that the Chase had blocked the fraudulent wire transfer on XX/XX/XXXX pending the security review. At that time we believed our account was locked and protected. After the XXXX of XXXX additional attempts by the hacker thief/criminal were allowed to result in an unauthorized wire transfer ( via XXXX, and domestic wire transfer ). We had responded to Chase email inquires questioning if these transactions were authorized, and in every instance we stated that non of the transactions were authorized and that the account should be locked. Chase failed to lock the account, and allowed fraudulent wire transfers to be made despite clear indication that they were fraudulent in nature.
Consumer complaint received 2022-05-16
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. (NJ)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have rights 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 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2019-07-25
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. (FL)

XXXX, XXXX AND TRANSUNION HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (AZ)

On XX/XX/2019 at XXXX we received a call from CONVERGENT ( XXXX ) asking for XXXX XXXX. After connecting with an operator I stated that we were a company and the operator disconnected the call immediately
Consumer complaint received 2019-01-25
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. (NY)

I am experiencing an issue where Chase Bank is not fulfilling their obligations regarding transaction disputes and Visa network rules. I experienced a problem with a deceptive travel website and after I was charged, immediately called the merchant to let them know of the mistake and demand a refund. They refused, so a filed a dispute with Chase. They have denied my dispute and refuse to take any action, even though the practices I experienced with deceptive and misleading. Here is the information I provided to Chase : Dear Sir or Madam : As I indicated on the enclosed form, I do wish to continue with the dispute process. I believe the website design used by the merchant is deceptive and misleading to consumers. Also, I believe that even a reservation disclosed as non-refundable should be able to be cancelled if due to a typo or honest mistake and addressed immediately. It is unreasonable and unethical to refuse to honor an immediate cancellation for a misunderstanding caused by a misleading website. 
Here are additional details regarding the scenario for your reference : - On the date of the charge, I was searching for hotel rooms using several travel sites, including XXXX. My date of travel was approximately one week away. 
- I noticed that the default date search range was for two weeks out, past my intended travel date. Naturally, I changed the search parameters to meet my intended travel date and browed several results, read reviews, etc. 
- I did the same at several travel sites simultaneously. I never closed out my XXXX browser window. 
- Back on the XXXX site, I navigated back to the search results, picked a property and made the reservation, paying little attention to the dates selected, as I had changed them already. I was not aware that the behavior of the XXXX website discards your selection and changes their dates to make prices appear more favorable. This is a deceptive, unethical practice. 
- As soon as I received my email confirmation, I noticed the error and immediately called XXXX. This happened in less than 5 minutes after the reservation. They claimed they would negotiate with the hotel to cancel the reservation. I do not know what they actually did, but when getting back to me, they told me they were not successful and I could not get a refund. They offered to move my reservation for a substantial increase in price. I declined. 
A website may attempt to claim and enforce unenforceable terms and conditions, however I did not agree to this practice and there was no meeting of the minds. 
Thank you for your consideration and help in this matter.
Consumer complaint received 2022-05-16
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. (NJ)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have rights 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 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Update to complaint Filed with ( XXXX ) XXXX consumerfinance.gov XXXX XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems Froze my credit card CAPITAL ONE BANK USA Date submitted XX/XX/XXXX Just received email From consumer finance That you were still working on this Document Upload Success Print this page Case Information Case number : XXXX Reference number : XXXX After numerous attempts Of faxing my documents to capital one they are still saying they never received them Finally they sent email with link To upload my documents Uploaded so many documents so many times Still saying never received them Finally one day they said received them But you still need to provide us with the picture of my ID back side Still have uploaded numerous times They still have my account froze My XXXX XXXX account is linked to both my credit cards with capital one which i have used since XX/XX/XXXX to pay on my account Having my personal banking information is proof enough of my identity But no thats not good enough Federal law states If your ID doesnt have your current address they can request utility bill I have, already uploaded here documents capital one has I have sent more since then that i will upload as well
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

I informed the company by written notice and verbally that I am a victim of identity theft and as a result this account was fraudulently opened to obtain a apartment. I have made countless attempts to reach out to them however, they have failed to respond to my verbal and written notices, instead they sent my account to collection without giving me the opportunity to dispute the debt. The amount of debt Rent Recovery Solutions, LLC claim I owe is {$3200.00}. The account number is XXXX. No one answers the phone, after I am prompted to click option 2, the phone hang up. 

I have sent letters such as Identity Theft Affidavit, FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible.

also enclosed a copy of the FTC 's Notice to Furnishers of Information which explains their responsibilities when reporting information to CRAs. PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

I requested to close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit file. I also ask for written documentation.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (DE)

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I was approved for a Loan from the SBA because I'm an independent contractor who need it help because of the covid19 pandemic. The SBA approved my application and sent the money to my checking account with Citibank on XX/XX/XXXX. Citibank automatically froze my account and eventually on of matter of day closed my account. I call them to verify what the situation was and after several calls and hours of trying to get the right information, they said that it was because My account was a personal account and the money should had been deposit into a business account with an EIN. I explained them that they were incorrect in this assumption because the SBA loan was aiming for smalls businesses and independent contractor, that smalls businesses does need an EIN but not the Independent contractor and that the SBA did they due diligence and clear me out before approving my funds. The bank sent me a letter saying that the will return my funds back to the SBA that any further information should be directly with them since in around 30 days the money will be return. I call the SBA to update my bank information with a new bank institution XXXX XXXX XXXX XXXXXXXX ) back inn XXXX and I contacted the SBA so they could re transfer my funds to the new account. After 6 months of back and forth with the SBA they told that the bank never return the funds. Citibank said that the funds are in a loop, they always tell me that someone will contact me to resolve this issue but I'd never received I call back and the SBA start charging me for a fund I have never used because of the Citibank unilateral closed my account.