davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/2018 I received a shipment of something I did not order. I immediately contacted Chase Visa credit card and they confirmed fraudulent activity on my account. They closed and re-issued my card. 

I checked my account online and noted 2 fraudulent purchases : 1 ) One item shipped to my home from XXXX for {$440.00} ( dated  XX/XX/XXXX ) and another from XXXX XXXX ( dated XX/XX/XXXX ) for {$830.00}. The latter was shipped somewhere else. I made one attempt to call XXXX to request a return label. There was no answer, and I sensed it was a " shady '' company so I did not pursue further. Instead I requested that Chase follow-up with them for return instructions. Although both charges were initially cancelled, Chase later reinstated the XXXX charge claiming that I had " benefited '' from this purchase. ( it is a large kitty litter box which was of zero value to me. ) My complaint is against Chase, in particular their " recovery/fraud '' team. They are based in the XXXX and I have noticed a disturbing pattern during my conversations with them. They made the following false statements to me : 1 ) The XXXX purchase was a " chip '' transaction. 
( This is impossible as it is an online only company. This was easily confirmed by checking their website. Why didn't Chase check also? ) Here is a link, please scroll down to bottom XXXX XXXX XXXX 2 ) XXXX had my email address therefore I must have made the purchase. 
( The address they told me was a XXXX account which I have never had. ) 3 ) They said I needed to send Chase proof that I did not order this. ( I'm not sure how to prove that I did NOT do something. When I asked what they meant by proof they suggested I send a copy of a police report. I did not file a police report nor do I believe it is the job of my local/state police to handle Chase 's online fraud! ) 4 ) They claimed that I had approved the XXXX XXXX purchase when they knew full well that I did not. I suggested they look into the shipment address for the XXXX charge for clues as to who had my credit card number. They said they would have to charge this BACK to my credit card in order to re-open an inquiry. Why was this not part of the initial inquiry? It seems highly likely to me that the two charges were made by the same person and they could find the other shipment address helpful. 

5 ) Finally, after talking to a Chase Fraud supervisor, she scheduled a conference call for today between her ( XXXX ) and XXXX in which I would participate. I called today to make sure this was happening and was told that the records showed I had declined to be on the call. This is totally false! They eventually admitted to me that they had made a mistake in saying that I refused to be on the call. 

I fully intend to close any accounts I have with Chase after this experience. In the meantime I would greatly appreciate any assistance you can provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sirs : I have spent the last 6 yrs. trying to give Bank of America and now XXXX 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I have an account with Care credit been paying {$100.00} every month, I finaly owed {$300.00} and was going to pay it all off when i looked in my account care credit charged me {$250.00} interest rate!!! How is that even legal!!!! This company needs to be shut down!!! I was never explained that a 95 % apr was going to be charged after certain month period this is a scam and rip off company, and you cant even talk to a live person over the phone. Dont ever apply for care credit!!
Consumer complaint received 2019-02-26
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. (MD)

I examined my credit report during XX/XX/ 2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

This is the third time I have put this forward as it has not been resolved. I really have doubts about whether Mr XXXX actually exists. I have the second letter from XXXX but it is impossible to contact him. I have phoned from XXXX many times and left messages. No-one ever answers the phone.I have even emailed XXXX XXXX ( CEO ) twice but had no response. Why does this bank not wish to communicate with its customers?
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (LA)

My loan was moved to Navient. I requested a deferment several times via email because I was homeless and without employment. I received emails that said all I needed to do to request a deferment was to reply to the email, which I did. I then found out they did not put my loans into deferment like they said and ended up referring them to collections. I still have these emails showing I made multiple requests and even asked them to provide a form if necessary via email. I received these loans at XXXX University, XXXX and XXXX.
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NC)

I have had a XXXX XXXX for years that included as the primary benefit, annual companion tickets as a reward. There is a substantial annual fee. Upon renewal this year, I did not receive my companion tickets. When I called, I was told that the companion tickets had been discontinued. I was not made aware till after the fee. I receive all communcation electronically and did not receive in sufficent clarity to know that the primary benefit of the card 's annual fee had been discontinued. I was also told that there was another card with a higher fee that still has the benefit. And then I was told they do not offer it period. 

As a matter of course, the product should have been cancelled and made clear that it is now substantially different. There is no benefit to the annual fee. I asked that my annual fee be refunded. I was denied. 

Due to the poor communciation concerning the elimination of the reward program associated with the fee, I want my tickets or a refund.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (TX)

talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello! 

I am not happy with Transunion. I sent a letter to open an investigation back in XXXX of 2022. Transunion then sent a letter back with results that said " updated '' along with a credit report.This means that they started and completed the investigation. I know the information is reporting inaccurately and I also know my rights. So I followed up with a letter requesting their method of verification, asking them to properly state HOW they verified this information. 

They then responded with a letter stating that they didn't believe I was the individual to send in the letter. 

My question is, if Transunion didn't believe that I sent the letter, then why did they start the initial investigation? They believed it was me the first time so what changed? I know my rights. I have the right to request an investigation and ask HOW they came to verify the information. 

I have attached several documents for reference. 

I also have reason to believe that they are reporting this information innacuratly on my credit report which is also an issue. 

I demand to know how Transunion verified this information well enough to " update ''. If not, I demand that this information be deleted from my credit report. I have given them ample time.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, EQUIFAX and XXXX Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : 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 Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian response to account XXXX that there response on XX/XX/19 with CFPB is they cant add account. It seems Experian has error on this account being XXXX as this account I have had for several years so how is an account I'm paying monthly does not show. I have also filed with proof from XXXX XXXX XXXX statements this account is open and been open for several years. I have also filed a complaint with the US Attorney office consumer complaint to a account that is open and been open for several years and Experian refuses to show the account on there credit report as the other 2 credit bureaus show the account. Experian by law can not remove or say an account cant be added as it is an open account for several years with XXXX XXXX XXXX authorizing it I spoke to them about this problem and they say they report it to all 3 credit bureaus monthly. If the matter is not cleared up I will seek legal issues on my consumer rights on Experian. So how I'm I asking to add an account in which I'm paying monthly but Experian is in error to the account not showing and the other 2 credit buraus show the account.
Consumer complaint received 2021-09-01
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. (WV)

XXXX XXXX XXXX incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back. 

When I disputed this with Experian, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX  with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '. 
Repeated attempts to engage them on their website have failed.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

I received communication from Debt Recovery Solutions stating they represent XXXX XXXX , XXXX collect  for XXXX XXXX XXXX XXXX in XXXX, the statement they sent had no dates of service or what the bill was for. 

I spoke with XXXX XXXX XXXX XXXX and was informed that they do not sell their clients medical bills, they have an agency they use to collect for the XXXX XXXX XXXX, XXXX in XXXX, VA. 

XXXX XXXX further informed me all bills I had with them were paid in full. 

I have sent a letter to Debt Recovery Solutions , LLC as well. The letter is attached that I sent to them.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CA)

This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TX)

I used a care credit card for a purchase at my Vets office. I agreed to the terms of XXXX months not XXXX months. The manager of the vets office called the credit card company and advised them she would make sure the terms were changed to the correct terms. I called the credit card department after XXXX weeks to find out why they have not been changed. Then they claim she had to do something on her end to fix it that 's why its not done. I was told I didnt need to worry about it. It was on their end that they saw the notes where she called in to okay it and it would be another XXXX weeks to fix it. A week later I get a letter and I am told it wo n't be changed. I call today and now they clam the office manager never called and made the change even know I know she did because I was on the phone with her when she did on a XXXX way call. I believe care credit is trying defraud me.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

My mom died in XXXX and because of the dying process her credit card payment was a day late to the credit card company XXXX. I called and they agreed to waive the {$35.00} late fee. They then sent a bill with more late fees for not paying the late fee they agreed to waive, I called again and they said it wasn't processed because their person forgot to ask me for a death certificate. I mailed the death certificate. They then sent another bill with more late fees and when I called, said they received but couldn't find the death certificate. The death certificates cost more than the late fees and they are continuing to harass us for continually compounding fees.
Consumer complaint received 2016-06-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CNG FINANCIAL CORPORATION (OH)

There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.
Consumer complaint received 2019-02-26
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: CREDIT ACCEPTANCE CORPORATION (CA)

Credit acceptance reported 24 consecutive 120 day late payments. They have destroyed my credit by all the late payments even though the contract is over. I have sent dispute letters without ever getting a response.
Consumer complaint received 2019-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (NY)

this is an ongoing thing thy keep reporting im 60 pluse days late im on a hard ship now thy want 200 pluse dollers please HELP
Consumer complaint received 2024-05-09
Product: Credit 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: GOLDMAN SACHS BANK USA (GA)

I have made several attempts to resolve subscription dispute. I disputed some unauthorized/fraudulent charges with XXXX back XXXX XX/XX/2023. I thought it was resolved, and then I started seeing more charges creep back on my card. It has been doing this little at a time for several months and I asked this to be looked into and escalated and was told a manager would reach out to me once it had been looked into and as a result, my card was closed even though I had not put in any additional disputes since XXXX. I simply asked a MANAGER to look into the reversed credits that were put back on my card balance. my card balance has been increasing causing my limit to go over even thought I HAVE NOt useD THIS CARD IN MONTHS AS IT IS CLOSED. I do not owe the subscription balances and will file a police report about this if it is not resolved!
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (PA)

First of all, I purchased a used car on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX whose agent forcibly sold me a " Vehicle Service Coverage '' in an amount of {$1500.00} and GAP protection in an amount of {$650.00} through Credit Acceptance. 
At the time of purchase the dealership set me up with Credit Acceptance for refinancing the used car. After 7 month, I refinanced the car with XXXX  XXXX XXXX due to high interest rate ( % XXXX ) with Credit Acceptance. However, at the time of refinancing I requested payoff letter from Credit Acceptance to cancel all product associating with my account. They provided me A payoff letter on XXXX and indicated that I did not have XXXX XXXX. I contacted several times to make sure everything was cancelled on XXXX but recently in XXXX of XXXX  I found out that XXXX was not cancelled. I expressed my sadness to the Credit Acceptance because of their lack of proficiency by their agent. Then, I told them to cancel it and refund me the coverage difference. They refunded only small amount of {$160.00} but not the complete amount that I requested at the time of payoff letter. I tried to resolve this issue with the Credit Acceptance but they are consistently denying my request. Considering the fact that XXXX was forcibly sold and Credit Acceptance did not disclose that I have XXXX at the time of payoff, I kindly ask help to restore fairness. Thank you