davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

I bank at TCF and during the pandemic I called them to see if I can freeze all the automatic payments so I dont overdraft my account. Well that didnt happen and now I have a negative balance. I called and no one was helpful. I should have a positive {$70.00} and my automatic payments should not happen until I contact them again. Now I have a negative almost {$900.00}! I would just close the account!
Consumer complaint received 2018-03-27
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. (OH)

XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO DAYS!
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Mon. about XXXXXXXX XXXX. I opened up mail at my home to find out a secured credit card had been requested in my name and {$500.00}. was debited from my checking acct. I immediately got on the phone with the bank, and on hold, I discovered my e-mail was compromised, over 15k e-mails. Then I still was on hold and accessed my on-line bank acct, to find out there was a wire transfer ( also unrequested ) that was PROCESSING. When the Rep. answered the phone I told her that {$1000.00}. was PROCESSING, I had to hang up and withdraw my money. She said, let me help you, by the time you get to the bank, it will be gone. I told her You don't understand, I did not authorize it. She said she would take care of me. I have spoken to numerous people over 24 bank people in the following 48 hours. It has been a month and I STILL have yet to see m {$1000.00}. The bank did put back my secured credit of {$500.00}. and cancelled the card. That is it. They denied my claim, even thought they said it was sent to XXXX in XXXX XXXX 's name. I never was informed my case was closed, now they tell me the e-mail was sent to my work e-mail which I never provided. I had to reopen the case. I want help in this fraudulent action against me. I also have filed a police report. The claim is XXXX at B of A.
Consumer complaint received 2022-09-14
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. (DE)

I am a natural personXXXX XXXX  also known as XXXX XXXX XXXXXXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

This company XXXX located at professional debt mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has a judgements on my credit for an amount not owed I attempted to negotiate with this mediation company to pay XXXX for which they did not accept. Then I ask for the summons that was served to me with my signature or could they furnish burden of proof with my signature that I was made aware of this collection amount owed .I want the burden of proof that I XXXX XXXX signature and paperwork was provided to my current address for this debt Also provide me of the method of contact they used to contact me with paper trail
Consumer complaint received 2020-04-26
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: EQUIFAX, INC. (TX)

all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.
Consumer complaint received 2018-07-05
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. (AL)

I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, XXXX, and experian remove this from my report as soon as possible.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

In summary, I initially applied for a Chase Business preferred card with a spending limit of {$15000.00} to qualify for a generous XXXX welcome bonus. Shortly after, Chase revised the offer, reducing the spending requirement to {$8000.00} within the first 90 days. I reached out to Chase via secure message, requesting a reduction in my spending limit to align with the revised terms, which they approved. 

However, a hiccup arose when a merchant I intended to spend approximately {$200.00} with experienced payment processing issues, resulting in a delayed charge that fell just beyond the 90-day window. Despite my efforts to rectify this with Chase, requesting an exception to include this charge in my spending total, I encountered resistance. Although initially assured that the charge would be accommodated and that I would receive the full XXXX welcome points, this never materialized. 

Despite numerous calls and opened cases with the bank, my requests were repeatedly declined. Each time I sought escalation, I was met with the same response that I had failed to meet the {$15000.00} spending threshold.
Consumer complaint received 2020-07-22
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. (ND)

To Whom It May Concern, I purchased an airline ticket with XXXX on XX/XX/2020 using my Chase Visa credit card. I did this because I believed ( apparently incorrectly ) that there are consumer protections when using a credit card. 

The day before the flight was scheduled to depart, XXXX cancelled the flight. They also cancelled every flight for the month of XXXX, XXXX, and I still think into the future. I disputed the charge with Chase, because I wanted my money back. After many follow-ups with Chase ( months, now, actually ), including my providing them with evidence of the flight cancellation, the contract that XXXX posted on its website showing if they cancelled a flight I was entitled to a refund, Chase finally called me today ( XX/XX/2020 ). I spoke with a supervisor named " XXXX '' who told me that they considered that the merchant had provided me with the services I paid for, by giving me a voucher. I explained : 1 ). I knew nothing about the voucher, and didn't want it. I needed to fly on a particular day, was ready to fly, and that the airline chose to cancel the flight ; 2 ). I did not pay for a " voucher '' -- I paid for a ticket, to carry me from one location to another ; 3 ). There were no other flights for that same week, month, or the months going forward ; 4 ). The airline has now filed for bankruptcy in US Court. The Chase representative then informed me that Chase determined the voucher was the equivalent service that I had paid for ( I'm not sure how, since none of us may ever  travel again, everything 's been closed for months, may still be, and I may not have the need to fly between those specific cities again [ and the airline may not even exist in the future ] ). I then engaged in a back and forth with the Chase representative -- if I order oranges and get apples, Chase can then say I received what I paid for? The Chase Representative asked me where it said in the cardmember agreement ( which I requested and read ) that I was entitled to a refund. I said, I guess we live in a different time where you can pay for things and not get what you paid for. I then asked the Chase representative, " Where does it say in the card member agreement that you can decide to change what I contracted/paid for, in other words a ticket between specific locations and that a voucher for a time, place, future that may never exists, is your right? '' His response : If we put in all the terms and conditions in the member agreement it would be 1,000 pages long. I said, then that is what I expect. Otherwise I have no idea what to expect, anticipate, or comply with. I said, at the end of the day, all I want is my money back ( {$200.00} ). He said, Chase had made its determination that I got what I paid for. End of story. 

Thank you, XXXX XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit, Inc (CA)

I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

In later XXXX, Chase closed both my saving and checking account, total balance is around {$1400.00}. They told me will send me a check, but I have been waiting for over XXXX months. I called them many times, they told me under investigation but no update ever.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AZ)

As documented in the letter I sent to CitiBank, with a copy to CFPB on XX/XX/2015, I had repeatedly begged CitiBank to stop charging me interest until I was able to become re-employed. The letter explains the damage CitiBank 's predatory collection and high credit card interest charges have created for me and the damage I have, and continue to suffer. I am unable to find gainful employment due to the bankruptcy on my credit file, despite making it to the finals, since my credit report with the bankruptcy ruins my reputation. Please read the attached letter below. Citibank ended up charging my credit card account approximately {$25000.00}, when my actual card usage amounted to only {$12000.00}, which I offered over and over to pay. I just needed CitiBank to stop the financial rape they purposefully accomplished, especially as their marketing and TV sales promotions were touting them as the perfect corporate citizens by funding railway systems for XXXX XXXX, as well as other money making ventures, while putting me Ito bankruptcy with users by raising my interest charges on my credit card account with them.
Consumer complaint received 2017-08-24
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. (LA)

This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.
Consumer complaint received 2022-09-14
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: AUTOMOTIVE CREDIT CORPORATION (CA)

Automotive Credit Corp has about placing CPI insurance force place insurance on my account illegally. 

I have sent them several information messages and asked them to please update their system letting them know that I do have insurance for the vehicle purchased I purchased a vehicle in XXXX Ive had insurance on that vehicle from XXXX until the date that I paid it off which would have been XX/XX/XXXX XXXX this company continue to charge fourth place insurance CPI insurance on the vehicle even though Ive sent them several emails several proof that insurance was in place this of course caused me to be late or have missed payments due to them charging me for this insurance that was not needed please see all the proof here which shows that insurance was with this vehicle ever since XXXX Over the past two weeks I've spoken with five to six different people at automotive credit Corp then they told me to contact someone at XXXXXXXX XXXXXXXX XXXX  I have verified all the information I've had my insurance agent sent over insurance documentation shown we have proof of insurance from the date they requested please see all attached this company has been giving me the runaround this company has refused to remove the force placed insurance which is causing me extreme damage financially. 

Automotive Credit Corp stated that I did not have insurance in place from XXXX to XXXX which is incorrect Automotive Credit Corp also stated that I did not have auto insurance on the XXXX XXXXXXXX XXXX from XXXX to XXXX and place CPI illegally. 

I sent the proof of the insurance that they stated I did not have. I have also sent the insurance documentation over 5 different times to XXXX XXXX which is a company that Automotive Credit Corp uses to verify insurance. 
Again this company continues to give me the run around
Consumer complaint received 2020-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.
Consumer complaint received 2021-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Submitted a dispute in XXXX on XX/XX/XXXX for portfolio recovery. I dont have results from XXXX but on XX/XX/2021 Experian reported the disputed item unfairly without investigation results.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-13
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. (TX)

Improper use of my account. Companies never validated or sent original documents or contracts with my original signature as proof. Account never verified. Many consumers rights have been validated.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I was promised a bonus of {$300.00} when opening a checking account. I completed all terms required to get the bonus. The maximum time frame of 120 days to post the bonus has also passed since completing all the terms. 

Checking Account opened on XXXX XXXX. 
All Terms completed on XXXX XXXX
Consumer complaint received 2020-07-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Consumer complaint received 2022-09-13
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: BARCLAYS BANK DELAWARE (OH)

I logged onto my Barclays account today & saw there was a old navy account listed on my page. I have never had an old navy account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

I was charge {$40.00} plus $ for a BJ credit card which I do not want or use. I wrote to BJ 's at least three times on the statement that I did not want this card. I wrote at least 5 times to BJ 's & their bank - Comenity Bank - regarding same. They now claim I owe {$310.00} because of late fees. I can provide all my correspondence to them.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Closing the debt on my credit bureau reports is not the same as correcting the debt that I do not owe. In addition this incorrect debt is still on my renters history for an apartment I never rented. I have attached proof that the erroneous entries to my credit bureau reports should be corrected and the erroneous entries to my renters history should be removed. Please reference page 5 which states the administration fee is refundable if denied. Please reference page 6 which clearly shows I was denied. In addition any entries made in relation to XXXX XXXX XXXX, XXXX XXXX which is my Sisters address not mine, should be removed. Please be reminded that there is no court judgment that was arrived at, that would give you the authority to enter this debt on my renters history.