davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed my Checking Account for no reason. I was never overdrawn. I never bounced a check. Then their Corporate Office tried to tell me that they were freezing the money in my account and would not release my money to me except through a check that they would send me in about 15 business days. This involved my total balance as well as a pay check that had been directly deposited into the account. The letter that I received in the mail warning of the closure that would occur on XX/XX/XXXX was post marked for XX/XX/XXXX and was not received until XX/XX/XXXX I stood firm and got my money out but there are others who are not as strong minded as I am.

I have since learned that this has been happening to people here in California and in other states for many years.
Consumer complaint received 2022-08-10
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: FIRST NATIONAL BANK OF OMAHA (PA)

XXXX On the XXXX XXXX, my wallet, XXXX credit card in it, XXXX XXXX, sun glasses were stolen from my car at XXXX gas station while i was buying the drink inside. There was personal information ( photocopy of my personal documents, and credential files for my online accounts ) in the flash memory drive. I reported it and got incident report number. 
After a few days on the XXXX XXXX I got a security message about a fraud activity that {$4000.00} transaction attempted with this stolen card. I didn't recognize it and declined it in order to block the card. I got this message twice for XXXX attempted transactions. Then i checked my online account in the app one of {$4000.00} XXXX  was illegally purchased into my XXXX account. I understood that my bank and other personal information was stolen and misused. I immediately called the Fraud Department of the XXXX XXXX  and reported it. I explained them that the card and my personal information were stolen and misused. The bank started investigate the fraud and credited the money into my account. I also contacted to XXXX, and explained them my information was stolen and misused then there was happened {$4000.00} unauthorized transaction which has not been executed from my side. 
They didn't listen to it and not accepted, demanded {$4000.00} which i had disputed it with the bank. Then one month later the bank called me and said we had your personal information, documents from them and we think it has been done by you and we charge or put that {$4000.00} on your account. 
I asked these docs from XXXX ( investigator from the banks ), she promised me to send them but then did not send. 
I had not provided any personal documents to XXXX, not earlier and no later. And although i have used their service, i have never used that bank card information for any transaction. 
I explained the same to the bank. The bank mentioned, " we can't consider it fraud if you used their service before. '' They didn't listen to me and blamed me. 
I have my account at XXXX but i had not used this bank information for any purchase at XXXX. It is not recognized by me, and they don't have any proof that this card was used before on this website. They just didn't listen to me, do what they want and using their power. 
So I disagree with this illegal transaction and decided to raise a claim and provide my proofs. I want the bank does its credit card obligation in in front of me based on the credit card agreement and remove the {$4000.00} credit from my account in a short time unless my credit score not damaged. I am not going to pay that {$4000.00} because somebody has misused it, i have not done this purchase for nothing. Merchandiser can understand it, can easily return it to the bank because there was nothing instead. 
Please, help me on that issue that the bank does his responsibility. 
Thanks XXXX
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

I received an offer from Citibank as a credit cardholder for a promotion valid XX/XX/XXXX through XX/XX/XXXX to open a Citi XXXX Savings account as an account owner. The promotion was for a {$300.00} bonus if you deposit {$30000.00} or more by the 20th day after opening the account. By maintaining the {$30000.00} balance every day for the 60 calendar days following the 20th day after funding, I would be eligible for the bonus paid within 90 days of being eligible. 

I opened my account on XX/XX/XXXX and funded {$30000.00} and was eligible to begin counting the 60 days beginning 20 days after funding on XX/XX/XXXX. Because I kept the assets in the account ( and still have them there ), I was eligible for the bonus on XX/XX/XXXX and should have been paid by XX/XX/XXXX. 

I have still not received the bonus ( 108 days later, which I have not received interest on the bonus either ) and have followed up both via phone and in-person at a branch with Citi multiple times ( at least 5 ). My last visit to the branch was on Monday, XX/XX/XXXX, and this is still not resolved. 

I have spent nearly 30+ hours trying to resolve this issue, and I believe that I am being taken advantage of by Citi XXXX
Consumer complaint received 2017-09-09
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. (NY)

On XXXX/XXXX/XXXX I read about the Equifax data breach. When I went to their reporting website, I learned that my information had been grossly compromised. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2019-05-11
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: Business & Professional Collection Service Inc (NV)

Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to by XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

I purchased a XXXX XXXX puppy at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed with Comenity Capital Bank for {$3500.00}. I returned the dog within the 48 hour period since my apartment will not allow. I offered XXXX 50 % of the financed amount ( {$1700.00} ) to close the account, and they refused. They reported if i paid cash, they would give 1/2 of the money back, but since it's financed to deal with them. I sent a letter to Comenity, explaining that my balance should be XXXX since the product was returned in a few hours, but they refused and want full balance owed {$3500.00}. This seems criminal that I have to pay for something I don't have with a 29.99 % apr attached. XXXX will resell the dog for {$3500.00} twice for a total {$7000.00}. Since everything was returned within the period, I want my balance to be {$0.00}, not {$3500.00}. I have all the documentation.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of a predatory loan and actually still am. I have tried to get Bank of America to modifiy my loan since XXXX on only wanted them to reduce my 2nd Loan that is a 9 % interest rate to current market or the same as my 1st loan which is a 3.5 %. I tried 3 times and every time Bank of America would say they could not help because the 2nd loan was from another bank and they have to follow strict guidelines and if the 2nd loan was with Bank of America they would be able to help. On XXXX XXXX I received notification that Bank of America was going to be taking over my 2nd loan which was great news because now Bank of America can finally help me. When attempting to get a refinance or modification they game another excuse. I had no choice but to file a small claims lawsuit against Bank of America, while in court the Judge was in my favor in poor practice however the reason the Judge dismissed my case without prejudice. Is because Bank of America representative expressed that my modification process was still active and not closed. I informed the Judge that was not the case however I had no evidence to prove that. I called Bank of America modification department and received confirmation that my modification was closed on XXXX XXXX, XXXX and which showed that Bank of America lied in court. I will be re filling again my lawsuit against Bank of America with evidence and proof of there lying
Consumer complaint received 2018-03-25
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. (NC)

Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}
Consumer complaint received 2018-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. 

I keep getting the run around with useless reply letters that do not properly validate in anyway. 

I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. 

Amount is {$1400.00}
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

I am a XXXX XXXX XXXX XXXX. And never be late on my payment bills/ rent/ royalties I send by regular mail, the monthly rent payment for XX/XX/XXXX to the LandLord, with a check from PNC BANK to LandLord FOR {$8100.00} XX/XX/XXXX Landlord advised that they didn't get the payment, I called the police to report it. I have incident number. 

I went immediately to the branch near my business PNC XXXX XXXX location and filed a dispute with the manager who said that it will take some time ( no specifics ) to process this dispute. 

On XX/XX/XXXX I turned back to the same Branch and talked to Manager again about the status of my claim, so he made his request into the system and I had a call at XXXXXXXX XXXX from the Dispute Department. ( XXXX ) The person in that recorded call said that the check was cash in a XXXXXXXX XXXX XXXXXXXX, and my complaint to her was why a Bank cleared a check when it was written to a Business and endorsed to be paid to a person. In that call I asked her if I did anything incorrect sending my monthly payment to the LandLord. Why a crack in the security system to process a Check in between financial institutions, is my fault. Did I did something wrong? She said to me No! So why are you all punishing persons that are doing the correct thing, working, paying their bills.She also told me that it will take 90 Days to process this. 

XX/XX/XXXX went to the PNC XXXX XXXX location to have an update about my dispute, and information was the same, we are working on it and request a call from dispute department again, I had a call XXXX XXXX XXXX XXXX and was the same information any specifics just recalling that they have 90 days to have a response. 

XX/XX/XXXX, again went to the Branch and requested to scale the complaint with XXXX XXXX, he requested it into the system and I had a call XX/XX/XXXX. 
XXXX called from intern customer service complaints and what she said is now the investigation will go from 90 to 120 days. I asked her about in what part of the claim we are, and she couldn't say anything specific just that they are negotiating with Regions, she provide me an other phone number for specific check fraud XXXX opt 2, which i called. And waiting for an answer. 

Facts : the check was stolen and cashed. 
The check was written for a BUSINESS AND ENDORSED TO BE PAID TO THE ORDER OF a person. 

Check was cashed at a XXXX XXXX  I am a XXXX XXXX  for more than 12 years for the first time I am on DEFAULT I might be just one more of the customers at PNC, but for Me if I dont get 100 % refund could be the end of XXXX XXXX
Consumer complaint received 2018-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (SC)

A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.
Consumer complaint received 2018-03-25
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. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/XXXX and XX/XX/XXXX by : XXXX/XXXX XXXX XXXX
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This medical collections need to be deleted/Removed Off My Transunion credit report due too hippa violation there is no Right to Revoke Clause form attached any of my medical papers!!!!
Consumer complaint received 2016-08-28
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE (NC)

Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.
Consumer complaint received 2022-09-08
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: OPORTUN FINANCIAL CORPORATION (CA)

I disputed their inquiry with XXXX and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- XXXX voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from Oportun at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a VM the number listed is XXXX I want the inquiry from XXXX to be removed because I NEVER attempted to get a loan from your company!
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AR)

On XX/XX/24 I traveled to XXXX Texas for a family vacation. I went to the XXXX gas station to get gas and reader stated that to see cashier upon going to the cashiers station I was told that my card was declined due to insufficient funds knowing that was not accurate I contacted a representative over the phone with US Bank the rep stated that my card was deactivated because a new card was sent it. I tried to explain to the rep that I didnt receive a new card in the mail and that I was out of state with no other means of funds she stated she was going to locate a branch near me however there was not one available in the city I kindly asked her to please reinstate my card as I have No way to navigate the city nor funds to get back home she stated that I should just access my account online and XXXX XXXX myself money I asked did that make sense for me to have to pay to access my own money when I didnt deactivate my card nor was I made aware of the situation especially when I had visited a branch XXXX this week and no one in the local branch had said anything to me about it. She said well Im just trying to help you get your money. Im very upset so I discontinued the call with the rep
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-28
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I tried to take {$500.00} out of the atm on XX/XX/2018 but when I tried the atm said that it couldnt disburse that amount and I needed to enter a lower amount, so I tried again with {$300.00} and it said the same thing. At this point I gave up and canceled and took my card and left. Later that night I checked my online banking account and say the {$500.00} on my statement it said it was disbursed when it never came out. So I called and filed a dispute and they just informed me it was denied and they are basically stealing my money and Im very upset. Please help me