davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I previously submitted a dispute regarding the charge on my card on XX/XX/18 by XXXX for {$1100.00}. My rental contract included unlimited miles, however, I was charged an additional $ XXXX+tax for mileage on this vehicle. I submitted the original rental contract to Chase, however, Chase made to the decision the charge was valid even though I was charged for something that should have been included according to the contract. In the explanation as to why Chase found the charge to be valid, no actual reason was provided and no documentation or explanation was provided on either attempted dispute. 

I believe this was a failure of the Chase dispute analyst to view the supplied documentation and honor the original contract price.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (NY)

The following is the information regarding the complaint : Name CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Original Amount {$21000.00} Original Creditor XXXX XXXX Banking XXXX Past Due {$20000.00} The bad debt was reported on my credit report by XXXX. This had a negative effect on my credit rating. I have been attempting to rebuild and restore my credit ; however when Calvary XXXX purchased the debt from XXXX, they proceeded to report the debt a second time, as if the debt that they bought from XXXX was a new debt. This is double-reporting of the same debt. 
I attempted to pay a negotiated amount with Calvary ( {$11000.00} XXXX on a monthly basis ; however they never altered the negotiated amount -showing the debt was {$20000.00}. They should not have the right to rereport a bad debt. THey also violated their payment agreement by not showing the negotiated amount.
Consumer complaint received 2019-06-07
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. (FL)

EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXX-XX-XXXX-NOT MINE. 

ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXI -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE CERTIFIED CREDIT REPOR -- NOT MINE XXXX  CARD -- NOT MINE XXXX XXXX   XXXX -- NOT MINE
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (MS)

I've created a fraud report with Identitytheft.gov, reported multiple CFPB complaints ( XXXX ) about the XXXX card on my account that I have never seen or have had access to. This was a result of identity theft. I have filed a police report with my county 's department. Nothing has been done. The account is still showing on my credit report. This is not my card. The last time I filed a report the company said that I am responsible even though I didn't open this card nor have seen it before in my life? This is not acceptable. I am a victim to identity theft, and I have never had the card in my possession. This card is not my responsibility and it removed. I feel that no one is taking this serious. 

Attached is the police report, identity theft report and the account information connected to this card.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I got approved a Citibank advantage credit card which is promotion XXXX miles after XXXX spend in XX/XX/XXXX. I also do receive email from them XXXX miles after spending XXXX after I approved their credit card. I called them requesting match the offer when I received their new card. Their supervisor told me he approved the offer and confirmed it. When I finish my XXXX qualification. I called them to ask about another XXXX miles. They said will pay me soon. In XX/XX/XXXX, I received the another XXXX miles instead of XXXX miles. I called them again they said will pay me another XXXX miles later in XX/XX/XXXX. But I still not receive another XXXX miles until now. I called them today again. Their supervisor named XXXX is very rude to me. Told me they can not pay me another XXXX miles because they changed the policy. What? This is very ridiculous. I called them many times, they promised me pay me soon. But they changed the story. I want to my XXXX miles. They should honor it that they promised it.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am a natural person. I have rights under 15 USC 1681 Experian is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Experian written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance. With the Fair Credit Reporting Act, all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave Experian a copy of my FTC filing stating that the accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all accounts are inaccurate and invades my privacy on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Experian stated they did an investigation however all 3 credit files are still inaccurate I want all accounts deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit 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: SYNCHRONY FINANCIAL (AZ)

XX/XX/1023 I purchased a Mattress from XXXX XXXX in XXXXXXXX XXXX For {$1100.00}, under their purchase agreement the Mattress can be returned or exchanged within 90 days. After sleeping on the Mattress for less than thirty days I went back to XXXX XXXX and said that I wanted to exchange the Mattress. They agreed without any problem. I purchased another Mattress for {$1700.00}, They ( XXXX XXXX ) schedule the pickup and delivery of the new purchase for XX/XX/XXXX XXXXthat scheduling date was met no problem, I received receipt for the pickup and delivery. I received an invoice from Synchrony Financing company which had not deleted the returned mattress from the invoice. I called customer service and the rep said that they needed to verify with XXXX XXXX the transaction. I went to the XXXX XXXX where I had made the purchases and the person who identified himself as a manager, said that the dispute was between me and Synchrony, that they are in charge of financing and he could not get involved. I called Synchrony customer again and the rep told me that my initial dispute had been denied and that I would need to make a new one and it could take up to 60 days to complete. Note I am paying {$150.00} on the amount owed. Remove {$1100.00} from my account. Item have been returned.
Consumer complaint received 2022-09-16
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. (FL)

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-29
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. (OH)

XXXX XXXX XXXX is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

Credit Collection Services acct # XXXX and XXXX XXXX acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same XXXX XXXX XXXX company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

Notice be it to all in Fact, I am a federally protected consumer pursuant 15 usc 1681 ( a ) ( 4 ). Notice in Fact, I have never signed a contract or a PROMISSORY NOTE WITH CREDIT CONTROL CORP. Notice in Fact, I believe this company to be a 3rd party debt collector. As such I demand to see a receipt of purchase giving CREDIT CONTROL CORP legal jurisdiction to collect any alleged debt they may claim I own past present or future. Pursuant 28 usc 8 ANY and ALL certificates of indebtedness and or bills are the obligation of the United States not the consumer. These accounts being reported on my consumer reports are a clear violation of XXXX usc 1681b as I have never given my written or oral consent for these items to be furnished. This violation is punishable of {$1000.00} per violation pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer reports OR send me a check certified mail for every minute that each item has been on my consumer reports.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NV)

PLEASE REFER THIS COMPLAINT TO ( OCC ) OFFICE OF THE COMPTROLLER OF THE CURRENCY. There is a billing error on my account. The balance is reflected in a positive amount. I was also never given the disclosures specified in 12 CFR XXXX Treatment of credit balances. XXXX Treatment of credit balances. When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2022-02-18
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. (MO)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-18
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. (MO)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-01-29
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have a debt amount of {$130.00} from KLS Financial Services whom they have stated I owe KLS Financial Services. After speaking with a representative from KLS Financial Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with KLS Financial Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the KLS Financial Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with KLS Financial Services and neither have I used their services for them to say that I owe them money. I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-KLS Financial Services can furnish to me.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (VA)

I received a summons in the mail on XX/XX/XXXX on XX/XX/XXXX my employer notified me of a wage garnishment that would take place immediately.. which is the first communication I had with these people.. The original debt was over 13 years old, I dont know who these people are that have sent a wage garnishment to my job and now taking money from my check. I was not properly notified about this old debt and intent to garnish or even time to settle. So this was done improperly and unfair practice of a collector and debt that was old.
Consumer complaint received 2021-01-29
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. (CA)

XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2019-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC (KY)

I've received several phone calls from a lady whom identified herself as XXXX XXXX. She said that she is a courier for someone that is serving me with court papers. She wouldn't tell who the people were that was trying to serve the papers. She gave me a phone number to call XXXX and a case # XXXX, to get more information. When I called the number the first time ... it said the number is not available. I called the next day and a lady answered. She told me that she was collecting for a loan from Quik Cash from 2014. She said that there was a loan for {$300.00} and if i set up payment today. She will check with the attorney to see if they have already filed a court order and if not they will stop it. She put me in hold, came back and said ... .they have not filed, so if you want to pay only the original balance..you will need to set payments on a credit or debit card today and if not, you will have to pay over {$1900.00} total. I asked if I could be sent some paperwork in writing to let me know more information about this debt. She said they don't have anything to send. I can only get a letter from them after payments are made to satisfy the debt. I had payday loans in the past, several years ago. I recall paying my loans off. If this is truly my debt, I should be able to request this information in writing, so I can confirm if this is something that I owe or not.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

We made a purchase at XXXX XXXX using their Comenity Bank credit card, interest free for 12 months. We were told that if we make all the payments according to their billing, the purchase will be payed off in it's entirety, incurring no fees or interest. We did exactly that. With no notices or warning, they conveniently made their last payment due 2 weeks after the 12 month contract would expire. We have already overpaid our purchase to them by {$50.00}, plus another {$16.00} in interest they sneaked in our payments. They now want an additional {$590.00}. in interest and fees. We have spoken to their customer service representatives on XX/XX/2020, and even to the Floor Supervisor XXXX, his operator ID being XXXX, and were told that they couldn't do anything at this time, that's the way it goes. We are hard working honest people, and would've given them the extra {$180.00} if we were instructed to do so per our billing contract. He also told me that they have a warning statement that the loan is coming due, but this is in their website that you have to log onto, click around, and hopefully locate. Nothing was sent saying anything of this sort to my " Paperless Billing Email ''. All that my email said was that the amount due was {$200.00}, this not including the {$180.00} that would've paid this account in full, actually overpaid by {$66.00}. This is my Dilemma. XXXX  ( XXXX XXXX ) has exhausted their abilities to help us.