davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$3200.00}, {$4300.00}, {$6200.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

XXXX synchrony debt of XXXX was paid on XX/XX/18. not only is thisdebt on my credit reports it is being reported as charged off and or dilinquent. i want this item removed off all credit reports
Consumer complaint received 2024-03-20
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: JPMORGAN CHASE & CO. (NH)

Subject : Urgent Help Needed with Unresolved Merchant Dispute - XXXX XXXX. 

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to seek urgent assistance in resolving a merchant dispute that I have been experiencing with XXXX XXXX through my Chase credit account. Despite my repeated efforts to resolve the issue, the merchant has been completely unresponsive and has not made any attempt to address my concerns. 

The transactions in question appeared to have taken place through the XXXX XXXX function. It is important to note that during this period, my XXXX ID was flagged as compromised, along with my XXXX email address, indicating potential security breaches. 

Furthermore, I have not physically received any products or services from XXXX XXXX, making it impossible for me to return or work out any resolution for items that were never in my possession. Additionally, I am puzzled by the fact that transactions exceeding a XXXX dollars did not require a signature from myself, which seems highly irregular for a legitimate merchant. The lack of documentation or verification raises concerns about the legitimacy of these transactions. 

The situation has been exacerbated by Chase 's handling of the matter, as I have been continuously transferred between the fraud and disputes departments. The reason for this confusion is that the merchant claims to have a shipping tracking number for merchandise that I was not expecting and did not authorize. I have not received any such merchandise, and I am now facing difficulties in getting this unauthorized transaction resolved. 

I kindly request your intervention and support in facilitating a resolution to this matter. I have diligently followed all necessary steps to address the dispute, but the lack of cooperation from XXXX XXXX and the challenges faced with Chase 's internal processes have left me in a frustrating predicament. 

Your prompt attention to this issue would be greatly appreciated, as I am eager to have this matter resolved as soon as possible. Thank you for your understanding and assistance in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (VA)

Toady. XX/XX/XXXX, I attempted to obtain my XXXX XXXX results. Alas, it said my correct information was incorrect and I couldn't access them. So then I tried to make some accounts on credit websites all of which said the info didn't match the credit beauro. So someone has put false info under my social security number.
Consumer complaint received 2020-04-21
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: WELLS FARGO & COMPANY (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/XXXX, shortly after treasury requested banks free up additional liquidity to consumers, Barclays bank cancelled my card, ending in XXXX, with no late or missed payments in the years I have been a card holder. 
I contacted Barclay 's multiple times, but wasn't able to wait put their hold period until XX/XX/XXXX. The call itself lasted less than 15 minutes, the total duration including hold time was 6 hours 35 minutes. This entire call I have a recording of. 
I explained that I have been a good customer and was attempting to get my account reinstated, and was told I needed to write a letter. I then inquired as to the amount of time I had to redeem my points. After a brief hold, the representative told me I had 60 days to do so, which would be the middle of XXXX. I planned on using the points towards travel if I was able to successfully get the card reinstated, or for gift cards if I was not as the travel statements credits are only usable if the card is active. The points, which totaled XXXX have a value of {$3400.00} when used for travel credits, or {$1600.00} when redeemed for gift cards. Hence my desire to wait a little bit to see if I could get the card reactive and use the points for travel credits as opposed to pulling the trigger and redeeming them for the gift cards. I had been saving these points up for years. 
Unbeknownst to me, the points were then cancelled the day after I spoke to this representative. 
I wrote the letter to Barclay 's on XX/XX/XXXX, and after not hearing a response for over a week, called to follow up on XX/XX/XXXX. Again, the call duration consisting almost entirely of hold time totaled 6 hours 23 minutes. That call I also have a recording of. 
During my hold time, I went only my account to discover the point adjustment on XX/XX/XXXX that left my point balance at 0. When I finally spoke to a representative, they told me I had to write another letter. I explained that I had already done so, and was escalated to a supervisor. The supervisor effectually told me the same thing, and would not put someone on the phone who had any authority to help me. 
I am very frustrated, and feel they are running out the clock on the 60 days I would, by their own rules, have to redeem my points. Perhaps they plan to get back to me just after that time has elapsed and state that since it has been over 60 days, that there is nothing that can be done in regards to to the points. So, I'm turning to the Consumer Financial Protection Bureau for assistance. 
Documents and files available upon request : Letter from Barclays dated XX/XX/XXXX stating the account t was closed. 
Audio files of the calls to Barclays on XX/XX/XXXX and XX/XX/XXXX Letter from me to Barclays dated and sent XX/XX/XXXX XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP (ND)

XXXX against me in XXXX. Filed bankruptcy in XXXX all debt was discharged. My employer received an income garnishment request last week. My attorney informed the collection company and my employer of discharge and the company is refusing or not communicating that the garnishment by law has to be released but has instead threatened to make My employer liable if they do not collect the money previously owed.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc. (OK)

I previously pulled my credit report and seen that Kickoff lending is reporting 90 days late on an account. I have an email stating that the loan is complete and I have never received a late notice at all through phone, email, or mail.
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I applied for loans online, a company named Cash Central sent me a message saying I was approved for $ XXXX {$5000.00} dollar loan. I agreed to a {$2000.00} loan in which I would pay {$100.00} dollars a month for a XXXX installment. They emailed me the contract in which I agreed to. They asked for my account number in which I agreed to because they needed to verify that I had a source of income. When they looked into my account they saw that I was over drafted ( that's why I need the loan ) to cover the over draft and try to clear out other debts. They said they had two options they could help me out before giving a loan. It's either I showed them a {$100.00} that would be part of the first month payment ( that I clearly didn't have ), or they would send {$500.00} dollars that would cover my over drafted amount and I was to send them back the rest of the amount as good faith. This all happened XX/XX/2018. They kept asking me why haven't I sent the rest back yet and that's when I told them I haven't received it. When I spoke to XXXX on the XXXX they said it takes about XXXX business days for them to clear. on the XXXX when I spoke to XXXX ( because I noticed the funds still weren't there ) they said it came back as fictitious. Cash Central had also deposit XXXX additional {$250.00} deposits. When I spoke to Cash Central about the {$500.00} deposit they said it appear that way because it was cancelled that the additional {$250.00} deposits should go through. When I spoke to XXXX again they said those funds should go through but they were going to hold it till the XXXX because the first check came from the same place and it was fictitious. By the XXXX I noticed that I was being charged return fee on those deposits ( I was also charged return fee on the {$500.00} deposit as well ; {$15.00} each ). When I spoke to XXXX they said those were fraud, so they transferred me to their fraud department. Fraud told me that I had to physically go into a bank to fill out some forms and also get a new account because this one has been compromised. XXXX was no help and basically said I would be accountable for the situation because I gave them my information, but to my knowledge I thought I was dealing with a legitimate company.
Consumer complaint received 2017-09-20
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. (VA)

We ordered some hand-painted tiles when on vacation in XXXX in XXXX this year. We paid {$650.00} on XX/XX/XXXX using my Chase Sapphire Reserve card. The assistant took down our XXXX address for delivery and added it to the invoice. We paid the full amount that we presumed included delivery as there was no mention of a separate charge. We were promised delivery by the end of XXXX. We heard nothing from the merchant, despite several chasing emails which went unanswered, until we received an email from a delivery company on XX/XX/XXXX asking us to pay XXXX Euros for delivery. As they were a month late and we were faced with a totally unexpected delivery charge, we opened a dispute on Chase 's website asking for a refund on XX/XX/XXXX. Chase have twice refused to honor our claim and say the the charge has been validated, despite our providing evidence ( attached ) that the merchant 's justification was inaccurate, particularly when he said that we had chosen and instructed the delivery company. Chase used this as their reason for not upholding our claim. We then sent a copy of the email which made quite clear that the merchant had instructed the carrier ( we had never even heard of them much less instructed them ). They have still refused to honour our claim. 6 months on, we are {$650.00} out of pocket and have no tiles. we do n't even know where they are. Chase have not answered the points we made in our submission and have represented us very badly in this matter.
Consumer complaint received 2023-01-11
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. (VA)

In accordance with 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.
Consumer complaint received 2018-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

hi i have 2 hard inquierys on my transunion credit agency,  the company is XXXX they are located in XXXX florida, the first inquiry was from XX/XX/2016, the second inquiery from XXXX was XX/XX/XXXX. on my report it says XXXX / XXXX XXXX XXXX XXXX , i first called XXXX about it a month ago and they said it happens qll the time and the couldnt fix it and said to call transunion which i did and they said they couldn fix it untill i got a letted of deletion from XXXX, so i call XXXX to get deletion letter and they said that they dont have a XXXX XXXX credit card division or no affiliation with that copany, now mind you i researched this company and they have well over 100 accounts dealing and specialising in this area, i asked XXXX how coudn he even know every credit card affliation of this company and he said he was positive there wast one and told me to call transunion to take it off and they said no, not without the deletion letter so you see i fedl like im stuck between a rock and a hard spot cause they both wont help me aw you see so if you can help me get this resolve i would appreciate that, so when it comes down to it if XXXX  is truthfull then the very least since transunion is the reporting crexit agency i think they should bzle held responsible for removing it. and just so you know i did n9t apply for credit and or autherize anyone or approve anyone to hard pull my credit ; thanks
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I cashed a check in the amount of {$2700.00} on XXXX XXXX, XXXX with Chase Bank. The company then proceeded to close my account and refuses to return my check or distribute the funds. They have cashed the cash and are in possession of the funds, but refuse to release them. This is a clear violation of banking law. Chase claims that I must have the person who wrote the check call them from a US phone number ( not possible as he is XXXX ) or have him visit a Chase branch and tell them the funds were intended for me. This is absurd as they already withdrew the money from the check writers account and he has no further obligation to me and furthermore this requirement is ILLEGAL. I have spent countless hours at my local Chase branches and talking on the phone trying to resolve this issue. Chase either runs me in circles or refuses to talk to me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (AR)

I reviewed my consumer reports and noticed that i have issues with payment history being inconsistent with XXXX, XXXX, and XXXX all three CRAs report different & inaccurate data. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have experienced a hardship which for the accounts that i have included screenshot inside this complaint in on dates of Please investigate and provide proof with statements showing that these payments were late. All Santander calls are monitored and recorded and If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (FL)

Hello again, in this complaint I will include proofs of transactions that go beyond the incomplete records of Chase in particular that they were some how able to destroy my accounts, make look a fraud and cause me an incredible debt that just is inaccurate.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (VA)

The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : ALLY FINANCIAL XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

I closed my Citibank checking account earlier this year. The company immediately revoked my online access. The problem with this is that all my statements are electronic and I no longer have access to them. I called to ask them to email the statements and they want to charge me {$5.00} per statement. 

This is particularly insidious because the banks encourage us to go paperless to save them money. Other banks have allowed me to continue to access my account statements online after the account is closed. The bank never disclosed that it would be removing my online access. The bank needs to provide a means for former customers to access their electronic statements.