davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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: JPMORGAN CHASE & CO. (OH)

When I applied for the Chase Southwest Rapid Rewards Plus Credit card around XX/XX/2020, the terms were XXXX points after spending {$1000.00} within 3 months and another XXXX points after spending {$5000.00} withing 6 months. 

I received the XXXX points ( posted to my account after my XX/XX/2020 billing statement ). 

However even after achieving the spending threshold of {$5000.00} ( I reached this threshold with my XX/XX/2020 billing statement ), I do not see the additional XXXX reward points posted to my account. 

Chase claims that my account does not have any offer to earn XXXX bonus points. 

I strongly dispute this. I attach few documents which corroborate that I applied for the offer with the additional XXXX bonus points : 1 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can see the date stamp on the top left of the 1st page ) - 2 pdfs which clearly mentions this offer. 
2 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can again see the date stamp on the top left of the 1st page ) - which again clearly shows that this offer was still in effect. 

I had used the link from one of these offer pages ( on the Chase webpage ) to apply for the card. So when I do so, it clearly indicates to me as a customer that I am entering into a contract based on this offer.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MI)

They call our office multiple times a week- they hang up on us when we answer- even on weekends. We have called them back and asked them to stop calling- they claim that we are not on their call list, but yet they continue to call. This is our second complaint to cfpb about these people. ( XXXX ) It needs to stop.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I reported fraud on my checking account for a XXXX payment to my bank .I just received notice that the bank has determined no fraud was committed. I informed the bank my XXXX  was lost/stolen and my debit card info was on the phone. a few days after it was lost/stolen someone use my card for XXXX at XXXX. I went to XXXX and was told it was used as a XXXX XXXX, either to pay a person or a bill. I do not use XXXX XXXX. I filed a fraud claim with the bank and i just received notice that the temporary credit will be reversed in 14 days. 
There seems to be a systemic problem with banks siding with vendors instead of customers. If my card info was literally stolen and used, why should I have to pay for it. 
Why should I go without XXXX of my hard earned money while some thief benefits. 
NFCU did not contact me before making the decision to reverse the credit or explain to me what supposed evidence they used to determine there was no fraud on my account. 

I filed a claim for my stolen phone with XXXX but they didn't bother asking me to provide any supporting evidence. 

On your next examination of NFCU your office should review their debit card dispute process and look at how much they side with a merchant or thief instead of their members they claim to protect. I'm sure i'm not the only customer they've done this to.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc. (NV)

In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.
Consumer complaint received 2019-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and a bank statement showing proof of address & inquires in question.

Inquires In Question : XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019. & XX/XX/2019 & XX/XX/2019. ) If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

So I attended XXXX in XXXX XXXX XXXX In Texas and before I even graduated they closed the school down. I find it a bit unfair to have to pay this loans back when they shut down the school.
Consumer complaint received 2017-08-10
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. (FL)

EQUIFAX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE EQUIFAX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. XXXX ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )
Consumer complaint received 2023-01-20
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AK)

I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Consumer complaint received 2020-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

Hello, I have recently been dealing with paying a debt collector that has been placed with my ECSI account ; ECSI over the years has repeatedly tried to contact me since the start of my repayment of my XXXX student loan of XXXX ; however, upon each time I tried to log in to handle repayment of the loan, I would be taken to circular logging-in issues. Eventually, they started collecting through an agency. It is not until now that I go to log in to ECSI, for the first time ever. Is this fair that they I'm at the mercy of a collections agency still? I can pay the loan off in full.
Consumer complaint received 2019-11-01
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. (TN)

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and proof of address. 

Inquire ( s ) XXXX XXXX XXXX ( Twice XX/XX/2019. ) XXXX  - XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX ( XX/XX/2019. & XX/XX/2019. ) XXXX XXXX XXXX   XXXX ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019 & XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX   XXXX XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX, XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX , XXXX ( XX/XX/2019. ) If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Dear XXXX, I am writing to formally dispute and demand the removal of inaccurate account information that XXXX XXXX has furnished on my credit report, as provided by XXXX. It has come to my attention that this account information is erroneous and violates my rights as a consumer under both federal and state law. 

Upon initial investigation, as mandated by federal law, XXXX  was required to obtain consent from me, the consumer, before including any information provided by XXXX XXXX  on my credit report. However, XXXX  failed to adhere to this requirement, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, in the state of XXXX, where I reside, there are specific laws in place to protect consumers like myself from such infringements. XXXX  law stipulates that consumer consent must be obtained before any private information is furnished to credit reporting agencies. Equifax 's failure to obtain my consent directly contravenes this statute and constitutes a breach of my privacy rights. 

I want to emphasize that I did not give XXXX consent to furnish my private information, nor did XXXX  contact me upon the initial investigation as required by law. This lack of communication and disregard for proper procedure has resulted in unjust and damaging information being included in my credit report, which can have significant repercussions on my financial well-being and future opportunities. 

As a remedy for these violations, I demand that XXXX  take immediate action to : Remove the inaccurate account information furnished by XXXX XXXX from my credit report. 
Cease any further reporting of erroneous information from XXXX XXXX or any other unauthorized sources. 
Provide written confirmation of the removal of said information from my credit report within the legally mandated timeframe. 
Take steps to ensure that proper procedures are followed in future investigations, including obtaining consumer consent and conducting thorough and accurate assessments of reported information. 
Failure to comply with these demands will result in further action being taken, including but not limited to pursuing legal remedies available under the FDCPA and FCRA. I expect a prompt and satisfactory resolution to this matter and will be monitoring my credit report closely for any updates. 

Please acknowledge receipt of this dispute letter and inform me of the actions being taken to address the inaccuracies outlined herein. I can be reached at the contact information provided above. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened an Advantage Savings account on XX/XX/XXXX after speaking with a Bank of America representative who informed me they had a promotion where I would receive 4.5 % based on my agreed deposit amount of over {$250000.00}. 

A few days later I transferred money into the account and later in XXXX I called to confirm that I was receiving interest at 4.5 %. When I called in XXXX I was told that I was getting .04 % interest not 4.5 %. After numerous phone calls ( all recorded ) I was told the promotion rate did not take effect until after 30 days of the account being opened. I requested to speak with a supervisor as the promotion had been miss represented to me. A supervisor called me, acknowledging I was misinformed on the promotion and said the rate would start after 30 days of the account being opened. 

On XX/XX/XXXX I called Bank of America and was told that I was still not receiving the promotional rate as the rate would only be applied after a 60 day review. Due to another miss representation by Bank of America I transferred my money to my local bank. 

Ive had an account with Bank of America for over 30 years and they have been fraudulent. I believe they owe me 4.5 % on my money from the time of the first deposit, or at a minimum from XXXX XXXX. They should be held accountable for their miss representations and face the penalties warranted by the law. All the phone calls I made are recorded and the different people who I spoke with could see the transcripts of the calls. 

Thank you.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PlusFour, Inc (NV)

I called this collection company after finding out that XXXX XXXX had submitted a {$50.00} debt from our now XXXX year old. At the time she was XXXX or XXXX and this was also around the time she was on our insurance. However, I believe we had declared bankruptcy. This was a copay that XXXX XXXX XXXX never EVER called about or anything. We moved in XXXX and had our mail forwarded but NEVER EVER received a bill!!! When I called this company recently, as soon as I found out this debt existed, via XXXX  XXXX alert system, I TOLD them I can easily pay the {$50.00}. They said it was too late because it was over 7 years old BUT THEY SAID IT WOULDNT go on our credit until I just saw in now, XX/XX/XXXX! Why would I not pay {$50.00}??? This XXXX XXXX XXXX is NOTORIOUS for this behavior. One simple phone call or a certified letter would have instantly solved this 7 years ago. We have always paid our co pay at the time of visit but my then minor daughter may have been told she would be billed and didnt tell me .... at least that is the only thing I can come up with. Tell me who to send the {$50.00} to!! I want this off my credit!
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

XXXX XXXX XXXX reported that between XX/XX/2018 and XX/XX/2018 I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/18 and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to XXXX that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OH)

XX/XX/2021 I made a {$200.00} payment to XXXX XXXX XXXX XXXX. A couple days later my credit card company sent me a fraud notification that someone was trying to use my credit card in another state. So I canceled my cards and ordered new cards and made sure the banks were aware of the fraud. Well the payment I had made a few days prior mistakenly got marked as fraud XXXX XXXX XXXX stated that they sent the {$200.00} back to my bank. However, the money was never sent back to the bank. I then made the payment again a couple weeks later to cover the missing money so my service wouldnt be interrupted. They never gave me my {$200.00} in my bank account nor did the take the amount off of my bill. Then a couple months later I canceled phone lines with a XXXX XXXX XXXX representative on the phone but they continued charging me for cellular data for one phone that wasnt even being used on their services anymore, Ive contacted them on several accessions to try and resolve these issues but I keep getting the run around. I even recently spoke with a rep and said I wanted to start services back up again then they started acknowledging the problem but still not giving a proper solution. I have all of my bank statements to prove that XXXX XXXX XXXX never sent my money back into my bank account.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX I signed a contract with XXXX XXXX XXXX  and Ally financial. I canceled the contract within the required 3 business days by email and phone with both companies. Ally continued to forward DocuSign documents emails thanking me for signing them, each time with different dates and dollar amounts. I emailed and called Ally and informed them that I was receiving signed documents, signed by XXXX XXXX XXXX ), which is not my legal name. My legal name is ( XXXX XXXX XXXX and I had not signed them. I was repeatedly told by Ally to disregard the documents. I received a credit denial letter from Ally on XX/XX/2022. On XX/XX/2022, I received a bill for {$XXXX} which is threatening to affect my credit with late payments. I have called Ally several times without success. I am an XXXX XXXX Veteran and have also reported this incident to the FBI elderly crimes unit.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Greetings, I submitted a request for investigation to Equifax regarding a collection that is not able to be validated by the collection agency XXXX , XXXX. in the amount of {$460.00}. 

Under Confirmation # XXXX on XX/XX/2019 the following response was provided : XXXX , XXXX Account # XXXX >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Equifax did not provide any supporting documentation that shows the debt is valid. XXXX , XXXX. has been unable to validate the debt and because of their inability to validate, the other credit bureau ( s ) have been unable to validate the debt with XXXX , XXXX and have since removed the non-validated collection.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2019, contacted Chase Bank, about my account. They placed a freeze on my checking account. I contacted the bank and they informed me that the hold was due to XXXX XXXX. Except that I never recieved any documentation Went In person to Bank to see about getting a copy of the document. And the banker told me that he couldn't.

3 months later when hold was suppose to be lifted. The same employee informed me that my account was closed. Asked him that reason, and he again said he didn't know.
Consumer complaint received 2017-08-10
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. (AL)

XXXX, XXXX, AND EXPERIAN ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-08-10
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. (AL)

XXXX, TRANSUNION, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX  XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX