davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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: ALLY FINANCIAL INC. (HI)

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-09-01
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. (FL)

ON XX/XX/2020 I used my Chase card for a week stay at XXXX XXXX in XXXX Fl. On the first night of my stay there was either bed bugs or roaches in the bed. I could not notify management because the lobby closes at XXXX XXXX. So the next morning XX/XX/2020 when they opened up I informed them of the problem, told them I am XXXX XXXX XXXX and wanted a refund. The front desk checked me out and informed me that the manager was the only one to issue refunds. I was informed that he would be in later that day and he will call me when he gets in. As I left the hotel I called my credit card company to dispute the charges and explained the reason why. The credit card company told me to wait until the charges are posted to the account to dispute the charge. On XX/XX/2020 the charges was posted and I disputed the charges by phone. The charges was removed and stayed that way until XX/XX/2020 when I notice on my bill that the credit card company rebill the charges. I called Chase card services to find out why these charges reappeared. they then explained I need to send my my dispute in writing which I did as per the attachments. I never heard anything again from Chase as far as the dispute and I have close the account.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

I am a Chase customers with a Southwest Chase VISA credit card. This card is advertised to come with free rental car collission damage waiver coverage. I was in a rental car accident in XX/XX/2023 and have been working with XXXX which is Chase 's provider for this service. They have been highly negligent and are not paying the car rental company claim for coverages. I confirmed with them that I provided all documents but they are just giving me the run around. Chase credit card made it sound like they would cover my claim but they are not. We are talking about a {$32000.00} claim. Car rental company tells me they will send me to collections unless this is paud. Please help.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (CT)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Greetings, I would like to file a complaint against Capital One Bank. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

Bluebird through American Express ( Amex ) sent me an email with no actual evidence or detail as to why my account was permanently suspended they said that I had to mail a letter asking why the terms and agreement was violated as well as ask them to refund all the direct deposits which is all of my unemployment insurance benefits which help with food clothing and housing and Im XXXX  without it and they wont get give me any details as to why, I sent the letter not to long ago and am waiting for a response as the email came out of nowhere and Id only use the card to collect unemployment insurance and spend on hotel, food and other crucial things. No one has access to the card but me and I had a bit over XXXX on it last use so no this is outrageous.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XX/XX/2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt and I do not have a contract with : Company : PORTFOLIO RECOVERY Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent PORTFOLIO RECOVERY. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, is fraudulently stating an in-accurate amount owed, and account status.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XXXX 2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple
Consumer complaint received 2023-01-09
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. (MS)

Transunion is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I paid {$830.00} to someone for an item ( pc part, motherboard, Transaction ID : XXXX ). I never received the item and seller stopped responding to me on Discord. I've never received tracking information that shows it was delivered. Therefore, I would like money back for this. If I don't receive money back, I will file a complaint with state attorney general and federal trade commission to pursue this further.
Consumer complaint received 2021-10-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX Transunion received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. XXXX did not comply.
Consumer complaint received 2021-04-09
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Just to advise there were no topics/choices from the type of problems page that exactly meets my situation .... Im writing in hopes to get some type of resolution to an ongoing dispute between myself, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and PayPal. On XX/XX/2020 I made a purchase in the amount of {$39.00} using my ( XXXX  ) XXXX  debit card through PayPal to a company name XXXX XXXX. I paid for expedited shipping in which the item was to arrive within 7 business days. XX/XX/2020 two weeks after not receiving the item I constantly emailed both the merchant and PayPal in which is the only method of communication that is available. I was given several different reasons as to why the item wasnt shipped, none that was acceptable to me as I paid for expedited shipping. XX/XX/2020 I again emailed both the merchant and PayPal requesting a refund as the item did not arrive in the payment timeframe and was no longer needed. XX/XX/2020 I contacted XXXX in regards to the disputing the transaction that occurred with my VISA debit card. I explained my situation to XXXX XXXX whom sent me a Cardholder Dispute Item Statement Form. I completed the paperwork indicating I never received the merchandise and would like to request a refund. XX/XX/2020 I contacted XXXX explained to her the item finally arrived however was not as describe as advertised, therefore I returned the merchandise immediately. XX/XX/2020 A provisional credit was applied to my account from XXXX XXXX  ), only to be debited from my account on XX/XX/2020. XX/XX/2020 PayPal indicated the funds were surrendered to my account on XX/XX/2020 upon my dispute however would not provide me documentation of the refund. XXXX denies PayPal refunded the money. PayPal explained to me once a case is open with the bank they can no longer open a case in PayPal, for me to contact my bank as their case is now closed. I then called my bank ( XXXX ) and spoke with XXXX XXXX who advised me PayPal never surrendered the funds and she provided me with the dispute form indicating PayPals response as dispute invalid as I did receive the merchandise. My issues with this is on XX/XX/2020 I did contact XXXX  indicating I did finally receive the merchandise 32 days later and that it was no longer needed and it was not describe as advertised, therefore I returned the merchandise. The wholesaler currently has my money and the merchandise. Both parties XXXX and PayPal are referring me back to one another indicating there is nothing else they can do. My major grievance in this response from both parties is that I am in no way able to recuperate my payment and the vendor has both payment and the product. Both PayPal and XXXX are stating that I must work with the other company to settle this issue and neither is willing to provide a resolution. I am asking for both companies to come to a conclusion and refund the payment processed.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NH)

I have been requesting TD Bank North and XXXX to assist with Frauduent activity from a Crytocurrency scam. I have made all the attempts to file complaints to the FTC and Internet Crime Complaint center. I have not heard from either of these companies about my complaints. 
I sent XXXX  money on XX/XX/21 for XXXX and XX/XX/21 XXXX to TD Bank North I sent XXXX  money on XX/XX/21 {$1200.00} and XX/XX/21 XXXX I was scammed by a site called pristinefx.com who asking for more money to beable to release my funds. 

I sent the money through XXXX. I had to set up my account on Changelley to be able to send money through XXXX. 

I am unable to access the money through the plateform to obtain my funds as the scammers sent it through many ways and withdrawn. 

I understand XXXX policy, however they are regulated and have to verify these people through the app. to assure they are following regulation for trading. 

My banks are siding with XXXX  as they are stating they provided a services, however the services they provided are with fraudent providers. My bank should protect my funds through these plateforms and they have not pursued it on behalf. 

I've attempted the correct people, however, since my investment is a lower amount, I have heard it is not a priorty. 

I have lost XXXX through this investment and I am unable to claim it as a lost as no one will help attain this money.
Consumer complaint received 2021-10-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 Experian received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. Experian did not comply.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

has violated my rights. Or a list of inquiries : 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 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 2020-12-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I am a service member who XX/XX/XXXX in XX/XX/XXXX through XX/XX/XXXX. I elected my Servicemembers Civil Relief Act with USAA prior to departure and they reduced my auto insurance due to the vehicle not being in use while gone. We were XX/XX/XXXX to an austere environment with limited communications and no mail forwarded on to the location. Members deactivate their cell phones while gone and turn it back on upon return. What mail is sent was arriving as late as 3 - 4 months later due to the remote location and logistical challenges. 

I had a USAA Visa credit card for well over 13 years with no issues with the credit limit up to $ XXXX. The card had a balance of over XXXX in reward points due to me equating to more than $ XXXX if cashed out. 

Apparently a {$23.00} charge appeared on the card after I departed which I was unaware of. Being XX/XX/XXXX I did not receive any communication from the lender nor could they not reach me ( assuming they tried ). USAA closed my credit card and reported over 120 days non payment to the credit bureaus. 

Upon return from the XX/XX/XXXXin XX/XX/XXXX, I immediately paid the amount and attempted numerous times ( unsuccessfully ) to resolve the issue with USAA. They mentioned if the account was " just voluntarily closed '' then the points would be available for over 120 days but would not allow credit for them in this instance. 

This is the only negative reporting I have on my credit report and it brought the score from a highXX/XX/XXXXdown to XX/XX/XXXX 

Under the SCRA, I respectfully request removal of the negative credit reporting and allow a cash out payment for the reward points balance. Because of the credit reporting a loss of available credit it would be good to have the credit limit restored as well. This negative reporting on my credit will cost me for years to come through the inability to obtain lower mortgage and loan rates, other credit cards, etc. I am due to relocate in just a few weeks and plan to purchase a home. 

Many thanks for any relief assistance you could provide. 

Sincerely, Military Member
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America has consistently charged my checking account overdraft fees that are fraudulent and frivolous. Each time I have attempted to resolve the issue it resulted in a refund. However, this time they consistently put a POS Reversal on my account. Each time the POS Reversal appears it resolves itself as if it never occurred. The POS Reversal results in my account appearing to be over drawn. A few hours later my account is positive and the POS Reversals are no longer on the account. 

Secondly, the overdraft charges I received on XX/XX/2020 were erroneous. I called the bank to complain and was told they would not refund my money. I advised the manager that I wanted her to increase my daily withdrawal limit to {$1500.00} so that I could withdraw all of my money and then take my business to another bank. The manager blocked my atm card and disconnected my call. I was stuck in traffic, had no gas and needed access to my funds. These charges and more have caused my accounts to consistently overdraft. I was also advised by customer service that banks do not process over the weekend and my charges from XX/XX/XXXX through XX/XX/2020 did not process until XX/XX/2020. This resulted in my account appearing negative. I transferred {$100.00} from my savings account to the checking account on XX/XX/2020 and an additional {$200.00} was deposited to my checking account on XX/XX/2020. Bank of America received a total of {$300.00} to my account between XX/XX/2020 and XX/XX/2020. There is no reason why my account over drafted and no justifications for the over draft fees.