davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (WA)

I booked flight tickets online from XXXX on XX/XX/XXXX through Chase card with a total amount of {$1500.00}. Few weeks later I had to change the flight and their online system would not work for my tickets. After calling multiple times, XXXX accepted their system would not work for my flights and I have to change it on phone only. This was a huge trouble for me. 

I raised dispute on my Chase Sapphire card regarding bad service from merchant and they provided provisional credit for full amount. After reviewing dispute with merchant, Chase came back to me that they can not do anything and they will charge cancellation fees of {$240.00} and that was rebilled on the card on XX/XX/XXXX, while remaining amount will be refunded. I agreed to that, and asked Chase to close the dispute since they were not doing anything special and deducting the same cancellation fees as I would get if I cancel the flight. 

I called XXXX to confirm my flights were cancelled and they told my flights are already cancelled. On XX/XX/XXXX I checked another rebill of {$1300.00} on my Chase card. I contacted XXXX if they have refunded my ticket and they said yes, but Chase said they have not received any refund. I called Chase, they asked me to open dispute again. I opened dispute on XXXX XX/XX/XXXX and attached chat history with XXXX in my dispute where they said they have already refunded for my flights, but Chase has closed my dispute without resolving it saying it is too old.
Consumer complaint received 2022-02-04
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. (TX)

I DEMAND these XXXX accounts to be REMOVED/DELETED from my credit report. These items are listed as charged off. Meaning the creditor has filed IRS Form 1099C, which is cancellation of debt form that changes the debt status to ordinary income. 

It is illegal to report income on credit report therefore the 15USC1681 ( e ) ( b ) is in violation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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. (OK)

Experian Deleted an account that was the result of Identity Theft XX/XX/XXXX XXXX. 
Today XXXX XXXX my monitoring service notified me that it was gain placed on my EXperian credit report. 
Per FCRA once an item is deleted is not to appear again on my personal credit report. 

Confirmation of the Deletion via Experian XX/XX/2021 EXPERIAN Report no XXXX ( confirmation of deletion ) XXXX ACCT NO XXXX
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I have any knowledge of the said account Midland Credit Management I have contact this company in the past & thru CFPB asking for validation of this account the out come is always a letter stating that the info is correct! How is this info correct? How did you verify this information to be correct? What proof do you have to show this info is correct? Can you please share with me how you found this info is correct? I tried to request verification online today thru XXXX & i received a statement saying that MIDLAND wo n't reinvestigate this matter but it was never proven to me how is was my debt! I have attach the letter that was sent to me just stating that the info is correct
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fraudulent attempt to open a credit card in my name - Called and stopped application. 
However, it took XXXX XXXX 6 months to have removed This time on XXXX XXXX, XXXX the same event occurred again. I called and stopped the application but XXXX XXXX failed to call me first ( Had a credit alert in place at the time of application ) and as of today XXXX/XXXX/XXXX failed to removed the hard hit from my credit report. I have spent over 8 hours over a 5 month period and have complied with their directions and faxes. 
I need help with XXXX XXXX to comply with the 90 day limit for removal.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NM)

Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (DE)

I disputed a charge with my bank after a seller guaranteed a refund after they received confirmation that the items were returned. I sent the company proof that the items were returned and the company stopped communicating with me. The company sent me an email on XX/XX/2022 requesting that I cancel the dispute with my bank before they issued the refund. I refused to do so. The company has not made contact with me since then. I filed a dispute with my bank for this and the bank stated that the company did not give a time frame of when the refund would be issued so they rejected the dispute. I have provided documents to the bank providing proof of the guarantee from the company along with delivery tracking information. The bank is refusing to reopen the investigation.
Consumer complaint received 2022-02-04
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. (MI)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2600.00}
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (CA)

This is the second complaint filed on this company and they still have not provided the information I sent in written request to them. After I filed the first complaint they blocked me from there companies main number and the ones they called me from and I still can not call the main 800 number and now they are calling me from a XXXX number before it was XXXX in California XXXX They are calling and when I answer hanging up to get me to call back and act as if I called them. I've sent in written request for them to provide me with the contract I had with the debt they say I owe and all they've sent was a half copy of a bill that looks to be photoshopped and is uneven on the paper. I filed the first complaint back in XXXX and have heard nothing from them until now and they are now harassing me with the hang up calls. They are now violating my rights as a consumer and this is getting out of hand
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I received a check for refinancing my car with XXXX XXXX drawn on a XXXX check. I did a mobile deposit with Chase and the check was put on hold for 7 business days. The check cleared but put my account in restriction. They stated the number for the company on the check was not valid and they could not verify the check. The company is a real business and print checks daily with no issue. I provided multiple numbers for them to validate the check and Chase refuses to validate and clear the check to my account. SO now I am without the funds and having to repay the finance company for the funds loaned from that refinance check. Check will not release the funds to my account.
Consumer complaint received 2022-07-20
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: CAINE & WEINER COMPANY, INC. (MI)

Account Number - XXXX Caine and Weiner XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
Consumer complaint received 2017-02-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I became permanently XXXX XX/XX/XXXX. I am XXXX % service connected veteran and also on XXXX, I was forced in to bankruptcy. During the bankruptcy I signed an affirmation agreement on my XX/XX/XXXX XXXX and paid the balance in full. USAA has the credit report showing a charge off after a XXXX day late XX/XX/XXXX. First off a financial institution does not charge off anything for XXXX days, a XXXX day late is not a charge off. The payment was not even XXXX days late, due to the bankruptcy and reaffirmation agreement there was a mix up with the bank I believe. This loan was paid in full prior to payoff date even.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I asked Transunion to verify a inaccurate account # XXXX XXXX XXXX and Transunion responded that the account was verified as accurate. This account # XXXX XXXX XXXX can not be accurate as it belongs to XXXX XXXX XXXX and that is not me. I am XXXX XXXX XXXX. The address along with this account # XXXX XXXX XXXX is an inaccurate address because I have not lived at the address associated with this account. 

Transunion is in none compliance with the LAW : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair creditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, creditcapacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
The reporting of this account # XXXX XXXX XXXX is a violation as it is reporting inaccurately. Transunion is held and govern by this law so that I as a consumer have FAIR AND ACCURATE REPORTING. 

Transunion is in non compliance and violation for reporting this inaccurate information as XXXX XXXX XXXX is not myself XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Transunion did not follow reasonable procedures to assure maximum possible accuracy of information concerning the individual ( myself ) ( XXXX XXXX XXXX ).
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/2023, I filed a case with Paypal to return an item purchased on XXXX by XXXX XXXX XXXX XXXX, AL. On XX/XX/XXXX, I received an email saying that the seller was offering a full refund if I returned the item. The item had already been sent back, and the seller received it on XX/XX/XXXX. I sent Paypal the tracking information for this item. It was shipped by XXXX XXXX XXXX XXXX with the PRO ( tracking ) number XXXX. 
On XX/XX/XXXX, Paypal sent me an email saying they had denied my refund because the tracking number was invalid. I went to https : //www.rlcarriers.com/freight/shipping/shipment-tracing, typed in the tracking number, and verified that the item had been sent and delivered. I contacted Paypal about the matter and asked them to call XXXX XXXX XXXX XXXX to verify that the item had been delivered to the seller. Paypal said that they are unable to call the carrier, and that I would need to give them a valid tracking number ( I already explained to them that the tracking number I gave them was valid ). Paypal now refuses to refund the payment despite proof that it had been delivered. I will need to seek counsel from an attorney if I can not receive the refund.
Consumer complaint received 2020-09-10
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. (FL)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

DITECH mortgage is a scam and ruining people 's lives and credit and they do n't have a care in the world. They process your mortgage payments at least 3 weeks or more after you have sent in a payment which the next payments has late fees because they took forever to process the payment. Asked for a loan modification due to my spouse 's XXXX and now I am in the foreclosure process. Things just dont add up, it takes eternity to speak to a rep and when you do they are rude and will transfer you around various times. They never receive any of your paperwork on time by fax or email. This company is a SCAM, RIP OFF how are they allowed to operate like this. Looking for help and a way out from DITECH.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

Chase Bank mailed my debit card to an address I never gave, where it was immediately activated and used by someone who withdrew all the money in my checking and savings accounts. On XX/XX/23, I received a call from XXXX. The man said his name was XXXX XXXX and he was with Chase Bank Fraud Protection. He said he tried to call me on their main line of XXXX and asked if the number had been blocked in my phone. He stated there was an alert on my debit card and asked if I had bought concert tickets in XXXXXXXX XXXX When I told him I did not, he reported that he would close my debit card and mail me a new one. He asked my mailing address ( I confirmed that it is in XXXX XXXX XXXX ), and he told me I would receive a new debit card. He said if I wanted it delivered the next day ( XX/XX/23 ), they would waive the expedited delivery fee. 

Today ( XX/XX/23 ), I saw on my account that on XX/XX/23, someone activated the new debit card and made XXXX fraudulent withdrawals and XXXX fraudulent debit transactions from my checking account and XXXX fraudulent withdrawals from my savings account, all of which were in XXXX, XXXX. When I called XXXX at XXXX, they closed the debit card again and will refund the fraudulent charges. They confirmed that a XXXX XXXX XXXX representative had indeed mailed the new card on XX/XX/23 to a different address from the XXXX in my account, which must have been a clerical error, but could not account for why it was mailed to a totally different address where it was immediately used for fraudulent purchases.
Consumer complaint received 2021-01-26
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-12-28
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: BARCLAYS BANK DELAWARE (NY)

My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve. 

How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (DE)

My bill was due on XX/XX/28 and I paid it in full on XXXX. The statement closed a few days later and I was still charged interest. I paid double the statement balance and still charged interest on what I had already paid. I chatted with amex this morning and they waived XXXX of interest but not anymore.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened