davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MA)

I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX,  however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in. 
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DISCOVER BANK (NV)

Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2017, Bank of America had closed the company business checking account and the remaining balance of {$7500.00} was not returned to account holder.

I had called Bank of America Customer Services many times, long waiting on the phone, no specific reason given why account closed and finally hang up customer calls. Even sent to a couple written letters directly to Bank of America by U.S. Postal Certified Mail. Months had passed, Bank of America did not reply. Land line calling many times, customer service put me on hold for hours and later disconnect the line.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2020-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

" Customer Support Team On Tue, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Over charge for unwanted accessories. Forced accessories that I did not agree to buy. I was told that the accessories for free for upgrading my phone. I spoke with XXXX XXXX XXXX employee who stated that I would be charged the same amount. XXXX also aged that I could not get a refund. I was never informed of all the extra charges nor did I agree to the extra charges. '' Email sent to XXXX. 

I returned to the business the following day. ( XX/XX/XXXX ). I spoke with the employees ( XXXX and XXXX ) and the district manager by phone while at the store. The manager offered an apology and stated the employee would be reprimanded. I explained to them the transaction was fraudulent. Returning all unauthorized and unwanted accessories. 

At that time No manager was in the store to fix the transaction. The manager explained that XXXX would be updated and the amount financed as well as the payment amount would change. I also disputed the charges with Capital One. 

My credit card was charged on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX when I noticed the charges. The customer service employee stated XXXX knew nothing of the changes as well as didn't have correct contact information on file sent from the XXXX store. The XXXX employee stated they would call the store and followup and address the issue. 

I contacted Capital One again on XX/XX/XXXX. The customer service employee in the disputes department stated that there was nothing they could do about the situation. 

Today XX/XX/XXXX at XXXX XXXX  when I returned home from out of state. I called to followup with XXXX and spoke with an employee who gave the name " XXXX ''. The employee stated she had no information and refused to give me her managers name or information. The employee then laughed at hung up the phone on me. I called directly back at XXXX XXXX and the employee told me to call the " XXXX '' store because the manager may be at that store. When I asked for the phone number for the XXXX store the employee told me to " XXXX  it '', then she hug up the phone. 

I called Capital one to followup as well as XXXX  today XX/XX/XXXX to followup on this complaint and fraudulent transaction. No one can provide any information at this time. I was told by XXXX that an investigation was in process. 

I have contacted my credit card company to explain that these are fraudulent and unauthorized charges and they are not listening to me nor resolving the issue. When i contacted Capital One today XX/XX/XXXX at XXXX XXXX  I was told a letter was mailed with the finding in regards to the charges. I have not received any correspondence about the charges from the credit card company.
Consumer complaint received 2020-12-13
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: Paramount Recovery Systems, L.P. (FL)

This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?
Consumer complaint received 2018-07-12
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. (MI)

I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX  kids and my oldest is XXXX and legally XXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I filed a dispute for unauthorized charges that were made through my account with Chime Bank. The charges were made on XX/XX/XXXX per the the initial dispute. After one day of investigation the dispute was denied. 
On XX/XX/XXXX I called Chime customer service to appeal decision on dispute. I was informed that I would need to prove that was not at the location of the merchant, at work, etc or file a police report. Which is the first violation of my rights per USC Title 15 1693g ( b ) which place the burden of proof on the financial institution and not that of the consumer. Even with this I proceeded to appease Chime Bank by filing a police report with the XXXX XXXX XXXX Police Department in XXXX XXXX XXXX CA ( XXXX # XXXX ) I assumed this would be enough to have a thorough investigation. I was then told that it would take up to 90 days to conclude investigation. Violation 2 of my rights Per USC Title 15 1693f stating that the financial institution has sixty days after transmission of dispute. 
Im the police report and email sent to XXXX there was corrections made to dispute after going thru the transactions again, calling companies from purchases where made to ensure which charges were authorized by myself and which were not. The total of XXXX  charges were found to be not authorized XXXX charges made on XXXX and XXXX charges made on XX/XX/XXXX for a total of {$400.00}. I was able to also find that XXXX of the charges in original dispute was in fact authorized. This is all stated in email and police report. 
The dispute case was than reopened. After just one day of investigation the charges were once again denied. Even with the fact that my debit card was not in my possession due to card being lost. I once again called chime bank customer service on XX/XX/XXXX to request documentation with full disclosure of evidence that was used to my a conclusion of transaction error. I was told by XXXX of the dispute department that it would be sent to me within 10 days. Violation XXXX of my consumer rights per USC Title 15 1693f. ( d ) which states that the documentation would be provided within 3 business days after conclusion of investigation. 
I informed representative of these violations in hopes of resolution. After being informed there was nothing he can do for me as a customer of the financial institution and consumer I will be filing a complaint with the proper authorities. The representative responded that I should do just that.
Consumer complaint received 2024-03-04
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. (TX)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account is associated with the following entity : XXXX  XXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-01-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Contacted XXXX  disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that XXXX   has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018, I transferred {$2500.00} to my NFCU checking account from my account at another bank in an attempt to pay of 2 ( TWO ) credit card balances for an offered amount from NFCU of {$2500.00}. I sent an eMessage in the secured message center of the member area indicating that the above stated amount was transferred and authorizing that the balance be paid for the offered amount for the 2 ( TWO ) credit cards stated in the email. I received a response a couple of days later informing me that {$2500.00} was drafted from my account to pay 1 ( ONE ) credit card. I did NOT authorize the amount drafted, nor did I authorize it for only ONE card. I replied to the message via the secure message center stating this, and received another response stating that these matters can't be discussed via eMessage and that I would have to call. I prefer emails so that there is written proof of what occurred. Last week, I received an email from the " Recovery Department '' stating that my husband did not pay off the balance owed on his card and I received one today stating the same. I emailed the recovery department last week and was told that my email was not secure and that they could not speak about it in such a manner. Attached are all of the copies of emails and letters as well as a bank statement showing the amount drafted from my account.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX a vendor double-charged my Chase card for {$1500.00}. 

I told Chase of the problem by phone and they refused to correct the problem. They required me to fax in more information, which I did. 

In early XXXX they put a notice in my account statements section saying that the double-charge was rejected and I had to pay the invoice twice. 

Having exhausted myself in the effort to show Chase this was a simple double-charge by error or fraud, I ask for your help.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was marked as late on XXXX XXXX ( Auto ) account XXXX. I do not think I was late per the attached dispute letter sent. I am asking for this matter to be looked into again and more specifically how your company investigated this information with XXXX XXXX. SEE ATTACHED.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (WA)

I opened a Chase Merchant Payment Solution Account under invitation from Chase who offered me bonus of " Earn {$1000.00} when signing up for Chase Merchant Services and processing {$2000.00} in payments in at least 5 transactions ''. I opened the account before required deadline and finished processing required transactions into my Chase personal checking account, but I did not receive the bonus. I contacted my account manager but he said I did not qualify because the offer required a Chase Business Checking account, a reason that never showed up in terms and conditions in the offer letter ( attached ). 
I thought Chase must issue me the bonus since I finished all requirements as per terms & conditions in the offer invitation letter. It should be Chase Bank 's error not listing any other hidden condition in its advertisement to customers.
Consumer complaint received 2020-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I have a serious concern - AGAIN - of what XXXX is doing with our escrow money. Last year ( XXXX ) we had to contact the CFPB for homeowners insurance fraud and escrow fraud on XXXX XXXX and it appears we have problems again. 

Here are the 2 problems : Our homeowner 's insurance is not {$460.00} as it states on XXXX 's online info. It's actually {$480.00}, we just received the bill yesterday - XX/XX/XXXX. 
Our last XXXX statement said we had an escrow balance of {$3600.00} on XX/XX/XXXX and today ( XX/XX/XXXX ) it states we have a balance of {$1600.00}. Our property taxes are only {$980.00} - which should be an escrow balance of {$2600.00}. I have 2 documents to prove this amount.

This is the 2nd time we have had fraudulent activity with this company involving our escrow balance and homeowner 's insurance. Lakeview Loan Servicing did not pay our homeowner 's insurance last year, trying to tell us we had to purchase their insurance for a maximum premium. They tried stealing our escrow money and until we contacted CFPB, we got it back. 

I emailed and sent in the 2 documents to XXXX complaining about this issue. Please investigate XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) This is the 2nd time we are dealing with this XXXX!!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC. (CO)

Filed a complaint against equifax 2 weeks ago for fraudulent activity on my credit card that I never used. They are now needing me to send verification of my identity.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these particular inquiries from my credit report, as they adversely affect my creditworthiness.
Consumer complaint received 2019-09-02
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. (CA)

XX/XX/2019 I used Experian credit XXXX XXXX to raise by credit score by linking by bank account. My regularly paid bills such at internet, cell phone and utility bills helped raise my score. this raised by score 39 points. I deleted the connection and my credit score was lowered. I attempted to reconnect my bank account and was denied and have been denied since, today is XX/XX/19.. I entered my bank account information, website, address etc. I sent numerous inquiries to Experian about being denied the XXXX XXXX. I continue to be systematically denied a service that can increase my interest rates on credit cards and my recent installment car loan on XX/XX/19. Because I'm a member of XXXX XXXX XXXX Experian has systematically denied me the right to have services that will increase my credit score thereby giving me access to better interest rates. As a result I'm subjected to predatory business practices that have increased my interest rates on my car loan and credit card. I'm being treated unfairly and discriminated against because I'm not a member of a certain banking group. Systematic discrimination practices by Experian not to offer me the benefit of using their XXXX XXXX  has cost me thousands dollars more on my recent car loan. This is unfair and illegal! I want to be made whole.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/2022, I called Citi XXXX XXXX XXXX XXXX XXXX Customer Service at XXXX. I did not want to pay {$99.00} for the next year membership and wanted to cancel my card account. A customer service representative told me if I pay the {$99.00} membership fee and spending {$1000.00} in 3 months, I can get XXXX mileage reward points of XXXX XXXX. I believed what he said and paid {$99.00} membership fee on XXXX/XXXX/2022. 

I spent more than {$1000.00} in 3 months since XXXX/XXXX/2022. On XXXX/XXXX/2022, I called the card Customer Service about my reward mileage points. I was total the reward mileage points are NOT XXXX. I can only get XXXX mileage points instead. I believe that the Citi XXXX XXXX XXXX XXXX XXXX Customer Service cheated me. This is business fraud!