davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (DC)

Hello, I have a Chase Sapphire Reserve Credit Card. This has a {$400.00} annual subscription so I generally expect pretty good service from the card. These are troubling times and I wanted to make a purchase of flowers from the Chase portal 's recommended florist, XXXX, and pay with my Chase Sapphire points. I went through the Chase Portal to get on the XXXX site and purchased an arrangement to send to my mother in Michigan. I specifically selected Chase Pay as my payment option and then clicked Pay with Points. After that, I saw that the website never showed me how many points it would cost but it did just charge me {$75.00}. I called Chase for help. They said I must have made a mistake to cancel the order and try again. I called XXXX and waited almost an hour on hold to have someone cancel my order. As far as I can see, it still has not been cancelled. Then I tried the portal again. The same thing happened. I called Chase again for help and this time I was transferred to tech support who told me that Chase Pay is obsolete and none of their vendors should be using it as they have a new payment system. She said I should know not to use Chase Pay. This was my first time attempting to buy anything with points through the Chase portal other than travel. I then realized that XXXX did not just charge me XXXX twice ( so {$150.00} total ) when I selected to pay with points, they also took XXXX points out of my account. When I go to see my point activity this does not show up at all. So there is no record of these points leaving my account. No one would have any idea they were charged. I figured it out because I knew I had more points that morning and went back to look at previous statements. XXXX points was missing. I called Chase again for help and they said they would look into it. This was now 72 hours ago. I would never, ever want to do business with XXXX again and I do not trust the Chase system to process payments for anything. I'd like a refund of XXXX points and my {$150.00} back. They also need to make sure the people they say have functioning platforms on their system actually are functioning and not scamming customers and robbing them of their hard earned points. Thank you.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.
Consumer complaint received 2020-05-18
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. (GA)

XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, Dept Of ED/XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion   regarding my credit file. TransUnion  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept. of Education/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  via XXXX XXXX reported to the TransUnion that I applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom this may concern, My credit dropped fifty points due to a report from XXXX XXXX borrowing per Transunion, and there are no details present. My account was put into automatic forebearance due to the CARES act, and I was under the impression that the report from this company to the credit companies should show " on time. '' Please advise and help. This issue happened seemingly overnight, and I want my accurate credit correct on my next report ASAP. I can not submit a claim to Transunion until I am off of work on Thursday during their business hours, as they are not allowing online claims to be submitted. I also filed an online claim with XXXX XXXX. 

Thanks in advance, XXXX XXXX A Frontline XXXX
Consumer complaint received 2020-05-18
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: FACTUAL DATA CORP. (TX)

On XX/XX/2019 Factual Data made an inquiry on my XXXX   credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I believe there is a billing discrepancy I was billed for what I pumped as well as the prepaids - my card was charged twice for something I did not receive. 

For example : XX/XX/XXXX XXXX pumped {$25.00} worth of gas however I was charged {$51.00} ( {$50.00} was what I prepaid - including an additional {$1.00} for?? ) on my statement I was billed {$77.00} In addition, from my experience at XXXX XXXX XXXX XXXX gas stations, it seems as though they practice meter creeping because I got charged but my gas tank never filled up as I did not receive the gas from the pump. A lot of times, the pumps are out of gas.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My XXXX Card was paid in full and closed in XXXX of XXXX due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. XXXX Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with XXXX ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-18
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: Credit Plus Inc (TX)

On XX/XX/2018 Credit Plus made an inquiry on my XXXX  credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they had permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Consumer complaint received 2020-10-29
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. (NJ)

To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is XXXX, XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monroe Credit, LLC (LA)

Was sent a text on the day my payment came due stating “Reminder from Trenton loans about your XX/XX/XXXX payment your 10 day grace period will end on the XXXX... It will have a XXXX dollar  late charge.. what day can I set your account for?? And we are going to to be doing end of month closeout on the XXXX by lunchtime will need payment in to keep from rolling past due on credit report.“My account cannot report past due on my credit report until it has rolled 30 days past due. This statement implies that my credit report will be affected if I do not pay by lunchtime on my 10th day.
Consumer complaint received 2021-10-14
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. (IL)

On XXXX XXXX I disputed the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Consumer complaint received 2022-08-12
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: JPMORGAN CHASE & CO. (MO)

There are 3 hard inquiries on my reports from XXXX  XXXX XXXX, XXXX XXXX, and JPMCB. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VT)

I never wanted this credit card to begin with but the Sales Person made such a hard sale about signing up and how easy it was. I completed the application with Banana Republic and received a credit card with a {$500.00} limit. I used the card three, maybe four times, I always paid my account in full. I havent used the card in five months and out of the blue I get a letter from them closing my account!!! My credit score is BETTER than it was when I applied for the card, now I have a negative notation on my credit report because they closed the account. They shouldnt be allowed to impact my credit score because they decide to close my account. I never wanted the card to begin with AND by extension I wont be shopping at Banana Republic anytime soon. If Gap thinks doing business with Synchorny is great, they can keep all their rotten business!
Consumer complaint received 2020-08-29
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. (MA)

How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.
Consumer complaint received 2020-10-29
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. (NY)

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, Equifax, XXXX  ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (MD)

I have contacted us bank numerous times and they agreed to close my line of credit account and stated that the money was not owed. But now they have reported my debt to the credit agencies and they will not return my calls or emails. I have reached out to them to pay the rest of my credit card accounts but they wont call me back or email me back and I keep getting transferred to someone with a full voicemail box. Now they are charging me interest and late fees When Ive contacted them numerous times to make a payment. I also was told my late fees and interest fees would be waived which they havent been. Very upset by this process, clearly I am not a valued customer
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

The card was open by fraud. I called and explained to the company and credit company that I was XXXX XXXX. My information was stolen and reported. I sent statements to the agency regarding the event that had taken place. Reports filed. The credit company 's removed from my report 30 days later. I received a letter that it was reinserted on my XXXX XXXX. This is a fraud account and I need assistance with problem. I return from was and have to fight to get my information corrected. Please help! Provided XXXX XXXX with a copy of the police report and FTC. Received a letter stating it would be removed from all three companys
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts,
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (IL)

My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (NJ)

I applied online credit card for Milestone through XXXX XXXX XXXX  but it got declined. But later they sent me a new credit card for {$300.00} without my knowledge and charged me XXXX yearly fees I called them and told them why are you charging yearly fees {$75.00} for just {$300.00} credit card they told me to cancel it. I told them fine as I have not applied for {$300.00} credit card so please cancel it. But later due to there mistake now my credit score has come down and finding it difficult to apply for car loan with low interest. As I request you to do the needful since it is not my mistake and without my knowledge they had sent me the credit card.
Consumer complaint received 2020-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, XXXX, Transunion ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.