davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (PA)

RE : Case number : XXXX Regarding the above referenced case number, Chase responded with a letter dated XXXX XXXX, XXXX advising that they would not be refunding the {$150.00} balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. They state that there was no mention of interest charges during the call on XXXX. The fact is that I made calls to Chase on XXXX @ XXXX, XXXX @ XXXX XXXX and XXXX @ XXXX XXXX. Is n't it funny that they said they reviewed the call on XXXX, but there was no call on that date? Also, during the call on XXXX, the actual balance transfer was initiated, but not before I confirmed the terms of the offer again ( thus the reason for my argument ). After the balance transfer was completed and I received the letter dated XXXX, I immediately made my third call on XXXX as I said that the letter has different terms than the original offer letter and the subsequent calls I made to Chase to receive clarity of the terms of this offer. In summary, my argument remains as this - I agreed to pay the {$150.00} transfer fee under the assumption that the money would be interest-free through XXXX, as stated in the offer AND there would be no additional interest charges on my new purchases during that offer period, so long as I continued to pay off all new purchase charges each month during the grace period. As evidence of my calls to Chase, I have provided my phone records for these initial 3 phone calls. In the call on XXXX, I clearly stated that the letter I received offers contradictory information than that which was described in the original offer letter and then verbally, in the 2 phone calls made to Chase on XXXX and on XXXX, when the offer was accepted. The reasoning for asking for the {$150.00} refund is that I would NOT have taken advantage of the offer if I had known that interest would accrue on my purchases AND after taking advantage of the offer, I would have immediately retracted if I was properly advised that the interest was going to be charged. After contesting the issue for a few months, I immediately repaid the money to avoid additional finance charges. The fact remains the same, however, that I paid {$150.00} to have the {$7500.00} interest-free through XXXX and had to repay that amount prematurely. So again, I reiterate that I see this as a hook, line and sinker ... .A deceptive offer was made and I took it.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

After dispute results came back as Remain on report, I contacted Affirm to have them determine why they would ask the balance to remain when they are in agreement that the balance is {$0.00}. Their suggestion was to use a document from them in the dispute showing {$0.00} balance. I waited a few more weeks, and now Dispute says REMAIN again. Per XXXX they contacted Affirm a 2nd time and they told them that the balance on the report of {$540.00} should remain on the report, despite their acknowledgment to me that the balance is {$0.00}.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, Thank you for taking the effort to help me. 

At XX/XX/XXXX I made a money withdrawal from my Coinbase account to my bankaccount in The XXXX. I did this before and after this date as well and never experienced any problem. 

But on the XXXX, something must have gone wrong because the money never arrived and is still pending. I contacted support at Coinbase, they say that the investigate the issue, but it 's already more then 10 business days and i 'm still waiting for my money. 

On the history page, the say it will be on my bankaccount the XX/XX/XXXXr, but it never did. 

When you XXXX 'coinbase support '' on the internet you 'll notice there are o lot of complains about money that 'stolen '' from people. A lot of issues have to do with the exact date of XX/XX/XXXX. For example on this XXXX page : http : XXXX It 's a decent amount for me : XXXX euros and more than 10 days is really annoying and I 'm beginning to worry if I 'm gone see this back. 

Hope you can help me to receive my SEPA withdrawal like it supposed to be. 

Thank you very much. 

Regards, XXXX XXXX
Consumer complaint received 2019-11-08
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. (FL)

I was at XXXX XXXX on XX/XX/2019 and the service manager was telling me about a product called XXXX. Only a soft inquiry. I could choose how long I wanted to pay Up to 12 months on balance after making initial down payment through my debit card for initial charge. I was approved for {$3700.00}. XXXX is Apparently through a bank called XXXX XXXX XXXX  , XXXX., I used the credit line to pay for my repairs. 
I received an email later in the day. It came with two attachments. One was a disclosure that says a soft hit will be done to determine credit limit. However, if I use the credit line, a hard inquiry will be made. The second attachment was a multi page loan agreement. It showed payments, that I paid XXXX  XXXX XXXX and not to sign the document until I agreed to everything. I didnt see all of this documentation until I received the email long after the transaction. When I read it, at the bottom it has my name printed and date and time I signed it. If I had known it would have pulled a hard inquiry and would be subject to Florida documentary tax stamps, I would not have proceeded. This has now impacted my credit by a hard inquiry, and now Ill have a small dollar loan that will look like a payday loan. That could give impression if I apply for credit I truly would want that I may have financial difficulties. This was very misleading. I do not think dealerships or anybody for that matter should offer a product like this without full disclosure. I was told to tap here on the tablet, tap there, sign here. I saw the TIL, but it didnt click that it was an actual loan. I didnt see any disclosures or loan details and items that are part of a promissory note until after I signed, I got home, and checked my email. I thought I had a credit line up to {$3700.00} and they just helped me figure out payments to have it paid off in 6 months. I Also found out that the debit card that I used to make up front payment will be used for auto debit for loan payments. I would never had agreed to that. I feel as if Ive been taken. Im embarrassed about this now, and angry, and feel used and suckered. This was very shady. This could be a good product if it was explained in detail by an actual lender, not the service writer at the dealership.
Consumer complaint received 2019-11-08
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: Innovis (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Numerous times i have disputed with Experian about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And Experian knows this. And still refuses to removal, or they are simply ignoring this matter.
Consumer complaint received 2018-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I started to notice in XX/XX/2018 that when I deposited money in my checking account, the balance was always low. I made a deposit of {$500.00} and the next day my balance was less than {$200.00}. When I called Wells Fargo to investigate, I was told I had two checking accounts and the other one did not have the minimum balance required therefore they took the fees from my deposit. I never consented to a second checking account. I demanded Wells Fargo return my {$500.00} but was told there was nothing they can do.
Consumer complaint received 2019-02-22
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-10-07
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. (CO)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

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 2021-07-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This acounts i never opened them they are not mine and someone else used my name so this are fraudulent. Please remove them from my credit report as soon as possible. XXXX! XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$1600.00}. XXXX XXXX XXXX, XXXX # XXXX XXXX, amount {$570.00}. XX/XX/XXXX XXXX, Acount id : XXXX amount {$590.00} XX/XX/XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$7100.00}. XXXX, subject loan # XXXX, amount {$5000.00}. Im disputing this again and please take this off my credit report from XXXX, XXXX, XXXX. Thankyou for understanding and your help really appreciated.
Consumer complaint received 2019-11-08
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: CORELOGIC INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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
Consumer complaint received 2019-11-08
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 (TX)

RE : Dog-related case. 
Claim number : CareCredit ending in XXXX Dear CFPB : I am writing on behalf of the patient, XXXX. I am the Owner of XXXX. 

Patient : XXXX XXXX number : CareCredit ending in XXXX Provider : XXXX, XXXX, CareCredit Date of Service : XX/XX/2019 through XX/XX/2019. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019, I received notice that this claim was denied. 

I am writing you with respect to the following claim. 

The explanation that accompanied the denial is inadequate and I need additional information. Please provide an appropriate explanation. 

In support of this claim, nobody reads the documentation. 

The professional 's lack of carelessness directly caused the death or damage  " XXXX endured/ suffered. XXXX  pet ER ( Synchrony bank required agreements starting with Vets ) also didn't incorporate to whatever provision obligating clinic ( the subcontractor ) to comply with the rules. The professional error made me lose my dog, but also that XXXX would be alive if no mistake had been made. Synchrony Bank failed to practice the selection procedures uniform, to all applicants, which resulted previously in a contrast in the rates of acknowledgement of XXXX and XXXX were approved. XXXX decided doctor 's facility at present needed to comply in light it might have been a regulatory subcontractor. The mischief XXXX suffered on behalf of the professionals resulted in a real economic loss to me. Professionals have neglected to use at least ordinary professional skills to carry out the task. The persons claimed to be specialists, in which case the standard is higher. The physician or other experts owed me a duty of care. You are required to notify Law Enforcement of Crimes against Persons ( Mandatory Reporters ). Dispute is being reported against physicians and various specialists. Accurate or deceptive reports by financial firms and other violations of accounts. Infringing the responsibility to treat the patient or client equally. Take the customer 's money. Misrepresentation or omission of essential XXXX data. Move the account. 

The adversary in this action is three entities affiliated with Synchrony Bank : XXXX, XXXX, CareCredit. No standardize screening practices for dog XXXX. Notes were not substantial. More concerned with personal objectives. Knowledge level of agents : 4 ( ranging from 1=Very Poor to Ten=Very Good ). Number of phone transfers : 5-8. Didnt improve customer satisfaction.
Consumer complaint received 2019-11-08
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: EQUIFAX, INC. (TX)

I have attempted multiple times to dispute with Equifax, law violations and incorrect information on my credit report presented by a collection company named XXXX XXXX XXXX XXXX. the last dispute dated XX/XX/XXXX. that the company failed to send notice of collection to a consumer, the company refuses to communicated with the consumer unless taking payment information. Equifax was also informed that the account was involved in a lawsuit and the collection agency collecting does not have a contractual obligation, the correct date of first delinquency information and or right to collect this account. On XX/XX/XXXX Equifax was then given the information by Fax that the information on my credit report was not accurate and should be removed, Equifax proceed to use that information given and corrected the inaccurate account without verification via E-Oscar the correct validation process according to The Fair Debt Collection Practice Act. The company XXXX still has not validated any information or mailed anything in writing verifying the account. Equifax has continued reported that they have verified the information is accurate, even after I have fax over proof that the information is not, on the account the date of delinquency is dated before the date of service, if the collection agency has the right information they would have known that, which is why I don't understand why Equifax refuses to remove the inaccurate collection account and violation of my consumer rights
Consumer complaint received 2019-11-08
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: EQUIFAX, INC. (GA)

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.. I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

I Tranferred XXXX XXXX XXXX XXXX to Chase XXXX checking account from a XXXX XXXX XXXX. There was a reference number for XXXX given to verify the transfer. The bank put a hold on my acct. until funds could be verified. I received a email on XX/XX/XXXX, letting me know the hold had been lifted. I went to the Social Security office to verify they had the correct direct deposit for the money card and they did. The next time I tried to log onto to their website there was a message stating that there was a restriction on my account because of suspicious activity. I called customer service and wanted to know why was my account restricted and the representative told me to go to a Chase with two forms of ID to verify the account was mine. I presented my XXXX Drivers license and my Chase debit card. After doing so they still couldnt verify my account. I wasnt really told why. I changed my direct deposit information with Social Security so my check could come directly to Chase. A check in the amount of XXXX was deposited on XX/XX/XXXX, and returned. Then redeposited on the XX/XX/XXXX,. I am still being asked to verify that the account is mine. The bank told be yesterday XX/XX/XXXX, they were going to end their relationship with me on XX/XX/2022 and mail me a check for the remaining balance. I didnt understand why they had to wait until then or why mail the check if they wanted to end their relationship with me. 
XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I don't know why PayPal stole my money PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with PayPal XXXX XXXX balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Law Enforcement Seizure
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

N accordance with the Fair Credit Reporting Act Convergent  Outsourcing Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2019-11-08
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. (GA)

XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX Balance - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX  XXXX XXXX XXXX and TRANSUNION credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Consumer complaint received 2019-11-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I reported unauthorized charges on our credit card account XXXX and Bank of America did not even investigate our claim and didn't send any correspondences, they just sent one letter stating they denied our fraud claim. I read from numerous places and have been told that Bank of America has a practice of not investigating claims and quickly denies claims. This is an unethical practice and we should not be treated like this