davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: JPMORGAN CHASE & CO. (VA)

Chase advertised that once I spend {$7500.00} with in 90 days of opening the card, I will get XXXX points equal to {$750.00}. I have fulfilled and spent more than {$7500.00} and now chase is saying they do not honor it because they are not posted before XX/XX/XXXX. I as a customer do not have control over when the merchant charges or chase posts the charge as I have a document proof that I made purchase on XX/XX/2022 which is well before the offer deadline of XX/XX/2022. 

I feel like these banks have cheated me in opening their card and made me spend all the money without offering their end of the bargain.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (FL)

Please note that on XX/XX/2022, I opened CFBP complaint # XXXX. On XX/XX/2022 I also sent certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX which was delivered XXXX  XX/XX/2022. I asked them for the following : 1. ) Evidence and authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter 2. ) Authorization of law for collection of information 3. ) Authorization of law to collect for this alleged debt 4. ) Send ALL of the dollowing evidence to do business or operate in the state of FL 5 ) Provide proof of the alleged debt including specifically the alleged contract or other documents bearing my WET signature.

Please note it is way beyond 15 days, almost one year yet they have continued to harass me via mail and have yet to furnish ALL I requested above therefore this matter should be permanently closed and all reporting to bureaus should be ceased. Failure to do so I will seek immediate legal action against you for continuing to report false and inaccurate information on my report. 
Please conduct yourself accordingly
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (IL)

I submitted a dispute via certified mail to XXXX in regards to the collector Rent Recovery Solutions and it was filed on XXXX including court documents for removal. XXXX removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX XXXX  XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (IL)

XXXX was submitted information and court documents involving Rent Recovery solutions fraudulent claim of debt owed to the XXXX at XXXX in the amount of {$7600.00}. When contacted on results of the dispute XXXX verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. XXXX then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX at XXXX was in litigation with me over the matter and on XX/XX/2023 I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (SC)

The transaction, in the amount of {$500.00} occurred on Friday XX/XX/2022. I was not told by the Lendumo Representative, XXXX that the payments in the amount of {$160.00} would be drafted from my checking account biweekly. Twice each month. I have used the {$500.00} I borrowed to make 1 payment already in the amount of {$200.00} drafted from my account today XX/XX/2022. The next payment is due XX/XX/2022. I'm saving that amount to make this payment and 3 payments are outstanding. How could this process be a help to the working class? I pray noone else gets caught in this criminal scam.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Was Wells Fargo supposed to purge Accounts with Funds as Policy and deny Transfer? CFPB should hold Wells Fargo accountable for in fraudem legis ( Legal Fraud ) relating to purging my Accounts with Funds in them and for Wells Fargo 's inherent failure to transfer said Funds to the Arizona State Treasury as promised for my retrieval by Complaint. 

After the selling of the Crime Scene to my Case in XXXX XXXX, Nevada, i.e. -- XXXX XXXX  XXXX XXXX -, XXXX XXXX, which was my Bank at the time in XXXX, XXXX, purchased Wells Fargo and continued to transferring the Bonds of Damages began with the XXXX XXXX  in XXXX till XX/XX/XXXX, at the incident Change of Address to XXXX XXXX XXXX XXXX ( XXXX  ) and with XXXX, being the last of the Transfer. This Change of Address, ( COA ) see, Attachment, XXXX, was an advice from XXXX XXXX XXXX, Branch Manager of the Wells Fargo in XXXX, Oregon. She also advised, that, if I did not, the Bank will transfer my Funds to the Arizona State Treasury and I would have to file a Complaint to retrieve my Funds. But when these Accounts were foreclosed in XXXX, XXXX due to Overdrafts, Wells Fargo did not transfer my Funds to the State 's Treasury for Safekeeping as promised. ( See, Legal Fraud ). Wells Fargo also remitted a {$500.00} Ref : # XXXX NA, Promissory Note, Document # : XXXX, see, Attachment, XXXX on XX/XX/XXXX to my XXXX  Trust Account without my Consent. Which Act violated the Uniform Commercial Code ( UCC ) Patent Ambiguity for Amount in excess of {$490.00} requiring the signing of Agreement. Which Act also concludes inherent culpability to pay by Quasi Obligation, the alighted Funds, therein, at-law.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (KY)

PNC CONTINUES TO IGNORE THE FACT THAT THEY HAVE DONE WRONG IN MULTIPLE WAYS TO HELP ME SOLVE AND MAINTAIN MY ACCT.AND IGNORE ME AS WELL THE PEOPLE OF PNC HAVE WENT AS FAR AS TO CUT ME OFF OR TELL ME WHAT I WANT TO HEAR 100 % ASTO HANDLE MY DISPUTES WITH NO SENSE OF CARE ALSO DOWN TO ABSOLUTELY FROM SOME NOTHING AT ALL WHEN IN THEIR SO CALLED POLICYS TIME IS OF THE ESSENCE ALSO IGNORING ONE OF THEIR SUPPOSEDLY BENEFITS WITH THE ONLINE BANKING WAS WITH THE VIRTUAL WALLET NO FRAUD WHICH I FEEL WAS SHOVED DOWN MY THROAT NO OTHER OPTIONS GIVEN TO LET PEOPLE ROB ME BLIND WHILE THEY ALSO MAKE MONEY OFF MINE .IFEEL THAT XXXX DOLLARS TO BE TAKEN FROM THEM. NOT ME OVER A PERIOD OF TIME THAT IN NO WAY DO THEY REPRESENT ON MY BEHALF THE DEFINITION OF A BANK AS WELL TO A LOT IM SURE OF A LOT OF OTHER CONSUMERS IM SURE AND IN ANY WAY POSSIBLY PRACTICE THEIR MISSION STATEMENT TO ANY DEGREE THAT IS PRINTED
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to US Bank. US Bank attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned US Bank and advised them of the fraudulent application and ensured my existing accounts with US Bank were secure. At that time I also confirmed with US Bank that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at US Bank. XXXX instructed me that since the address was reported to them directly by US Bank, only US Bank could have the fraudulent address removed. I immediately contacted the US Bank 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my US Bank online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called US Bank to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to US Bank. This is extremely unsatisfactory. 

I am currently overseas and having to mail US Bank will take a long time and meanwhile my credit reports will contain, because of US Bank 's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is US Bank making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MD)

This account was opened inXX/XX/XXXX I moved to this address in XX/XX/XXXX I asked to get the accounts verified but ssn and nothing was done XXXX said that account was verify, but were not tell me how the account was verified with what information
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (GA)

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-08
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: DISCOVER BANK (SC)

I called the following Discover Card services and spoke with supervisors XXXX XXXX XXXX XXXX and XXXX ( XXXX  ) about money coming from my bank account for a Discover Card that I had not used in over 20 years : DISCOVER BANK XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX On XX/XX/XXXX at XXXX XXXX I spoke with Discover Card supervisors, XXXX ( XXXX  ) and XXXX ( XXXX  ) about Discover Card charges that was on my free annual credit card report. I am XXXX XXXX XXXX, and I have not charged any purchases on the Discover Card since XXXX. My daughter checked my credit, today, because money was being taken out my bank account, monthly, and I didn't know how to stop it. I was told by XXXX and XXXX that I was being charged for XXXX XXXX ( {$5.00} ) and XXXX XXXX XXXX ( {$2.00} ) on a credit card that I had not made a purchase on in over 20 years. I never requested protections from Discover Card. Discover Card has been charging me {$40.00} per month for {$8.00} protection plans. I paid off $ XXXX to Discover Card in XXXX for a XXXX  charge, and asked them not to charged anything else on this card. Now, Discover Card is stating I owe {$1400.00} for no purchases I made, but for the protections on the credit card, and Discover Card has been charging my account {$40.00} since XXXX. Why would I put protections on a card that I have not used in 20 years? I am old and I am not educated about these new things, but I am on a fixed income and I want my money back. I have never used Wallet Protection or Identity Protection. I do not know how to use these protections. I just want my money back. If my daughter had not check on my credit, Discover Card would have still been charging me $ XXXX  monthly. How can you charge for protections on a credit card from someone that has not purchased anything on the card for 20 years? The card should have been made inactive after the cardholder had not made any purchases in 12-18 months. I feel like Discover Card took advantage of an elderly person that just didn't understand about the charges, and didn't realize that the payments were for protections for the card. I am too old to give Discover Card {$9000.00} for a card that has not been used for purchases in 20 years. XXXX said that I would be refunded XXXX payments : {$240.00}. Discover Card charged me {$40.00} for 240 months. I am XXXX XXXX XXXX, and I can use that money for medical bills and medicines. I do not need a Discover Card and I do not need the services of Wallet and Identity Protections I do not want.
Consumer complaint received 2023-04-08
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I drove to the XXXX XXXX, CA parking lot located near XXXX XXXX XXXX XXXX around XXXX. I left my wallet and phone in my vehicle, then locked my car key in a storage box secured to the top of my vehicle. When I returned to my vehicle approximately 2.5-3 hours later, I found my storage box open where the car keys had been secured. I could not access my vehicle which was locked. I borrowed a phone from a stranger ( XXXX XXXX ) and my first call was to Chase Bank to report that I believed my wallet had been stolen. The Chase representative asked me if I had purchased something from XXXX and XXXX XXXX and I immediately told him no, that my wallet had been stolen, I did not authorize those purchases and that all my 3 Chase cards were stolen as well and possibly being used to make fraudulent purchases. I directed him to immediately cancel all my 3 cards, my Sapphire card, XXXX XXXX, and visa/debit card. 

I soon learned that my cellular phone had also been taken and that 3 of my Chase cards were taken and used in fraudulent purchases. When I was able to get my spare car key, I filed a police report. In the next few I spent several hours on the phone with Chase representatives and explained what had happened and opened claims for the fraud that had occurred on my accounts and I also requested new cards. Immediately all of the charges on my 3 cards were reversed pending the investigation. The two Chase credit card departments found in my favor, however on XX/XX/XXXX Chase reversed the reversals of two charges for my ATM/credit card and denied my claim of fraud ( claim # XXXX ), resulting in two fraudulent charges and they deducted the money straight from my checking account. These two charges were {$4700.00} from XXXX and {$3100.00} from XXXX ( total of {$7900.00} ). 

What I believe happened based on my subsequent conversations with Chase was that the thieves had stolen my phone and received a call from Chase on XX/XX/XXXX while at XXXX and they pretended to be me and authorized the charge. Chase must not have used any kind of verification to make sure it was me. They never followed up to get security footage which would have showed that it was not me. They did no investigation whatsoever. I have contacted chase several times in subsequent months including in XX/XX/XXXX and they told me to fax them additional information and indicated that they would fix the problem ( attached ), however they have strung me along and done nothing.
Consumer complaint received 2023-04-08
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: CITIBANK, N.A. (TX)

Hello, after 4 months of trying to resolve a transaction on my CITI credit card with the merchant I filed a transaction dispute with CITI on XX/XX/XXXX. I provided a timeline of the events, cancellation, and conversations between the merchant and myself. 

On XX/XX/XXXX I received a notification from CITI saying the merchant would not provide a refund and CITI asked for a confirmed cancellation. I called to reopen the case and requested that they review the cancellation / notes provided to the merchant. Note : No one ever reached out to me about the matter and I had to continue to call to get a status within the 60 day timeframe of resolving the initial dispute. I sent the documents requested, but never heard anything back. On XX/XX/XXXX I contacted CITI asking for a status. CITI noted that they were still missing a document ( but no one ever called me on it ). I resent a signed document to XXXX. They also noted they had 180 days to resolve the dispute. 

Each week / month I would call asking for a status and I was told an investigator would be reaching out to me, but never had anyone contact me. 

On XX/XX/XXXX when I was following up again ( with still no one contacting about the transaction I did not authorize ) XXXX from CITI advised me that they were still missing documentation. Which did not make sense because I had been calling for weeks/ months and this was the first I was hearing of this. He also noted the investigator should have reached out to me and that all they need is a cancellation statement and would refund me.. I resubmitted all my documentation again to XXXX. 

On XX/XX/XXXX I received a letter saying that the proper documentation was not provided and my case would be closed. I called and spoke to XXXX  ( supervisor ) and was advised that some one should have contacted me on the case and that they also should have told me about the document issue. XXXX advised that the case would be re-opened and that an investigator would contact me on the facts. 

On XX/XX/XXXX I received a letter saying that the merchant did not want to provide a refund and the case was officially closed. When I called the supervisor said there was nothing they could do if the merchant did not want to return the funds, but I never authorized the transacted amount! 

To sum it up, I was never contacted once on my case outside of the letters, I was never advised on the documents the investigator wanted, and they are allowing merchants to overcharge on amounts not confirmed! 

Based on my review CITI is violating the Record Retention - Section 1026.25 and did not properly handle the billing dispute. They also did not following the process for the Fair Credit Billing Act of 1975 with the merchant error.
Consumer complaint received 2022-08-24
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: Nelnet, Inc. (MN)

In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATION/NELN Account # 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
Consumer complaint received 2023-01-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

The attached letter dated XX/XX/2022 was mailed via USPS to Equifax and delivered on XX/XX/2022 per the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Equifax then proceeded to submit a dispute on XX/XX/2022 that I did not authorize or request. The investigation of this unauthorized dispute was completed on XX/XX/2022. Though previous disputes have been submitted for this account on file another dispute was not my request. My request was for the validation of debt that Equifax holds on to my consumer file to be able to legally furnish this information on my consumer report. Per the initial rep during my 1-hour phone call with Equifax, they do not have any substantial proof of evidence or validation of the debt and acknowledge that it should not be on my account, however, they will not remove it. As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. In light of recent investigations brought upon Equifax, I find that my consumer file is being tampered with. Over the past two years, I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they are intentionally and willfully neglectful in remedying my affairs. 15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 i ( A.5 ) says that after a reinvestigation all unverified information must promptly be removed. Equifax is refusing to remove XXXX XXXX XXXX XXXX - XXXX from my consumer report though they acknowledge that they do not have substantial evidence to furnish the account. I am demanding that this account be removed immediately.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX  and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX  and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help me