davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/20, I applied for a XXXX XXXX XXXX credit card through Chase Bank while booking a flight to XXXX. The offer was for a {$200.00} statement credit after the first purchase with the card, as well as XXXX points after spending {$500.00} with the card within the first three months. I was not approved immediately, so I did not find out until two days later that my application had been approved. I received my card later that month and began using it. My first purchase was on XX/XX/XXXX, ( a XXXX flight to XXXX ), which should have qualified me for the {$200.00} statement credit. The {$500.00} threshold was reached in early XXXX. 

After the credits did not appear automatically after the required time had elapsed, I contacted Chase about the rewards. They then informed me that I had not applied for the offer I thought I had, but instead a different one. Because the other offer had different conditions, I had not met those conditions, and thus I was not eligible for the rewards. I explained what happened, sent in screenshots of the offer, but they still refused to give me the rewards of the original offer.

The original offer I applied for is still active on their website, and the terms can be found here ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX ). Or you can go through the process of selecting a flight at XXXX. The offer, and the link to apply for it, are below the " Trip & Price Details ''
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (PA)

I have an online banking account with Current. 
On XX/XX/XXXX @ XXXX am a transaction came across my notifications for {$590.00} from a company XXXX XXXX XXXX. I had never heard of this company nor did I authorize it make a purchase from this company. I immediately contacted Current and they said the charge was pending and when it went through I could file a dispute. And so I did and their decision stated back to me was that no error occured. They said I could request all information in how they made that decision and so I did several times and I have never received any correspondence. I emailed and chatted and got no where. There is no one to call about a matter like this. But I did not make a purchase from XXXX XXXX XXXX. I did not authorize any purchase.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Received many phone calls about a debt that was owed by XXXX XXXX. XXXX XXXX happens to be the name of my husband 's ex-wife who is deceased. She has been deceased for more than ten years. Today received a message to call Revenue Group and spoke with a XXXX XXXX. Explained this to him. Specifically asked him to stop calling my home. The phone number received most recent call came from : XXXX at XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (FL)

Receive 2 to 3 calls per day from XXXX. They mailed me a notice about unpaid XXXX fees that are not mine. I sent them a not my debt letter via usps physical signature required and also requested they do not call any more. They still attempt to call 2 or 3 x a day.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

My banking profile was compromised and used against me. My bank disputed the transactions stating it could not have been done since I had my physical card on me. Monies I had paid out for rent, car payments and other important things have been disputed therefore the bank reversed the payments but they went to whoever is doing the fraud leaving me in dire straits. Fake checks were deposited into my account and then cashed out. I was not notified of this fraud and then my account was locked and still is. My banks claim department has been very rude towards me. They are not communicating with me like they should and Ive been a customer with them Chase Bank for years. People are getting around the system and they dont feel it can be done.
Consumer complaint received 2021-08-09
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. (FL)

I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.
Consumer complaint received 2020-07-08
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 disputed this account with XXXX XXXX DBA XXXX XXXX DBA XXXX XXXX  with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX XXXX froze my account which at the time didn't have a direst reason and was federal money which was my unemployment money and were not suppose to during covid. Another problem with different bank was Huntington bank. For my unemployment also. I set up my bank account for only money to come out of my account ONLY if I withdrew it in person at the bank. They allowed electronic transfer from my account from new York. Which put my account in negative. They fully didn't reimburse me. They charged me for over draft which I didn't have. They gave me a runaround about getting money that was transformed from unemployment to XXXX XXXX XXXX after they froze my account. Then was suppose to give me that money that was withdrawn from my account which was XXXX and something. I only got back XXXX then sent it back to unemployment instead of me. I have photos of electronic check and money going in and out if my account during that time
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I opened a previous report stating that I had been denied an extension of my own credit from Chase bank. I sent Chase a handwritten letter asking them to please explain to me how a consumer is being denied. Chase bank responded back with a generic computer generated response. Their was also a supervisor by the name of XXXX who stated on a recorded line that he was aware of the laws I provided them, and that he was ok with Chase bank breaking them. He made it very clear that he didnt care about what the consumer laws states.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

The company XXXX has charged my Wells Fargo account for a significant amount for which I did not authorize. I spoke with them and they said nobody was on my account and it was not a joint account. Upon speaking with Wells Fargo, they said it was a joint account and the other person was making the transactions. This is fraudulence. Speaking with Wells Fargo has been very difficult, they sometimes can not locate the claim. I would like professional help with this case.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I agreed to try a 15 day FREE trial of XXXX for my business. That trial started on XX/XX/23. After one day it clearly wasnt what they promised. I asked via email to get a return label. It took them over a week to reply. On XX/XX/23 I received a return label and sent their hardware back. 

I started receiving bills for XXXX XXXX I called to dispute the bill. XXXX XXXX  said to prove I was the owner of my account id have to call them from a XXXX store. 

I went to their store at XXXX XXXX XXXX. I spent over an hour on the phone after which I was assured all the charges were dropped. 

The bills kept coming. 

Then I got a letter from debt collector XXXX.i contested the bill. XXXX said theyd look into it. The got back to me with a bill. I dont owe anything. Please help resolve this.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. 

I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. 

I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. 

If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. 

I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from my credit report.
Consumer complaint received 2023-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I have a loan from XXXX XXXX XXXX, now Community Bank in NY. It's for a used atv. I want to pay it off. XXXX is the monthly payment. The bank is telling me the payoff is the total of the monthly payments. I'm being forced to pay interest on a loan. I am not able to just pay a principal amount. This is the second time I'm filing a complaint. The first time they responded and said that was right.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are fraudulent inquiries harming my credit report and my life. I have called several times to dispute this information and Transunion has continued to errantly inform me to file an FTC report ; however, the FTC does not allow reports to be filed for credit inquiries not linked to a fraudulent account! 

The fraudulent inquiries on my report are as follows : XXXX XXXX from XX/XX/2021 XXXX XXXXl from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX  XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX  from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 Members XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

In XXXX  I started receiving collection letter from citi bank, for a account that it was opened with my identity ( stolen identity ) {$10000.00}, the problem was reported and citi bank has conducted a investigation, how ever they have determined that I'm responsible for this account. since then I have been reporting same issue and citi bank still blaming me about this account, sending collection letter, ruining my credit report and life without any possibility to have a good report to keep running y business. the damage has been huge and has impacted tremendously my life.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 65 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 65 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 caused me. My information was also impacted by the equifax data breach and may have been compromised.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit, Inc (TX)

I purchase a car in XXXX. I provided documents that I never receive my contract from the dealership until after the first payment was due, I reach out to the finance company reach is Audi to confirm is they my new company and I was told on several time I do not have an account with them. When I finally made contact with the finance company. I had the Advocate from Audi financial on the phone and we both realize that Audi financial had my address incorrectly in their system. On XX/XX/XXXX of 2022. I was told that says my address was wrong with the system they would not charge me any lea fees or report delinquents to my credit bureau and get the information updated. Ive been trying to rectify the situation for the last several months I received a call from manager that told me that they were not correct my credit reporting system the dealership were not meant to the fault. Even though the finance company admit that they had the wrong address in the system did not make any communication to me for the last several months prior to my first payment due date. This is very unprofessional I really do not want to do business with them my credit score has dropped very bad according to my credit reporting it states that I did not make a payment in XXXX I was never late in XXXX I made a payment on XX/XX/XXXX and I reported that to the credit reporting agent and provided proof that I made a payment. I have made several attempts with the credit reporting XXXX XXXX and XXXX XXXX with the proof of payment and they still have not updated my credit reporting has never been late. Im following a formal complaint against XXXX XXXX XXXX Audi financial and XXXX and XXXX for not doing do diligence when it comes to my financial well-being on my credit reporting.
Consumer complaint received 2021-04-07
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: Bread Financial Holdings, Inc. (MI)

I did not open this credit card called ideal I contacted the company and they sent me a letter looked in to it and was a fraud I have the letter they sent to me saying I was not responsible for this card and they would send the 3 credit card companys saying it was fraud and it was never taken off my credit report 2 years Ive been waiting no response yet they will not take it off
Consumer complaint received 2022-07-19
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}
Consumer complaint received 2022-07-19
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (ME)

I requested my newly changed legal name to be updated with the company " Binance.US '' in XX/XX/2021 in order to be able to file my taxes but I am not getting any support from the company at all. They didn't even need additional information from me other than to confirm whether I wanted to update my name or not. I still haven't heard back from them and it's already XXXX. I still can't file my taxes because of their inability to update my name.
Consumer complaint received 2020-06-19
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: SYNCHRONY FINANCIAL (CA)

I am making a complaint against XXXX XXXX XXXX, I never received the card in the mail and there are unauthorized fraud transactions on the account. I also provided an affidavit to synchrony bank regardint it, but they are making me laible to pay for all those fraud transactions. 

Where is their 0 % Liability promise? Why they are making me liable to pay for the transactions I never did? 

I never received the card in the mail and they got to understand this. 

I will have to go to court to solve this problem.