davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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: BARCLAYS BANK DELAWARE (NY)

I used my Barclays Jet Blue Credit Card to pay for a flight from XXXX ( XXXX ) to XXXX XXXX ( XXXX  ) on for a flight on XX/XX/XXXX at XXXX XXXX. I purchased XXXX tickets for my husband and two children on XX/XX/XXXX in the amount of {$680.00} times XXXX. On the date of travel our airplane was never even at the airport. We were delayed XXXX  times and did not take off until around XXXX XXXX. We were not offered any food and kept being told different stories. Due to the significant delay, we had to cancel dinner plans as well as our baseball game. We lost additional money. According to the XXXX website, significant delays can signal a refund particularly if they do not rebook your flight which they told me they couldn't do. So I disputed the charge with the credit company Barclays. Barclays credit card customer service told me in three separate instances that Jet Blue only had XXXX  days to respond to my complaint. If not it would be ruled in my favor as they have not responded. So I received XXXX provisional credits on my credit card. Jet Blue did not respond to them for about XXXX weeks and without notice I was once again charged for those XXXX tickets. Barclays has now said that due to their merchant agreement, services were rendered and merchant is due payment. However, I did not get the services that I paid for and feel that if I had used another credit card the company would look out on my behalf. I can not also believe that I was told by three separate employees that Jet Blue only had XXXX days to respond. I did contact Jet Blue before Barclays but they were only giving everyone a {$150.00} hour despite our flight taking off XXXX hours later.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (NY)

XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX Dear Sir/Madame : On XX/XX/XXXX, I received a letter from Chase Bank XXXX Deposit Mail Services XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX phone : XXXX, advising me that they are closing both my checking and savings accounts, because of unexpected activity, quoting : After careful consideration, we decided to close your account because of unexpected activity on these or another Chase Account. I stopped by one of their branches at XXXX XXXXXXXX XXXX XXXX, NY XXXX to discuss the matter. The representative with whom I met thoroughly checked my accounts yet could not find any red flagged activities. The representative stated that the staff in the Chase Banking branches do not handle those types of issues and suggested that I check with the Chase Global Security Investigation. 

I have been a Chase Bank customer for several years, first with my daughter, then later with my son, in XXXX. I have a portion of my salary directly deposited into my checking, and I also have a savings account as well. 

I would like for Chase to explain what is Unexpected activity? Chase Bank also mailed a similar letter to my daughter who is presently the sole owner of an account that we used to share for the same reason. 

For the records, my XXXX  children and I are both professional individuals, and law-abiding citizens. 

I thank you for your time and assistance in this matter and look forward to hearing from you. I will forward copy of the Chase Bank letter I received upon request. 
Best Regards,
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (AZ)

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that American Express is attempting to collect a debt from I the consumer makes American Express guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Consumer complaint received 2020-10-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (WI)

I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.
Consumer complaint received 2020-10-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

PLEASE PROVIDE ME WITH PROOF THAT I WAS OCCUPYING THE APARTMENT AT THE XXXX XXXX  IN XXXX OF XXXX. JUST SHOW ME PROOF PLEASE!!! I will prove otherwise. I disputed a collection effort by the XXXX XXXX. First the XXXX XXXX  accused me of breaking the lease. That is how they justified all of the charges that were tacked on to the attempt to collect false charges. I provided a long paper trial that PROVED the XXXX Apartments version couldn't have been true. We submitted a " notice to vacate '' form on XX/XX/XXXX and I have proof of this. After reviewing my proof, the XXXX XXXX   CHANGED THEIR STORY!!! Now they are saying that they acknowledge our " notice to vacate '' in XXXX of XXXX. But the XXXX XXXX  is now saying that we stayed in the month of XXXX of XXXX as well- WHERE IS THE PROOF??? I am demanding proof that I stayed there in XXXX of XXXX. My husband underwent total left XXXX XXXX On XX/XX/XXXX. This was one of the determining factors as to why we moved out. We were completely vacated by XX/XX/XXXX. I got married on XX/XX/XXXX, went to Hawaii on our honeymoon, returned on the XXXX of XXXX, WE HAD ALREADY MOVED IN WITH MY PARENTS IN XXXX WA!!!! We never returned to the apartment after XX/XX/XXXX. WHERE IS THE PROOF THAT WE WERE OCCUPYING THE APARTMENT IN THE MONTH OF XX/XX/XXXX??????? The XXXX XXXX has XXXX proof that I was there during the month of XXXX. My request is this- PROVIDE PROOF THAT I WAS IN THE APARTMENT IN XXXX OF XXXX??? Utility usage report, video surveillance ANYTHING AT ALL?????? Because I can prove I was living somewhere else during that time. I have proof. I was living at my parents home in XXXX WA with my husband while he recovered from total XXXX XXXX on XXXX. I am asking for proof of the fact that we were there during the month of XX/XX/XXXX. I will show otherwise. Lies can not be tolerated and I will not stop until this is taken off of my credit!!!!!
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

XXXX Account was frozen after reporting unathorized transactions XXXX, case for transactions was awarded to me, was required to submit ID documents to unfreeze my account, later in the day my account was unfrozen. 
Less than 20 minutes after unfreezing my account, I got another email saying it was now frozen again, with no reasoning or explanation just to contact support. I contacted support and they told me I must wait 7-15 business days for an email followup and that there is nothing they can do or tell me.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (UT)

I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on my credit report
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (MD)

I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name.
Consumer complaint received 2022-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (WI)

The issue I have is when I contact the office with a complaint, my payment doubles. It went from {$300.00} to {$600.00} to {$1200.00}. This caused me financial hardship. I had to pay overdrafts and it wiped out my savings. I had to pay other bills late which caused late payment penalties. I had my checks returned from my bank for other debts and this resulted in a disruption in my payment history with other debtors. I have tried to call Mohela who has my loans on many occasions. I am on hold for a long time and then I am disconnected once they answer. I tried to call them most recently on XX/XX/XXXX.
Consumer complaint received 2021-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (SC)

I had an account with SELF FINANCIAL INC / XXXX that was Opened XXXX XXXX, XXXX that I had made 94 % of payments for this account on time. Upon rendering the account paid in full, it seems as it caused the account to reflect an Worst Payment Status 30-59 Days Late during the process of closing my account as paid in full. CLOSED XX/XX/XXXX OPENED XX/XX/XXXX ... .it shows Payment Due Date XX/XX/XXXX but there was an active Paid in full in progress to pay off the balance. XX/XX/XXXX Payment {$89.00} posted. If that was the case, when I inquired prior to the PIF, I was not made aware that a monthly payment should have been rendered prior to ensure there was a a late pymt rendered on my acct. I was rendered incorrect information by self lender agents.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at XXXX time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out in XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (NJ)

I opened an account with Axos bank under a promotion XXXX in which I would receive {$300.00} if I deposited {$7000.00}. I abided by all the terms of the promotion immediately ( i.e. in XXXX ) and was waiting for the payout, when there were reports of people receiving the bonus at the end of last month. This was early, to be sure, but it was easy to tell from the reports coming out, that Axos had only paid out bonuses for the people who made deposits in XXXX, excluding people who made earlier deposits in XXXX and XXXX, even though there was nothing about this in the promotion 's terms. 

I chatted with customer service twice about this already ( XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX ) and it's clear that they are not doing anything to rectify this issue. I also sent several secure messages that went unanswered. 

Administering the bonus in this way even though they technically have more time to pay it out is prejudicial to customers who met the requirements early.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (GA)

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; EQUIFAX MORTGAGE SER inquired on XX/XX/XXXX ; XXXX  XXXX  inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I tried to talk to a representative of the collection agency and they said that although I paid my collection amount through them, they refused to take the account off my credit report. When I pleaded with her to give me a valid reason for the refusal, she stated that they essentially just wanted to keep it on my record. The debt was for medical lab work for {$140.00}, which I paid in full. Is that right, can they just refuse to take my debt off my report? This happened about a month after I paid the collection agency, Eastern Account Systems, which was on XX/XX/2021.
Consumer complaint received 2021-03-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I wrote to you requesting an investigation into some things my credit report that I believed were suspicious. I have yet to obtain a response from you or any indication that an investigation has started. My reasons for disputing the details were stated in my letter. I will re-enclosed it again and I'd appreciate it if you could respond within a fair amount of time in compliance to FCRA section 606 ( b ) that you must comply within 30 days upon receiving my letter.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Money was stolen from my account due to identity theft and I am not being reimbursed. A new card was issued under my name in which it was picked up at a XXXX  shipping facility. They then hijacked my esim for my phone which caused me to have to change my phone number not to mention i was unable to make calls with my phone no receive them. The theives proceeded to make outlandish transactions using the new debit card and chase has denied my claims. The person also accepted the charges they made by confirming purchases with my cellphone number and managed to make transfers out of my savings account leaving me with only XXXX cents in my checking and nothing in my savings. I have been a chase consumer for over a decade and this has never happened to me before. My spending history speaks for itself, for I have never EVER even allowed over XXXX to leave my account in one day. I cant believe Chase was so negligent and allowed that much money to come out of my account in less then 2 hours. The spending limit is only {$3000.00} per day so they have a lot of explaining to do. I work too hard to save up that money and it amazes me how chase could let a crook swipe it away in a heartbeat.
Consumer complaint received 2020-10-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (WI)

I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.
Consumer complaint received 2023-06-05
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: Upgrade, Inc. (SC)

Under what authority, statute, or law does UPGRADE INC. have to share and or furnish my nonpublic, private, personal, identifying financial information? UPGRADE INC. is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. UPGRADE INC. is hereby notified of the following : ANY and ALL consent assumed or obtained by UPGRADE INC. from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by UPGRADE INC .