davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-05-15
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: JPMORGAN CHASE & CO. (NY)

I was targeted by XXXX XXXX  XXXX also known as XXXX XXXX XXXX XXXX while walking in the XXXX XXXX XXXX into purchasing products that I did not want. I used my credit card. I disputed and protested the charges with the credit card company. The charges were for {$3600.00} and {$180.00}. I origionally disputed these chares in XX/XX/XXXX. 
Since then we have been going back and forth. In XXXX, XX/XX/XXXX Chase informed me that they considered the disputed charges valid. In their letter they stated that they contacted the merchant and that the merchant provided the cancellation policy. This statement is a lie. The merchant never discussed the return policy ; furthermore the Department of State division of consumer protection states that a store, merchant, is legally required to post their refund policy. The refund policy was never posted nor was it told to me. 
In dealing with Chase on this matter ; they seem to be taking the merchants word ; not fully investigating my charges and seems to side with the merchant instead of protecting me their card holder.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc. (OH)

Team Recovery in XXXXXXXX XXXX has stated that they purchased debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after a MAJOR SNAFU by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We confirmed that we made enough to qualify for Medicaid. Instead, the third party staff at XXXX lost the paperwork/never turned it in and then tried to bill us {$36000.00}. 
After months of working with XXXX XXXX XXXX confirming a huge mistake was made, they said they could turn the bill into {$11000.00}. We said we did not accept this as it was not legal and we qualified for 0 % payment, but they withheld our paperwork from Medicaid.

Team Recovery contacted myself and my husband at our previous phone numbers CONSTANTLY. Each time I told them to send an itemized bill and proof of debt validation letter. They have never sent either.
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2020-05-15
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. (SC)

Date XX/XX/2020 On both my husbands account and my account the company has a XXXX balance and a XXXX amount due but both accounts show monthly payments and high balances in the past 2 years. We paid off both accounts 2-3 years ago. Spoke with the account company in question and they show as paid off. The mistake is being made by TransUnion as showing we are making monthly payments for the last 20 months on XXXX balances. I just want it taken off our accounts. After waiting over 1 1/2 to speak with someone when I asked to speak with a manager I was sent back into waiting for another assistant. Waited over another hour and hung up. These companies don't care about my credit or my husbands as I have tried online to get through to also XXXX and XXXX  and neither one can you do your info online and no live person to help when you call.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This complaint is pertaining to a large " Travel Rewards '' redemention of approximately ( XXXX ) points that my husband XXXX XXXX XXXX and myself XXXX XXXX XXXX requested on XX/XX/XXXX from a phone call made to a " XXXX. '' XXXX, stated after giving her the appropriate banking account number, which XXXX has on file account ending in XXXX. She advised us that the payment of {$2700.00} would be deposited in our account within XXXX business days by XX/XX/XXXX. She told us if the funds don't hit the account to call back. On XX/XX/XXXX we called again and spoke to " XXXX '' who stated there was a problem with a " Fraud Alert '' on the account and that's why the funds had not been transfered. I told XXXX this was the first we heard of this problem and " NO ONE '' from the Fraud Department reached out to us. He reassured us that he will take care of the problem and funds would be deposited in the account ending in # XXXX within the next 3-4 days and we did confirm the account name and number with XXXX as XXXX. 

Calling back again today XX/XX/XXXX after speaking with both " XXXX XXXX '' and " XXXX XXXX '' both wanted me to explain the reason for my call again!! At this point totally losing my cool!! NO ONE with Chase knows whats going on with our complaint nor do they love to continue to " apologize! '' We just want the problem to be handled and rectified and want our Travel Rewards Redeemed to us as we have been waiting weeks for these funds!! 

How frustrating to say the least the handle their customers this way. We have had this credit card with Chase for 6 years... they have no common courtesy to call us nor send a letter explaining the delay. They are holding our Rewards Points hostage and have NO plans to send us our money within there guidelines of 3-4 days of redemention!!!!!
Consumer complaint received 2022-08-14
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2020-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity National Financial, Inc (IL)

The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19
Consumer complaint received 2024-05-12
Product: Credit 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: DISCOVER BANK (CA)

I purchased an automated kitty litter, which was faulty and immediately proceeded to return this item. XXXX gave me a choice, refund my original credit card purchase and credit my Discover card, or they offered to provide me an XXXX e-gift card, which would be a faster, almost immediate refund to my XXXX account. I chose the latter. 
I returned the item on XX/XX/XXXX or XXXX, and almost XXXX weeks had gone by and I had received no e-gift card from XXXX. As such, I advised XXXX I was going to dispute the charge with Discover and Discover provided a temporary credit pending their " investigation. '' Discover performed an " investigation '' which was reduced to asking XXXX what they had done about my refund. XXXX told Discover that they had provided an e-gift card, but they FAILED to tell Discover that they took the e-gift card back and provided me a XXXX ( XXXX ) REFUND, because XXXX was told Discover had provided a refund. So, BOTH DISCOVER AND XXXX LEFT ME WITHOUT A REFUND. 

I provided evidence to Discover that XXXX did not provide an XXXX card, or rather, they took back their XXXX certificate once they learned Discover had provided a refund. Now, as stated, neither Discover nor XXXX have provided my credit for {$380.00}. I uploaded evidence that XXXX took the e-gift card balance back and to this date, NEITHER DISCOVER NOR XXXX HAVE CREDITED MY ACCOUNT. 

I demand that Discover credit my account accordingly as I have returned the item for {$380.00} for XXXX month ago now, and to this day, they have FAILED to credit my Discover account, and neither has XXXX provided an e-gift card for {$380.00} for the returned item. 

This is clear evidence of a multibillion-dollar company, or XXXX, which do NOT listen to their customer, fail to perform a proper investigation, simply take the word of a behemoth, multibillion dollar company against that of their customer, and leave the customer against a rock and a hard place, with NO refund to date, for an item returned XXXX month ago. 

I WANT MY {$380.00}!
Consumer complaint received 2022-08-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX Account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

Due to various reasons USAA closed my accounts. At present there is XXXX in my closed account. 
I have sent several request for the release of my funds which is now in its XXXX day. 
Unfortunately not having access to these monies gas resulted in several bills not be able to be paid. For instance mortgage payment, auto insurance ( which ha now been closed ) and utilities soon to be a problem to mention a few. 
Can you do something to speed this process up?
Consumer complaint received 2024-05-02
Product: Credit 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: CITIBANK, N.A. (NY)

Date of purchase on Macy 's website : XXXX, XXXX 2024 Amount of dispute : {$1000.00} I purchase skin care from Macy 's website using Macy 's benefit card ( only use on Macy 's ). I didn't receive my skin care, and I called Macy 's request for resend my stuff, but they rejected my request. So I called Macy 's card tried to dispute the charge. After 1 billing cycle they closed my dispute.
Consumer complaint received 2020-05-15
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

For one year I literally jumped through hoops for my homeowners support home modification application. Bank statements, certified letters, pay stubs resubmitted several times. After following all their guidelines I was approved. I had a 3 month trial period XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  I met all the requirements. Paid through the trail as contracted. Citi mortgage then sent a mobile notary for me to sign the final mortgage. I am still intrail at these crazy amounts. Theyre charging me {$140000.00} for a {$70000.00} loan. I felt as if they were taking advantage of me for I never heard anything again but was instructed to continue the trail payments. I have since stopped I fear that I am being scammed. The entire process has been one difficult thing after another with Citi never holding up their end. Why wasnt I given my mortgage upon completion of my trail payments. Please help me
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2024, I responded to a mailed ad for a USAA XXXX XXXX. I was approved for a {$12000.00} limit. However, once I started getting mailings showing they based my XXXX of a fraudulent XXXX XXXX, I immediately reached out to both USAA and XXXX ( USAA claimed XXXX was the source of the XXXX XXXX XXXX ). When I asked XXXX why they reported a XXXX score when their website shows a XXXX, XXXX said they have no idea where USAA got that score from. When I contacted USAA with this information, they asked me to submit a credit dispute form. The investigation resulted in USAA saying they were under no obligation to dispute credit scores. The card was subsequently cancelled and this complaint submitted.
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account : XXXX XXXXXXXXXXXX  Account : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (OH)

I have a prepaid Citibank card and a merchant issued a refund of XXXX to it because it was one of the cards I had on file with them. This was issued in XXXX of 2017. I have contacted Citibank numerous times and sent them all documentation they requested. I have documentation from the merchant showing this transaction and Citibank accepting the credit of XXXX. The merchant had 2 cards on file for me as I have an ongoing marketing account with the company, the other bank card on file had expired and it was the one charged for the original purchase however they automatically remove cards with expiration dates so they issued the refund to the Citibank card as they assumed I would receive it, WELL I never did and Citibank has kept that money for almost a year and has not added it to my prepaid card or sent the money back to the merchant so that they could return the money to me. All Citibank has done is give me the runaround and are holding the money that belongs to me.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (MI)

From the time I stepped in this bank .This bank was operating in bad faith They contracted with a ALL CAPS NAME and basically used that name against me and tried to make me liable for this account.I opened up my account for me the NATURAL LIVING PERSON so I could benefit from it.And from day one I was lied toThis company in fact privatized my information and used it against myself and when I reported this bank they closed the account and ran off with my PRIVATE INFORMATIONNow they have fraudulent information on my credit report stating I owe them STANDY BY CASH THAT I IN FACT ASKED THEM to verify and they have not yet verified it.I asked to validate any debt because and the debt dont matter to me because Im not a CITIZEN OF THE UNITED STATES.So if they have a debt take it up with the federal corporation not me8 usc 1408 and they yet to do that .I want all 3 Security agreements/applications back since they didnt operate in good faith.!!!! I want the application back from that {$3000.00} loan stop I AM NOT THIS ALL CAPS NAME
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened two previous cases with CFPB and they have both been closed with only partial resolution. TD Bank is not taking this process serious and has damaged my credit score over XXXX points and cost me a loan approval in the process. 


XXXX XX/XX/XXXX Closed without reading or even addressing any issues XXXX XX/XX/XXXX Closed with partial correction of issue but inaccurate information on reply In reply to the last case ( XXXX ) that was closed : The timeline on XX/XX/XXXX and information does not make sense and is not accurate. 

XX/XX/XXXX I called to pay off owed amount for Plan 1, they said they were unable to do that directly and to do it online, they gave me the amount of {$450.00}. I went online and setup the payment but it wasnt allowing me to pick just Plan 1. I called back and they said it wouldnt just be to Plan1 that wasnt an option and some would apply to Plan 2 so I needed to explain that in a ticket. I canceled the payment of {$450.00} and put in a Ticket # XXXX to pay that amount of for Plan 1. That ticket was closed as complete by TD Bank on XX/XX/XXXX. 

I have visual proof of TD Bank Closing Ticket # XXXX as complete and it was more than any minimum payment requirement. So there should be NO late charges nor should my credit score ever have been reported as late. 

So the timeline put in the dispute doesnt make sense and that amount would have kept all late fees from being charged. 

Why would they close my case ( the only thing I am able to prove because of a screenshot ) on XX/XX/XXXX if it was resolved on XX/XX/XXXX like they are claiming. This is clearly AFTER the phone calls and I was following directions from the phone calls.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

XXXX usd was suppose to be deposited into my account from coinbase on the XXXX i still have not got it. And only get automated messages replied to me no help what so ever. It says the transaction is completed but no money shows in my bank
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NV)

I admittedly accrued a large amount of credit card debt while I was in XXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some medical issues that resulted in medical debt XXXX, I was struggling to get on top of things and partnered with a XXXX XXXXt law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled XXXX debt accounts at that time. XXXX of the accounts were resolved within a year. Goldman Sachs ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through XXXX some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to XXXX XXXX XXXX collections. My XXXX XXXX took a huge dive at that time. My credit report indicates this account was XXXX XXXX XXXX charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to XXXX XXXX '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Consumer complaint received 2024-05-01
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (UT)

CASHNET USA has been informed on multiple occasions to cease and desist and only send correspondence by mail. The cease and desist order has now been violated 6 times. Penalty for violation of cease and desist orders. ( XXXX ) Any person who violates a cease and desist order issued pursuant to XXXX is subject to a civil penalty not to exceed {$1000.00}. Each day of violation constitutes a separate violation. They now owe a sum over {$6000.00} in cease and desist order violations which needs to be paid. All correspondence is supposed to be handled by mail only. I have provided screenshots of the most recent cease and desist violation.