davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (NJ)

I paid for a business mailer to be sent by XXXX services in early XXXX. This company claimed to have sent the mailer, but it was never delivered. There was no evidence that this order was ever actually fulfilled, and there are dozens of complaints saying this company is a scam online but operating under a different name. 

I filed a complaint with Chase that this was a fraudulent charge on XX/XX/XXXX. They rejected the complaint and said I needed to provide more information. 

I filed a second dispute on XX/XX/XXXX providing additional information that XXXX was fraudulently charging me for services that were never delivered. I also included evidence that the materials provided by XXXX were cropped and altered to obfuscate the fact that the order was never delivered. 

This second claim was also rejected without feedback by Chase. I then tried to contact the Chase dispute department on XX/XX/XXXX multiple times but was hung up on when I was told I'd be transferred to a supervisor. 

I believe that Chase is knowingly allowing XXXX to bill customers for undelivered or non-existent services, and when I pointed this out to them they said there was nothing they could do. I have been a loyal Chase customer for many years, have done tens of thousands of dollars in transactions with them, never missed a payment, and I have been very surprised at their lack of care.
Consumer complaint received 2022-06-03
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 

I have reached out several times to the credit bureau regarding the following account with professional debt mediation, because they provided me with a bill including someone else 's name but have this debt on my credit report.
Consumer complaint received 2022-10-28
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: Conn's, Inc. (NC)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXX XXXX Account # ending XXXX XXXX Account # XXXX Conns Account # XXXX
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (GA)

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

On XX/XX/22 I called to Home Depot to see what was going on with my account I was advised that on XX/XX/22 my account had a {$100.00} payment that was rejected due to that my bank account was frozen. I was unclear due to that the payment was made by my checking account and not my debit account. I was advised to go to the store and make a payment and it would post immediately. On XX/XX/22 I made the payment and it was not processed. I called back to Home Depot at that point I received a very rude rep and was told that my payment was being held until XX/XX/22 due to that I keep writing bad checks. I did not write a bad check my account was compromised and the bank closed it to protect me. I was not aware that it would have an issue with things already in place. I felt discriminated against and Home Depot treated me like a criminal. I have been calling over and over and I was then told that they would call the bank to make sure that my payments were legit due to that if they released the fund I would go spend it and defraud the company. I was appalled. I was basically being treated like a criminal. I have been trying to resolve with Home Depot and was told that my account was in the presidential dept handled by XXXX who states that she was in the CEO office of Citibank and that she just got my case Monday XX/XX/22 and she needed 15 days to assist and that all of my payments had been processed but per XXXX stated that I still had to wait 48 hrs and that she was not going to release it because it would be released in 48 hrs anyway. I am in process of remodeling my home and I am just beyond disappointment as to the racial unfair treatment that has been received. Home Depot Citibank is XXXX and treats people unfair by the name of the customer
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

I went to XXXX XXXX jail on XX/XX/XXXX I got released on XX/XX/XXXX. On XX/XX/XXXX I call and order me a new card .I ask them for all my transactions from XX/XX/XXXX till XXXX till XX/XX/XXXX. There's a bunch of fraud activities on the card so they open up a fraud claim and send me all my statements and told me just put anything from XXXX of XXXX till XX/XX/XXXX is fraudulent activity. I get the paperwork fill it out and fax it back to them with them stating you will get provisional credit. I don't hear nothing from them or no letter stating what was going on 3 weeks had gone by XXXX called the XXXX number and the lady tolldme they closed out my case I asked her why she said she don't know it just states closed. I told her they don't notify me in any way for them to close this out. Then she stated they deemeded it not fraud I said how is it not fraud I'm glad I can go to the casino and gas station and XXXX XXXX from jail.i never got my provisional credit so now I'm making complaints on them.i need help and don't know what to do .my house was broken into and all my information was taken and used
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Consumer complaint received 2022-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

I have conventional mortgage that Rocket Mortgage has purchased and begun servicing from XXXX XXXX  XXXX. Rocket Mortgage promoted bi-monthly payments as a way of paying down the mortgage quicker. I therefore enrolled. 

Upon reviewing my first couple of statements, I noticed that Rocket Mortgage was not apply my payments as soon as they received them, rather they would hold them in an " unapplied '' status until the second payment of the month arrived, then applied both. During the time that my first payment was held in unapplied status, I continued to accrue interest on the loan and was not credited for any interest on my partial payment help in suspense. 

I have since unenrolled in this program as it is deceptive and it of no benefit to me but a benefit to the servicer since they are holding the monies interest free. I have now replaced the payments with a once a month autopay of the full payment amount. However, Rocket Mortgage still has a partial payment in " unapplied '' status that is leftover from the bi-weekly payment enrollment. XXXX full months have passed and Rocket Mortgage has received and applied XXXX full payments from me. However, they still have not swept and applied this partial " unapplied '' payment they have held in suspense since XX/XX/XXXX ( almost 60 days ) If the servicer is not required by law or contract to apply payments more frequently than once per month, they should certainly at least apply ALL unposted monies on the account at the same time they are apply the new full payments. 

I find this servicers tactics deceptive, dishonest and probably in violation of consumer credit regulations.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: DISCOVER BANK (WA)

I have a long-time joint Discover on-line savings account with my husband in which he is the primary and I am the secondary owner. In two separate phone conversations with Discover, my husband asked if I was able to receive a bonus by opening a new account in my name. He was told yes, I could open an account because I am the secondary owner on our joint account. I am interested in opening a savings account as primary owner using {$150.00} bonus code XXXX. In preparation for opening up my own account and to transact on our joint account I registered for an on-line account, in which our joint account is listed. When I looked at the terms of the bonus, the text ( attached ) specifically states " Eligibility is based on primary owner ''. As two Discover phone representatives indicated, I should be eligible for the bonus because I am the primary owner on the new account and secondary owner on the Joint Account. During the on-line process ( attached ), my eligibility was deemed ineligible because of my joint account. When I called Discover, the representative indicated that I am listed as primary on the Joint account in MY on-line account and therefore are ineligible.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

I am not responsible for these accounts. I disputed them and they are offering settlements for activity I did not do or apply for the accounts. My identity has been stolen and these accounts have been opened unknowingly
Consumer complaint received 2022-03-03
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. (CO)

I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the XXXX account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my XXXXr account and remove the comments asap. the XXXX account number should be ending XXXX.
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I stayed in an XXXX. The description was nothing like reality. XXXX said I would be reimbursed for cleaning fee but I never got that credit.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (FL)

I noticed this on my credit and this was paid off through another company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I attached to my previous complaint. Even if I still owed XXXX it would have been two payments under {$100.00} each not the {$310.00} they are posting on my credit report. 
However the below letter shows that this debt was already paid XXXX years ago, for the {$200.00} actually owed, and XXXX is illegally damaging my credit over a debt that was already paid, and they are attempted to charge over {$100.00} more than the debt was. 
IF this company attempts to say XXXX XXXX XXXX I also included a screenshot that took me two seconds to XXXX " XXXX acquires XXXX '' so they bought out XXXX which is why the debt was paid to XXXX.
Consumer complaint received 2022-10-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NY)

On Friday, XX/XX/2019 I made my car payment online via KeyBank bill pay. I noticed over the weekend that I had 3 security alert emails, stating an 'online banking account transfer was initiated ' from KeyBank and to call if I had not requested the transfer. I was afraid that they would try to run this payment 3 times so, on Sunday, XX/XX/XXXX I called Key to ask why I had received these alerts. I was informed that there was a glitch in the system and I received the emails in error. I asked if this meant that my payment was being initiated 3 different times and the call rep stated that my payment would not be processed more than 1 time. I unequivocally stated that I did not authorize any more than 1 payment. On Monday, XX/XX/XXXX, I checked my account and noticed that the authorized payment of {$750.00} had processed but they had also transferred {$720.00} overdrawing my account. When I called, I spoke to 'XXXX XXXX and she said verified that the information I had received on the XX/XX/XXXX was incorrect. She said that I would have to wait until Wednesday for the payment to post to my account before they could attempt to reverse it. I did nothing wrong, I did not authorize any more than the one, {$750.00}, transaction, they fraudulently took {$720.00}, overdrawing my account and leaving me with a {$35.00} overdraft fee, then told me that I had to wait for their system to post my payment in another 2 days before I could attempt to get my money back.
Consumer complaint received 2022-06-03
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: DISCOVER BANK (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-16
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. (NC)

According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX XXXX XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX XXXX XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (ME)

My job I was employed at for XXXX years closed their doors at the beginning of XX/XX/XXXX. As a new single mom ( divorced in XX/XX/XXXX ) I struggled living on unemployment to pay all my bills as well as keep mine and my daughters head above water and fed. It was the biggest struggle of my life. I am finally back to work and on the right track. I am making good of all my debt that was last due. I went 60 days past due on my Old Navy Credit Card and made the payment of {$100.00} to get my account current. The day my payment posted they closed my account. They were very generous with waiving a late payment fee on the account previously but I really wanted to keep this account open as my daughter loves old navy and we always buy her clothes there.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WA)

I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.
Consumer complaint received 2022-03-03
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. (LA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. XXXX XXXX CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

This account was originally mine, but was compromised and was closed at XXXX with Zero balance. I opened a new account which is current. I then started receiving letters from debt collection stating they had bought the debt and were attempting to collect an outstanding balance. I am not responsible for this debt, its over 10 years old and originates to 2012. These debt collection agencies continue to sell and buy a invalid debt that is over ten years old.