davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CT)

I called Amsher XXXX Collection on XXXX/XXXX/2016 and made a settlement of {$390.00}. I called back on XXXX/XXXX/2016 because XXXX needs more information on my account in order for them to release and unlock my phone as I was promised by XXXX XXXX XXXX as per our conversation recorded for security purposes. Now I am being charged {$98.00} as per XXXX different collectors ( recorded calls remember ) attend my call they had my XXXX up giving me the run around finally after XXXX of giving me the run around finally XXXX XXXX Production Supervisor comes on the phone trying to justify with words defying and being nice but rude towards me she would n't even let me talk to the CEO of the company. I ask for his name it was denied over the phone so I skipped traced and found it, I would love for if you can hear it too. What a professional company??? it looks like it should be for clowns.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NE)

I requested a balance transfer. It was approved. It posted which reduced my available credit by same amount. 11 days later I noticed the transaction was reversed without notice or reason after the fact. The money never entered my bank account, costing me hundreds of dollars in actual monetary damage.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Earlier this year, I received an invitation email from XXXX about XXXX credit card application, sent to the email address linked with my XXXX membership account. One of the terms of the offer was " XXXX Bonus Points after spending {$3000.00} on purchases within the first 3 months. '' This offer concluded on XXXX. Using the link provided in the email, I submitted my application before that deadline. Chase serves as the partner card issuer for XXXX. Although my application was initially pending for a few days, it was ultimately approved by Chase. 

Upon meeting the spending requirement, I discovered that only XXXX points had been deposited into my XXXX account. I promptly contacted Chase regarding this discrepancy. Initially, they denied having extended such an offer to me. I provided the email I had received as evidence. Subsequently, they contested the ownership of the email and requested further proof. In response, I provided a snapshot of my XXXX account, clearly displaying that the email recipient matched my name. Despite this evidence, Chase refused to honor the terms of the offer, which I find unacceptable. 

It is unjust that they advertised a promotion yet failed to deliver on its terms, thereby providing me with an inferior offer. This behavior is not only unethical but also undermines the trust between consumers and financial institutions.
Consumer complaint received 2022-08-14
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. (HI)

We applied for a XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently XXXXXXXX XXXX  does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NC)

Discover Bank, in ongoing criminal identity theft misconduct and seeming like they were phishing operation, kept on calling a phone number belonging to me attempting to collect some debt from someone who I dont know. Discover will probably not respond to federal regulators to explain their interstate criminal misconduct because historically they thumb their noses at the government ( while the Biden government rolls over since the administration is all talk and no action for their donors ) and Discover believes they are simply higher than all the laws. Discover repeatedly and criminally harassingly called my telephone number. When I called the phone number back, they said they had no record of a phone call and suspected the call was a phishing call - as did I initially. All the calls had gone to voicemail- except for the last one. Someone called from the phone number - XXXX. He said he was calling for a personal financial matter- really shady. I asked who was he? He wouldnt say. He then said I was being recorded. I said he had better hope Im in a one party recording state and not a two party recording state because otherwise he would be committing a felony- and he cant hide behind Discover. I found out this was most likely not a phishing operation after last speaking to an agent named XXXX- who seemed nice when I called XXXX. However, I had spoken to a supervisor at XXXX ( the number given in the voicemail ) who thought this was a phishing operation because their systems were not linked. The employees were nice - but Discover the company is a clown show that never should be allowed to merge with XXXX XXXX without risking the financial system. Discover has a repeated history of mishandling customer information and information provided to customers- which they repeatedly refuse to ever respond to federal regulators about their misconduct. To be sure, all my accounts with Discover are currently and always have been in good standing. This was an unacceptable cross of information that seemed like a phishing attempt due to repeated harassing phone calls.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I am writing to formally address an unauthorized transaction that occurred on my debit card on XX/XX/XXXX, amounting to {$1700.00} at XXXX. This transaction was not authorized by me, and despite my efforts to rectify the situation, Chase has declined to refund the amount.

It is crucial to emphasize that I was not in possession of my debit card or cellular phone at the time of the purchase ; both were only retrieved at a later date. Despite this, Chase has asserted that I authorized the transaction under the premise of a " counter purchase. '' I want to unequivocally state that I did not authorize the use of my card for this purchase, nor have I ever engaged in a transaction of similar magnitude or nature before.

Given these circumstances, the burden of proof lies with
Chase to demonstrate that I, XXXX XXXX, authorized this purchase, which I did not. Therefore, I demand that my money be refunded in full without further delay.

I expect prompt action to resolve this matter and anticipate a satisfactory resolution at the earliest convenience.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I reached out to my current lender, Freedom Mortgage, back on XX/XX/2022, in regards to refinancing my loan. Since then, I've been in steadily contact, signed all the requested documents they've provided, and submitted all the necessary paperwork I needed to submit since then. 

I have emails and documentation of everything. And yet, as of today, XX/XX/2022 ( more than THREE MONTHS ), my refinancing has not been finalized. 

A loan refinancing with your current lender should NOT take this long to process!!
Consumer complaint received 2021-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (MO)

I was recently contacted from a representative at NELNET XX/XX/year>. 
I was told they were assigned my Obligation from FEDLOAN.

Because I wasnt aware of the assignment change, I then asked NELNET for the Master Promissory Note, and all accounting records. I didnt receive the accounting records, and the promissory note was missing information and signatures were copied and pasted. XX/XX/year> I asked for the original Master Promissory Note, I didnt get a response. 

Then XX/XX/year>, after not hearing from NELNET. I received a billing statement, but instead of the billing statement coming to my original address, like all the others. It was sent to my Work address. I never put a request to change of address with NELNET. 

I then called NELNET to see why was my address changed, I was told they changed my address XX/XX/year>. When I asked who changed the address, I was told they use something called XXXX XXXX. I Never changed my address with USPS. And my Employer doesnt release private information. 

Instead of sending me the documents I asked for, NELNET changed my address.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (MD)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (NM)

I had an account with XXXX XXXX XXXX through Mercury ( mercuryXXXX ), they closed my account without giving any information. They said funds will be retained at this time, but not specifying how much is that time and what's the reason to hold my funds. They never reply to my emails, no information at all has been given.
Consumer complaint received 2020-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

I keep receiving phone calls from Home Depot credit card. Citi bank is the one who receives the payments. On XX/XX/20 l paid {$65.00} which the minimum was {$28.00} through my credit union bill payer checking account. I had until XX/XX/20 to pay this bill. I contacted the previous agent and he told me to send a copy of my payment to the dispute department which l did. It is a week now and l am still getting harassing phone calls. I have proof so what more can l do to resolve this annoyance?
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

This is the matter in question : This is in reference to check number XXXX written on Chase online Bill pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/year>, ( PLEASE NOTE THE DATE ) by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX  nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX XXXX XXXXXXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank you
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  Account # XXXX XXXX XXXX XXXX ( Sub # 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 2021-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contactedXX/XX/XXXX and they are refusing to remove these fraudulent account as well asXX/XX/XXXX and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
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 XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Wednesday, XX/XX/XXXX at XXXX XXXX  I get a call from someone posing as Wells Fargo, the caller ID was ( XXXX ) XXXX. I answered and they proceeded to inform me that there were fraudulent charges on my debit card and listed XXXX phony charges which never happened in Florida. They already had my Online Wells Fargo Username and password, and while they had me on the phone, they added a wire contact, under my name. Recipient 's bank was XXXX. They then had me type in a * # # to enable call forwarding to their voip number. I was driving and couldn't check my account or read what the prompt just activated on my iphone. 

They then began initiating the wire transfers which prompted the 2FA codes texted to me which I recited back to them ( Wells Fargo actually had the same process when I filed my claims ). First, they performed cash advance from my Credit Card account of {$1500.00} to my checking, then transferred XXXX from my savings and XXXX from my checking. They placed me on a brief hold then the call was disconnected. As soon as I was able to check my phone, I realized what had happened and immediately called Wells Fargo XXXX XXXX at XXXX to have them recall the transfers and freeze my accounts. They did, and issued me new accounts, provided me with a claim # and told me it would be XXXX business days. 

Later that day, I filed an FBI claim for what had transpired in full detail. 

Today ( XX/XX/20 ), I received XXXX letters denying my claims. They're reason is " I am responsible for online wires that originate using your username or password '' even though these individuals already had my WF credentials which Wells Fargo is entrusted to keep secured. Now my checking account has a negative balance and the XXXX is still present on my credit card. That was everything I had and this is going to really make it hard to live. I've placed my medical treatments on hold because of this, and I really just need to be made whole again.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. A Transunion credit report investigation is being requested at this time. 

Thank you, XXXX XXXX
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

On XX/XX/2022 I, the consumer received a deceptive form as defined by 15 United States Code 1692j, in the mailbox of my private location from a third party debt collector ( ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC ). This deceptive form is stating false and inaccurate information. This deceptive form is proof of fraud and aggravated identity theft pursuant 18 United States Code 1028A ( c ) ( 8 ). I have never given ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC any lawful consent to furnish my private nonpublic personal information. ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC has no permissible purpose to create and or house an account using my private nonpublic personal information without my written consent pursuant 15 U.S. Code 1681b ( a ) ( 2 ). This is in fact aggravated identity theft pursuant 18 United States Code XXXX028A ( c ) ( 8 ) and punishable by law ( 15 U.S. Code 6823 Criminal penalty ).
Consumer complaint received 2020-07-05
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. (IL)

I have contacted Equifax several times about not reporting my accounts. Most of my accounts have not been update or lated reported since XXXX of XXXX and XXXX of XXXX. Each week I try to get a free copy of my report online and always denied access to it. Also I did not apply for a mortgage, a recent inquiry for a mortgage company was added to my report which caused my score to drop 51pts