davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Hello - In XXXX of this year I opened a Checking and Savings Account with JP Morgan Chase ( Chase ) under a {$600.00} promotion offer. The terms of the offer clearly stated the following : " Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. '' I did not have existing accounts and I did not close accounts within the 90 days. Hence I went ahead opened the accounts, transferred {$15000.00} in my savings account, established direct deposit in my checking account and met all the terms of the promotion. It has now been several months since I have met all the terms of the promotion. However Chase has not credited the {$600.00} promotion credit to my account. After several secure messages, and calls to the Customer Service Department they are telling me that my accounts are ineligible for the {$600.00} promotion credit because of an " internal policy '' at the bank indicating that promotion credit can be obtained only once every two years.

However such " internal policy '' requirement was not disclosed to me when the Bank cheated me and took my hard earned {$15000.00} funds from me. Attached are the terms and condition of the promo code with all the published eligibility requirements and you will see for yourself that the Bank has not disclosed this ficticious " internal policy '' before accepting funds from a customer. On the contrary the Bank has knowlingly and deliberately lied to customers indicating they will be eligible for the bonus provided they did not close accounts in the past 90 days.

To say one thing in writing and openly to defraud a customer of their money and then turnaround and present another set of eligibility requirements based on undisclosed and fictitious " internal policies '' is out right cheating, daylight robbery, unethical, illegal, immoral and utterly shameful and shameless behavior!
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

For many years, I have had a credit card issued by USBank. I also have a checking account with USbank.

I have paid my credit card balance from my USBank checking account using the online USBank payment function in my credit card account. I would schedule online payments on the due date. I was able to schedule payment on the due due regardless of whether the due date was a weekend or holiday.

Recently, USBank implemented a new online payment facility. The new facility no longer has the online payment function in my credit card account that I had been using. There is a new online payment facility for all accounts that doesn't allow payments to be made on weekends or holidays. 

Last month, my credit card payment was due on Saturday XX/XX/XXXX. The USBank payment facility did not allow me to make a payment on XX/XX/XXXX. I made a payment on the next business day XX/XX/XXXX. I was charged a late fee and interest. 

According to the CFPB website " If your payment is due on a day on which mail is not delivered ( such as a Sunday ) and you mail your payment, you can not be charged a late fee if your payment arrives on the next business day. '' And also " if you pay online you must make your payment on the day it was due even if that day is a Sunday or holiday. ". 

Currently the USBank system doesn't allow online payments on a Saturday, Sunday or holiday. So it is reasonable that I shouldn't be charged a late fee until the next business day because USBank won't accept online payments until the next business day.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

There are 3 Credit Ratings Companies ( Top 3 ) all give me a credit score from XXXX to XXXX out of XXXX. Now it is very puzzling when they decide to give someone a credit card, why they fail to use the credit score? Or why they refuse how good this guy credit rating is? 

when I go buy a car, They tell me your credit score is in 5 percentile and very good. 

I have had business both personal and corporate with Wells Fargo BanK long before that started with XXXX XXXX XXXX XXXX NC and then Wachovia Bank, all of these are now within Wells Fargo Bank. So there is a clear knowledge base for the company to make decision. Nothing more important than the Credit Score which clearly show the character of the person getting the credit card. I had never had a returned check through out the 50 years of work experience and never failed to pay my bills, if they were mine, and not paying them ontime. 

The excuse they bring is " you need to do things to improve your credit score ''. This clearly show the persons who is actually reading and sending out these letters are not highly qualified people. 

The only plausible explanation is the pure prejudice because of my XXXX name, which by itself does not necessarily determine the character of the person. 

I would like to send you the two letters I received from these folks and you would explain how this can be anything else other than prejudice. 

The letters provide details needed, I did not include those details here. 

Please allow me to know how I can send you the letters from Wachovia. 

Sincerely
Consumer complaint received 2021-09-19
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: SYNCHRONY FINANCIAL (UT)

I closed my account on XX/XX/2021 with a positive balance and was due a refund of {$120.00}. I recently disputed successfully an authorized transaction and recently providing additional information to a representative who had called me. 

The bank reported my account to the credit bureaus indicating that I owe them money on XX/XX/2021.
Consumer complaint received 2019-10-18
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: JPMORGAN CHASE & CO. (NY)

Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago!

I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. ). They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score!

Thanks
Consumer complaint received 2016-12-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C. (WA)

Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked XXXX and Equifax for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XXXX/XXXX/2014.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (WA)

I moved my funds out of my account in order to get a XXXX balance, which was needed in order to close the account. This is an account that had not charged a service fee in the past. As soon as the account level went to XXXX, a charge was levied such that my account now shows a negative balance of {$12.00}. When I called, they told me that a fee was levied because the account balance did not meet their criteria for a fee ... but they would refund the {$12.00} and close the account. So that is nice but they need to be called out on the whole mess.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

Equifax are provides inaccurate information in my credit report where it is causing hardship in my credit score points and provides old credit report that should be removed. 

They are still reporting information that are over 7 years old in which need to be removed. 

XXXX and XXXX  have updated and removed all credit reports that are over 7 years old in my credit reports, with them.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NH)

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM 12 XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account as the account was paid in full to XXXX when account was closed 10 years ago and I have not since had another phone CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX
Consumer complaint received 2020-12-01
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. (LA)

Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}
Consumer complaint received 2020-12-01
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. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-01
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. (LA)

On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I want all the account will removed ASAP or I will file a litigation.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have been the victim of on going ID theft and have several fraud accounts and info reporting on my Transunion credit report. I please ask that this info be removed and are blocked ASAP. Thank you 1.XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXX, XXXX 4. XXXX XXXX 5.XXXX XXXX XXXX, XXXX 6.XXXX XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8.XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX, XXXX 10.XXXX XXXX 11. XXXX XXXX XXXX, XXXX 12.XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I refinanced my home in XXXX. The mortgage company accidentally indicated that I was 30 days late on my payment for XXXX and XXXX on the old account. I contacted The mortgage company and they agreed to resolve the issue. Equifax has received a letter stating that the reporting was in error. The only change in my credit report was to mark XXXX and XXXX as 60 days late. They have not corrected the report and it is significantly affecting my credit score.
Consumer complaint received 2019-08-08
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. (FL)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. EQUIFAX MTG 2. XXXX  XXXX 3. XXXX XXXX 4.  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business  days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit (TX)

Lake City / XXXX are continuing to attempt to collect a debt that is not owed by me. The debt is erroneous and fraud. They have claimed to validated these alleged debt. They have skipped traced and received my current address. However the address listed on the debt was never my address ... the fraudulent bank account documents they also included are also unknown. In addition, the credit bureaus and LAKE CITY/ XXXX  have been provided with the police and affidavit that was required. I do not owe and have never owed said companies listed.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!
Consumer complaint received 2020-12-01
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (OH)

I bought a kitchen suite from Best Buy. When it was time to pay I told the sales person that I was using two different cards, some on my Best Buy card but I only wanted to put like {$1200.00} on my bbcc so I didnt max my card out. He told me Im sure theyve given you an increase as I replied to him that they had not and I would know if they had. I told him to call Citi Bank to see if they would give me an increase, he swiped my card and over drew my account. I was furious when a few days later I noticed my XXXX lowered my credit limit to were its almost to the XXXX, XXXX did the same thing as well as XXXX XXXX. 
I had a credit score that was pretty good and I know Ive used my spending is getting high but Im trying to help my XXXX daughters which they both have XXXX yr olds, Covid isnt helping anymore anyone. The guy at Best Buy really messed my credit up and Im almost in tears every day because if I need to go buy a car for instance I cant. Not one person at Best Buy or Citi Bank even tried to compensate me which I could care less I want my credit fixed, I wasnt the one who messed it up but I have to fix it. I dont think people understand how hard it is to take care of this and watch XXXX babies. Please, Please tell me we can fix my credit! I told that guy what he needed to do and he didnt listen!