davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: JPMORGAN CHASE & CO. (CO)

on XX/XX/year>, my credit card was charged an amount of {$110.00} for a flight ticket that the merchant hasn't provided the service. 
In fact, I booked a flight ticket from XXXX to XXXX and my gate number for my departure flight was XXXX as it is shown on my boarding pass. So on XX/XX/year>, I went to the assigned gate where my flight should be and I waited for the flight, which was expected to depart at XXXX and the door closes at XXXX Curiously at XXXX, I realized that the flight wasn't at gate XXXX as showing on my boarding pass and I went to look for an agent and ask them why the flight isn't at the gate and the agent informed me that the merchant made a mistake on my boarding pass, but the flight is departing at XXXX. 
Then the flight agent told me that they will refund my money since they made a mistake on my boarding pass. However, I didn't see the refund from the merchant, and I filed a dispute with my bank ( Chase Bank ) and I explained all the details. 
I was surprised to realize that my bank ( CHASE BANK ) failed to investigate the dispute, but they just reinstated the charge of {$110.00} back on my statement whereas the flight admitted that the merchant incorrectly had the wrong gate on my boarding pass where the flight was departing. 

In fact, the merchant never provided the service according to the contractual agreement showing on the boarding pass. They told me they will refund the fees I paid for the service because of their bad customer service but the merchant never did. 

I also attach a copy of my boarding pass along with the dispute initially filed with my bank where my bank is wrongfully supporting the inappropriate action from the merchant.
Consumer complaint received 2024-09-24
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. (FL)

Name : XXXX XXXX XXXX : XXXX Card number ending : XXXX XXXX XXXX I applied for a Chase credit card based on their advertised offer of 0 % APR for 15 months and a 3 % balance transfer fee. This offer was the main reason I chose to apply. My credit score, as shown on the Chase app, is XXXX, and I have a perfect payment history. I've never missed a payment on any credit card in my life, with consistent amounts and responsible credit usage. 

I was approved for a credit limit of {$11000.00}, which was great, but after approval, I found out that I wasnt given the 0 % APR for 15 months or the balance transfer offer as promised. Instead, they assigned me an APR of 27 %, and there was no balance transfer option available. This is not what was advertised, and it's very disappointing, especially since my credit score and history meet the criteria for such offers.

I spoke with a customer service agent and a supervisor, and neither of them could give me a clear explanation as to why I didnt receive the promised terms. They mentioned they werent sure if it was a system error but, unfortunately, there was nothing they could do on their end to fix it. This has left me frustrated, as I applied for the card expecting the advertised benefits. 

Dates : Applied for the card and was approved on XX/XX/year>. 

Credit limit approved : {$11000.00}. 

Im requesting that Chase honor the original terms that were advertised at the time of my application.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Collection account from PORTFOLIO RECOVERY A with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX a unknown charge was authorized to the account ending in XXXX. I contacted Capital One Customer Service and was told I would need to have my debit card replaced. I explained that this is not a great time to have no access to money, so I will wait till the following week. The rep stated he was unable to do so, and cancelled the card anyway. I explained that I would need to have the new card expedited. He said it would take 3 business days. in the meantime, I attempted to use the other. features on the account, only to find out that those did not work either. I called several times between XX/XX/XXXX - XXXX. I was walked through every possible way there was in an effort to obtain funds. Each time nothing worked and I was told there was nothing they can do. Meanwhile, I was told several times the account does not have any security locks on it. 

XXXX received my debit card. attempted to activate it, and nothing. Contacted customer service and was told the problem would need to be expedited and would take an additional 25 days for it to get activated. 

I am currently in the process of trying to move due to an eviction. I have been unable to provide funds to the new place and am essentially left with nothing and will be homeless in a manner of hours. 

I would like to report Capital One Bank for their inability to provide a working and functioning process for obtaining funds. Why is it so easy for my information to get leaked and my accounts to get hacked, but they are unable to help the account holder manage their personal finances, This bank should be shut down.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

My consumer report contains identity theft-linked accounts I never authorized. I recently informed you about this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have blocked important financial goals like buying a home and supporting my family.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I opened a XXXX Citi business card in XXXX. After receiving ridiculously low credit limit which made any larger purchase impossible to put on this card that I planned for the minimum spend. After learning this, I made a plan to complete the minimum spend while I was traveling abroad as I would have more small charges that could add up. Unfortunately this wasn't possible either due to Citi taking over 2 weeks to clear a payment on the account and constant fraud alerts which block transactions. For this reason on XX/XX/XXXX, I was told that my minimum spend deadline was extended, which is still not reflected on the account either. 

Today after a previous purchase cleared my balance was {$1400.00} out of {$1500.00} with an available credit of {$26.00}, therefore I submitted a payment. The payment amount was {$1500.00} in order to allow for a larger purchase to go through once it clears in order to complete the minimum spend. After submitting the payment, my available credit was decreased from {$26.00} to XXXX. I called Citi to see why this is the case, but wasn't given any answer. However I was told that the payment will take 2 weeks to clear again and recommended to cancel the payment and pay with debit card to make it instantly available, which I agreed to. Unfortunately, this also did not happen due to the following error when attempting to cancel the payment : " Because you've already used the credit your recent payment made available, canceling that payment would cause your balance to go over your credit limit. '' This is unfounded and untrue as no transaction was made since the payment was initiated, there are and were no pending transactions on the account, no credit was made available from the recent payment and reversing the payment would not cause the balance to go over the credit limit.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I made a payment of {$76.00} to zero out my business line of credit ; the figure was provided to me by the bank. When my statement date XX/XX/XXXX through XX/XX/year> came, it reflected the payment applied to principal, interest, and fees. I called on XXXX to find out what the fees were for as I only have an annual fee due in XXXX. I was advised a ticket needed to be opened and was provided ticket number XXXX and to allow 24-48 hours. I called each day after that with no resolve/answer, being transferred from department to department. On XXXX I asked for a supervisor and was told that a supervisor would not give me any additional information. I asked if the call was recorded and that I would hold for a supervisor. After some time the agent advised the supervisor was busy with another customer and would call be back. I was given the supervisor name of XXXX. The supervisor did not call me back. I called everyday from XXXX XXXX XXXX, each call being roughly 30 minutes to find out what fee I had been charged and nobody could tell me what the fee was for and only advise more time was needed to look into it.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (CA)

They continue to say I owe a old loan I don't know anything about. I talked to them over XXXX years ago afraid I had identity theft and asked to see original loan documents and never received any. I disputed collection on my credit report and it was removed. Now a different collection agency has put a new collection account on my report. I disputed it with XXXX and it came back as a verified and correct. That is impossible. I can get rid of them. It's been approx XXXX years or longer. They called my daughter and her new husband 's family in another state who I don't even know saying I'm in legal trouble. Please help me with this Cashnet USA company go away.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

The letter was written and mailed on XX/XX/XXXX. I asked for verification of a copy of the original signed agreement or contract showing that I am indeed responsible for this debt. I also asked for a detailed account history by providing a full history of the debt. Including the original amount, payments made, and how the current balance was calculated. I asked for the name and contact information of the original creditor, including any information that links the debt to me. Last I said if you can not provide the requested information, I ask that you cease collection efforts and remove this account from my credit report immediately. Please send all correspondence and documentation regarding this matter to the address listed above within the legally required XXXX period. I have not received any correspondence and the date today is XX/XX/year>.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$1000.00} with JPMCB I did not sign a contract with JPMCB and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to XXXX XXXX XXXX XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : JPMCB Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. JPMCB has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). JPMCB is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-09-19
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: Granite Bay Acceptance Inc. (TN)

The companies listed below received my name, address and other limited information about me so they could make a firm offer of credit or insurance. They did not receive my full credit report. I did not authorize these inquiries. 

XX/XX/XXXXXXXX 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 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 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
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) : # XXXX, and Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/year>XXXX  violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

upon looking over my consumer report i notice there where multiple unauthorized credit inquiries that i did not authorize or initiate. these unauthorized inquiries have raised concernd about the security of my personal credit information. to provide more context the unauthorized inquiries appear as follow : 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
Consumer complaint received 2024-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This Company is Reporting fraudulent inaccurate information on my Credit Report. I am requesting that they provide the Purchase Agreement to Show Full ownership of both accounts and other documents so I may review for myself if these Accounts actually Belong to me.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AML Funding LLC (OK)

My loan officer scheduled an appraisal without consulting me which was billed {$640.00} on my CC XX/XX/XXXX, before I could even do an inspection on the home or gave an intent to proceed. I did an inspection on XXXX ( thursday ) and over the weekend told my real estate agent that I did not want to purchase the homeand signed a release of contract on the following Monday on XXXX, on XX/XX/XXXX the agent asked me to call him and I did and that's when I was informed for the first time that there was an appraisal scheduled and that I would be liable for it, even though it was scheduled for several days after I had already signed a release of contract. I said I refused to pay and the agent said he'd try to cancel and then call me back the next day to give me more information, but he never did and I didnt ' notice the charge on XXXX until after that conversation. I have filled a charge back on my card today XX/XX/XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I sent requests to the credit bureaus questioning the accuracy of the information reported on my credit report. information not the most accurate. Reached out multiple times regarding this matter over the course of XXXX, and the matter still has not been attended to.