davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX a Chase Plan was set up to pay off a charge of {$2400.00} over 6 payments at the rate of {$400.00} in principle payment plus a {$14.00} monthly fee. On XX/XX/XXXX a second Chase Plan was created to pay off a charge of {$2400.00} over 6 payments of {$400.00} in principle payment and a {$15.00} monthly fee. The first payment for each plan was listed in the XX/XX/XXXX statement, with payment due on XX/XX/XXXX. The overall credit card balance was {$6600.00}. The interest saving balance due on XX/XX/XXXX was {$2600.00}. The minimum payment was {$870.00}. A payment was made on XX/XX/XXXX, for {$870.00}, and on XX/XX/XXXX, for {$3400.00}. The XXXX statement indicated that the first Chase Plan had a remaining principal balance of {$320.00} with one payment remaining. Chase had taken the overpayment of {$1600.00} and applied it to the Chase Plan instead of my overall balance of the new purchase. This practice of applying overpayment to the Chase Plan instead of the outstanding balance of purchases continues until the first plan was closed, early and the second plan as of XX/XX/XXXX has one remaining principal payment of {$210.00}. I have now had an outstanding overall balance of {$4700.00} that I will be changing {$63.00} for interest. Chase Freedom stated the overpayments went to the Chase Plan, without my permission or request creating an unpaid balance of charges. Chase refuses to rectify the situation by either A : crediting the purchase balance and correcting the principal balance to be paid off on the Chase Plans or B : waving the interest fees on the outstanding balance.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX XXXX in XXXX Texas. Information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included I. E insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit ( c ) property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance and I was told that I had to show /Have insurance to obtain the vehicle by XXXX XXXX XXXX Furthermore on XX/XX/XXXX when I made a cash down payment of {$9.00} with XXXX she advertised to me that I needed to make a down payment to also obtained a XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of down payment installments says, no advertising to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my rights as a consumer were clearly violated and therefore I was defraud it. In regards to subsection 15 US C 6802 ( a ). A notice of requirement obligations with respect to disclosures of personal information. I was not made aware That I could opt out from this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have this consumer credit transaction furnished on my consumer report which is technically identity XXXX. Due to this being furnished on my consumer report I was denied for a loan on XX/XX/XXXX in multiple loans including credit cards.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this DICOVERBANK account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately
Consumer complaint received 2022-01-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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. (GA)

This account is past the statute of limitations date file XX/XX/2012. Enjoy the statute of limitation of XXXX years so this account should be removed immediately and delete it from my credit report.
Consumer complaint received 2022-01-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-01-09
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. (PA)

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX  /equifax/and XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you
Consumer complaint received 2022-01-09
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: BARCLAYS BANK DELAWARE (NC)

The card in question is an XXXX XXXX XXXX XXXX that I use for my one man company for business related expenses. 

The XXXX statement showed 2 charges in XXXX that I reported in XX/XX/2021 to Barclays. They cancelled the card and issued a new card. 

When I received the card I could not activate it. When I called Barclays I was forwarded to the security department. They could not resolve the issue. 

What I later found out was that Barclays was in the midst of combining my personal XXXX account with my business card account under XXXX login name and password for security. During this period it seems that no one at Barclays could access my file. I could not access my statements and, as you will see in the attached documents, I resorted to writing a letter in XX/XX/2021 to highlight the disputed charges and that I wish to close the account. 

The wrote back saying this was not possible. 

I was able to access the system in XXXX and found the dispute section ( that is buried in their website ) and filed a dispute ( see copies of dispute acknowledgment ). 

Barclays last letters indicate they contend too much time passed for them to do anything and basically saying it was my problem when, if fact, they knew of the issue in XX/XX/2021. 

First, why did they not contact me when the charges were made? It appears that the charges took place in XXXX XXXX. Isn't that suspicious on its own when my pattern of spending was known in their system? 

Second, I did not make or authorize any charges to the company in question. 

Third, I could not find anything about this company in XXXX. 

Fourth, Barclays had to have a link to the card reader and bank account for the company in question to process these charges. Why can't they simply reverse the charges and credit my account.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I am XXXX XXXX XXXX XXXX, I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a CITIBANK NATIONAL ASSOCIATION, doing business as CITIBANK credit card ( citicard ) in XX/XX/2021 with a limit of XXXX XXXX dollars. In XX/XX/2021, I received an alert text message says that my limit was dropped to XXXX XXXX, XXXX XXXX dollars. I never missed a payment. I was never late on a payment either. I called the CITIBANK customer service, to inquire why would the limit was dropped. The service agent that I spoke with with, was unable to answer my question. She said an explanation would be mailed out to me.I called back XXXX, XXXX and XXXX, inquiring about the decrease in the credit limit. All along, still not missing a payment or making any late payments. I have NOT received any information on the phone or by mail, on why my limit was decreased. I always confirm my mailing address, with every call. I spoke with supervisors, and still I have not received any information, on why this trangression of my rights was taking place or why I am being denied my right of credit by CITIBANK NATIONAL ASSOCIATION. According to 15 USC 1602 definitions of The Truth and Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK NATIONAL ASSOCIATION , adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( II ) are up to ( {$5000.00} ) CITIBANK NATIONAL ACCOCIATION , doing buiness as CITIBANK is now civily liable to pay me for the damages.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (LA)

I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account. 

The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.
Consumer complaint received 2024-08-20
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. (FL)

This account XXXX XXXX XXXX XXXX is fraudulent on my credit report and should be deleted immediately Ive emailed the company and they have told me the matter is resolved and that it should be removed. Ive called and ask for it to be removed and it is still reporting. Im going add the emails with the company stating that the item shouldnt be on there.
Consumer complaint received 2022-01-08
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. (TX)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I am the consumer, original creditor and natural person. Department Store National Bank has denied my right to credit as I applied for a Macy 's American Express Card on XX/XX/2021. Pursuant to 15 USC 1681a ( k ), Department Store National Bank violated federal law by denying my credit application. DSNB also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (IL)

Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.
Consumer complaint received 2022-01-09
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. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-01-09
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. (PA)

I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX Chase locked up my checking account. I had my XXXX money in there for my family around 3950.00 I was not able to get money out or purchase anything with my debit card. I called chase that night after 3 hours on hold I was told from there fraud department that I was not allowed to bank with them and they would send me my money back in 10 days. Not only did they lock up my checking account but my XXXX credit card through Chase is locked up and I can't see anything on my app my balances can't make a payments nothing they are going to ruin my credit. Well I call back the next day after 2 hours on hold I was told it was something to do from a XXXX incident with Chase. I banked with Chase from XXXX to XXXX I was kicked out in XXXX I was selling a boat somebody sent me a check I showed the check to the teller and she called the bank and confirmed it was a good check I deposited the check somehow it worked in reverse I called the bank as soon as I found out they stopped it the next day it happened again it worked in reverse somehow I called the bank they locked my account they said they would get back to me and the next day they got back to me and said I can no longer bank with them so they sent me my money back in XXXX so in XXXX of XXXX XXXX offered me a credit card I got approved for the credit card that is offered by Chase bank also they were sending me promotions through Chase bank to open up a checking account again I did three or four months went by everything 's been fine the day before XXXX they locked up my account they will not tell me why or give me any reasons. I have done nothing wrong they put immense amount of stress on me they are ruining my credit I can't make my payments please help me thanks
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Theres an address on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX, IL. is not my address. I have never lived at this address. I have never been to this address and I dont know anyone who live at this address or previously have live at this address. Ive disputed this information with Experian several times and this address is still on my report. I dont care who reported the address, obviously it was some type of mistake. Ive already resolved the issue with XXXX and XXXX. But Experian is now validating the FCRA. I have no idea who this address belongs to. But its not mine. I also have inquiries that I didnt authorize. Someone also tried to open bank accounts under my name that I didnt authorize.
Consumer complaint received 2019-06-29
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: Experian Information Solutions Inc. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THIEF SOMEONE HAS GOTTEN HOLD TO MY PERSONAL INFORMATION I AM XXXX AND I'M XXXX YEARS OD AGE I NO NOTHING ABOUT THIS FRAUD STUFF PLEASE HELP ME
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX