davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (GA)

I applied for the chase sapphire preferred card on XX/XX/XXXX through my chase app. I have a checking and savings account with them. Along with a chase freedom card of 17 years. I have never had this particular card before but I saw a pre approval and bonus offer in my chase app so I applied. Once I got my card I starting spending so I could meet the requirements to get the XXXX points with account spend. I didnt get anythings out the welcome offer with my card so I called. I was told I didnt qualify for the bonus offer. And I should have gotten a pop up of the denial in the app. I never received a pop up and have never had this card. Why would I apply and do a hard inquiry on my account for no reason. Chase used that offer to get consumers to apply. Its false advertising. Many other people I see online have had the same issue and with no resolution. Im willing to pull all my account to be use of this. I have been a loyal customer for 17 years. Always paid on time. I escalated the issue on XX/XX/XXXX. Made another inquiry XX/XX/XXXX via secure message and still denied but no reason. I called XX/XX/XXXX told the same and that my escalation was resolved same day without even letting me know. Horrible business practices and conflicting and confusing process.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (OK)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( CONN APPLIANCES INC - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( CONN APPLIANCES INC - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-06-20
Product: Credit 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: CLGF Holdco 1, LLC (FL)

I have a {$1000.00} USD credit card with Milestone.This card is meant to help me rebuild my credit after Ive some hardship. I made a payment on my Milestone credit card on XX/XX/2024. Payment was in the amount of {$990.00} USD to pay the purchases made on the credit card. As of today XX/XX/XXXX my available credit still says {$0.00} USD even after the payment has posted on the credit card account and the my bank has confirmed that the funds were released to them and I can clearly see the amount debited from my bank account. 

I dont have a {$1000.00} to throw around especially during this financial climate. Is this a way of ripping off or punishing people who have had hardship and it affected their credit history? 

Upon calling Milestone they advised me that they can hold the available credit at their soul discretion to ensure good funds. I would like to specify that I had previously made 2 payments on this card and the available credit was updated as soon as the payment posted on the account. I provided proof to Milestone that the funds were debited from my bank account and that the bank confirmed the funds were released to them on XX/XX/2024 and that there was nothing wrong with my funds with this payment just like there was no issues with the previous 2 payments. 
I was advised I would be getting a call back from an account manager which never happened. I had to call back and request to speak to an account manager located in the USA. I was transferred to XXXX who kept insisting that they can hold my funds at their soul discretion to ensure good funds. As I presented my proof and showed him the funds are good I requested the reason why the funds were being held since I complied with their payment conditions and that the payment had good funds. He was unable to let me know or explain why the funds are being held at their soul discretion. I requested to speak to someone higher up than XXXX who could explain the reason why this is happening. I was transferred to XXXX a unit manager who can still not advised the exact reason why my available credit is being held until XX/XX/2024. She mentioned algorithm done by a computer unable to be be overridden.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I am an authorized user in my husbands Macys in store and out of store account. Macys is due In the XXXX and XXXX XXXX on the XXXX. I made the Macys payment which was drafted and paid. When I went to make a payment on the XXXX XXXX on XX/XX/XXXX I accidentally paid the Macys in store account. I called Macys right away to ask them to reverse the payment. Customer Service told me that it could not be done since it was after XXXX. I did advise the payment was made before XXXX. I was told it would take 8 days and I advised money was needed to pay the XXXX XXXX. I filed a dispute with my bank. I provided Macys a payment it was not drafted. I also placed the XXXX XXXX on auto pay it was not drafted. Now we are been charged over account limit and late fees. Macys is messing with our credit. All previous payments made were drafted from same account. Now Macys cs refuse to answer our calls. My name is XXXX XXXX the account is under XXXX XXXX. My phone is ( XXXX ) XXXX. I will not pay Macys any late fees or overdraft fees. The money was available to them. Spoke to my bank was advised that Macys never presented the payment for drafting. I even called on XXXX XXXX to confirm my routing and account number for the XX/XX/XXXX payment and was told the information was correct.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

XXXX PMT FROM BILL PAYER SERVICE ( Error in payment to credit card XXXX ) XXXX " XXXX XXXX XXXX '' ( Bank change status of payment ) - Bank of America returned money in a Check to confused address.

- Bank of America do not confirm address before delivery. 
XXXX Check was cancelled, and an Electronic Transfer was processed to return money in 10 days. 
XXXX I have not received the money on the provided account, nor have I been given a date to receive it.
Consumer complaint received 2023-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (LA)

My name is XXXX XXXX a federally protected consumer and Im making this complaint against Lockhart, Morris, Mont. for committing identity theft. I have never given Lockhart, Morris, Mont. any permission to use my any of my identifying information to commit mail fraud by contacting me about an alleged debt pursuant to 1692c ( c ). Iam demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Lockhart, Morris, Mont. can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If have any legal obligation to pay them. If this documentary evidence can not be produced and Lockhart, Morris, Mont. continues it collection efforts. I file for litigation for actual damages caused and Lockhart, Morris, Mont. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, mail fraud. And also do u have the SSA - 89 Form on file from the S.S.A. with my Signature Please tell me you it, send me copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are Requested and Required. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I been having issues with XXXX XXXX, i ve had several accounts with them for a very long time and paid them always. all of a sudden they closed the account did not credit my payments and started charging huge fees and interest on my account and started reporting the accounts late despite the disagreement and demands for answers and a resolution.there actions is criminal and have hurt my credit scores as they have done this purposely to do so. I want an investigation done on this as they harmed me.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/year> SSN : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX reaching out to address several concerns regarding my experience with the credit bureau. These issues include incorrect account listings, numerous unauthorized inquiries, inaccuracies in credit reporting, inconsistent billing details, and accounts that do not belong to me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

Citi Rewards XXXX for some reason is not reporting my credit card on my XXXX Account. It is being reported with XXXX and XXXX. I have repeating requested this to be corrected. It has now been a year of phone calls. I've spoken to Citi and they tell me to contact XXXX. Then, XXXX tells me to speak to Citi. The last phone call to XXXX, said that all Citi needs to do is submit " letter of reinsertion ''. I shared this with Citi but, nothing has been done.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposit a check endorse on my name for the value of XXXX. The person that endorse the check on my name was my best friend the owner of the check. Chase put on hold the money and said that the funds will be available on XX/XX/XXXX. On XX/XX/XXXX they send me an email letting me know that my account was restricted because of potential fraud that I should call them to answer some question. I call them that same day, the problem was that they can not verify my best friend identity and ask me for her phone number I provide them with the phone number, they said that the phone number didnt match with what they have on file that they need it to updated. I call my friend and explain all the situation, she talk to XXXX XXXX XXXX thats the owner of the line they said the number is already on her name and they didnt understand what else they can do, because in all their systems she is the owner of the line and their systems are updated. She also call her bank to put everything in order and check her phone number her bank told her everything was in order too and there was nothing they could do against chase. I call chase again to explain that the line was already on her name in all the systems, I also gave them more options to verify it was her, I offer to go with her to the chase bank and she could show them her passport, driver license and SSN. i also ask them if they can try to just call that number and theyll see is her, I also let them know that we could send them to their email all this documentation, I also ask them if they could call her bank and verify it was her. they denied all of this and said that the only way was to wait for the system to be updated. I keep calling them during that week we talk in the phone around 3 more times that same week. With any other solution. I spoke with two supervisors none of them gave me any solution. They also mention that I should wait for the system to update, we waited more than 2 week. Between all this I call the county to see if they can do something about it they said maybe getting a bill or a letter that shows that my friend is the owner of the line and that might work, we did that. I call them again on XX/XX/XXXX, offer them the bill that has her name and her number verifying that is her. They said it wouldnt work either and the only solution left was to fill a federal complain against them. I try every solution even go to the bank but chase denied all of this. They also made clear that my account is gon na be closed.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MA)

EXPERIAN CONTINUES TO BE IN VIOLATION OF CONSUMER LAWS AND ARE VIOLATING THE PURPOSE OF CFPB TO AVOID THIS KIND OF CONSUMER FRAUD. We request CFPB to help fix the error that is in our credit report in the form of collection and by that incorrect entry my credit score decreased by about XXXX points. IN RESPONSE TO THE REPORT XXXX. TO CFPB, EXPERIAN PROVIDED INACCURATE, INCORRECT AND IRRELEVANT INFORMATION Experian sent a letter by mail that incorrectly says An account record was updated. Other items disputed are not currently displaying on your personal credit report. BUT, it has not been removed ( XXXX ) the derogatory remark exists even XXXX a report Exprian sent to me in response to previous complaint # XXXX directed at Experian, and ( XXXX ) such removal should increase the credit score by about XXXX points - that is the number my credit score dropped by the addition of this incorrect collection I contacted Experian directly many times and gave information and provided XXXX of pages of facts prior to complaining directly against them in CFOB complaint XXXX. 

Experian further writes in response to CFPB INCORRECTLY as I reported being a victim of identity theft. I HAD NOT REPORTED OF BEING VICTIM OF IDENTITY THEFT. Their additional false words ( which can be perceived as indirect threat ) provided as response to CFPB in response to complaint # XXXX is : You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. THUS EXPERIAN IS WRITING FRAUDULENT INFORMATION TO CFPB AS WELL, RATHER THAN CORRECTING AN ERROR THEY HAVE BEEN ABETTING FOR SO LONG, WHEN NOW BEING PROVEN ABOUT THEIR ERROR PURELY AS A CONSUMER FINANCIAL COMPANY RELATED ERROR AND FRAUDULENT ACTIVITY OF THEIRS. 

I have gone through the cycle of the utility company reporting collection incorrectly to credit report, we refuting Experian/XXXX , though CFPB with extensive information as proof, the utility company sending that to collection company ( XXXX ) who upon collecting facts dismissed that we owe any money to the utility company. I sent those latter proof also to CFPB and EXPERIAN. This completes a cycle of false accusation and more clearing it through full cycle of processes that decided I do not owe any money. Hence, here the complaint is about Experian abetting and consequently involved in fraud. Despite having indisputable proof documents. Expetian is not removing the collection notation in my credit report as well as not correcting s huge drop in credit report because of that. Experian states that the other company say it is true and the account was closed at vendors request - both of which are false and the XXXX of pages of documents I have provided prove those clearly.
Consumer complaint received 2024-10-04
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX
Consumer complaint received 2024-10-04
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. (CA)

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Consumer complaint received 2024-10-04
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. (CA)

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.