davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (CA)

I have a XXXXXXXX XXXX XXXX with Chase Bank which was overcharged for a transaction on XX/XX/. It should have been {$120.00} and my card was instead charged {$500.00}. It was for a dental service which was covered by insurance and insurance confirmed they have paid their portion to the dentist. Instead of billing just the patient 's portion, the dentist charged the full amount to my card as if I was uninsured. I disputed this ( 3 ) times now with Chase and each time they claim it was a valid charge despite me uploading to them the breakdown of what I owed to the amount of {$120.00}. Every time I speak to someone from Chase on the phone they agree with me that I was overcharged and every time the case is reopened, they declare it a valid charge. They are now saying it's past the 90-day window for me to dispute this incorrect charge - despite me disputing it within the window in the first place. Their inability to resolve the problem has exceeded the window- which shouldn't mean that I'm now out {$370.00} that I never agreed to spend. Please push to correct the charge.
Consumer complaint received 2024-05-06
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. ()

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$390.00} XXXX XXXX XXXX Balance {$170.00} XXXX FIN XXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$9700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$120.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX FIN ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX DUES ) XXXX Balance {$260.00}
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I contacted Chase Card Services regarding interest rate changes to my credit card account ending XXXX. The purpose of the call was to determine if the initial interest rate was a Fixed Interest Rate or Variable Interest Rate, request a copy of the XX/XX/XXXX Credit card agreement, request a breakdown of the APR interest rate changes and request copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). The Credit Card Agreement indicates the initial interest rate was 19.99 % Variable Rate. Chase advised there was an interest rate change of 17.99 % to 18.49 % in XX/XX/XXXX and a rate change of 19.24 % in XX/XX/XXXX. However, the Chase representative could not provide the dates of the interest changes from XX/XX/XXXX to XX/XX/XXXX indicating the information was not available. Please be advised Chase did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX. Although the CARD Act Notices were never received, Chase insists the notices were sent accordingly. A letter was received from Chase dated XX/XX/XXXX stating the Change in Terms notice was sent in XX/XX/XXXX ( no specific date specified ) advising of a rate change from 17.99 % to 19.24 % and that a response was required by XX/XX/XXXX. A copy of this Change in Terms notification was not provided by Chase for review. In addition, this statement is inaccurate in that the interest rate change of 17.99 % to 18.49 % occurred in XX/XX/XXXX. The rate changes from 18.49 % to 19.24 % occurred AFTER XX/XX/XXXX. Unfortunately, this detailed information was not provided by the card issuer ( Chase ) as requested. I contacted Chase Card Services again on XX/XX/XXXX and requested copies of the Change of Interest Rate Disclosures ( Change in Terms ). Again, the disclosures and initial information requested was not received from Chase. However, a letter was received dated XX/XX/XXXX stating the same information as the previous letter dated XX/XX/XXXX. As of this date, I have not received request a copy of the XX/XX/XXXX Credit card agreement, a breakdown of the APR interest rate changes and the requested copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). In addition, I did not receive a Change in Terms Disclosure for the XX/XX/XXXX interest rate change. This information was identified on the billing statement. Chase in violation of the CARD Act of XX/XX/XXXX.
Consumer complaint received 2024-09-12
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. (IN)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : XXXX. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

XXXX. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

XXXX. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

XXXX. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

on XX/XX/XXXX I was unjustly evicted BASED ON LAWYERS AND 3 JUDGES IN COLLUSION TO PROTECT THEMSELVES FROM CHARGES OF COLLUSION BETWEEN 2 SEPARATE STATES, NY and NJ. I have pictures and interviews with employees going into apt above mine to turn on broken pipes. THEN POLICE DO NOT TAKE REPORTS. THE XXXX XXXX DID NOT REPAIR THER XXXX XXXX XXXX FRTOM XX/XX/XXXX TO XX/XX/XXXX. I'M XXXX AND THIS BUILDING SIGNED A LEASE THEN TURNED CRIMINAL BECAUSE OF A DOXXED REPORT FROM XXXX. BASED ON A CRIMINAL SOLICITOR WRITING TO BOARD OF MEDICAL EXAMINERS as patient c omplaint letters. Plans are in motion to vacate the LETTER OF ADMONITION THIS FOREIGN LAWYER CAUSED BECAUSE the BOARD DID NOT INVESTIGATE T6HE LEGITAMACY OF THOSE LETTERS, ON MY BED I LEFT MY CELL PHIONE AND THE CAPITOL ONE CREDIT CARD. WHEN I RETURNED TO MY BEDROOM THE POLICE TOOK BOTH, I reported this to CAPITOL ONE AND THEY TOOK ADVANTAGE OF ME AN D REFUSED TO SEND REP [ LACEMENT. I WENT OUT OF, MY WAY TWICE to send copy of my drivers lic ense, once at 1 of their XXXX shops,,, the agent there and I couldnot understand the XXXX person on the phone. I REFUSE XXXXTO PAY ANY LATE FEES OR INTEREST.
Consumer complaint received 2024-05-06
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. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290000.00} XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XX/XX/2024
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have been a victim of identity theft this has been an ongoing problem over the past few years I had alot of fraudulent inquires from someone trying to obtain credit in my name aswell as several credit accounts opened in my name when this came to my attention I filed police and identity theft reports and I submitted a dispute with the 3 Major credit bureaus transunion XXXX and XXXX and requested this information be blocked from my credit file Of those 3 disputes XXXX and XXXX have since blocked this information and transunion sent me a letter stating they would not remove the 27 inquires and block the fraudulent accounts opened from identity theft even though I submitted all the documentation required by federal law to have them do so.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I opened a checking account at US Bank XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, IL. XXXX ) on XX/XX/year>. I went into the bank and asked to talk to a personal banker so I could open up a checking account. I was approached by a young lady by the name of XXXX. I told her I wanted to open up a checking account and would like to get this promotion bonus of {$400.00} but it says it needs to be done online. XXXX looked at my phone and said ok sounds good I can do this at my desk on my computer and I replied it says online only and she replies it doesn't matter I have the promo code right here and I said perfect that works for me. In order to get the {$400.00} bonus you had to make direct deposits totalling {$5000.00} within 90 days of the account being opened and once you met that criteria you would receive your bonus within 60 days. I met the criteria in XXXX of XXXX  basically around 55 days it took me. I waited a week never got my {$400.00} bonus so I called the US Bank complaint line and they said I would receive it at the end of the calendar month so I was like OK but still never received it. I then proceeded to call the bank and talk to XXXX and she told me she had to resubmit it again and I was like ok. I waited some more time and called the US Bank complaint line again and they said the form they submitted was declined and to go into the bank and talk to the manager so I did. I was approached by the branch manager ( XXXX XXXX - direct line XXXX ) and she walked me to her desk. She said that it was supposed to be opened up online and I was like your employee ( XXXX  ) told me it didn't have to be and her response was I know she did this is why I'm going to escalate this problem to my boss ( XXXX XXXX - XXXX ) so she can override this and get your bonus approved since this has happened before. I was like OK because this isn't my fault this is on US Bank NOT ME!!! I was then sent an e-mail from XXXX stating that she was very frustrated like I was and was going to try one last avenue for the approval. I was then sent another e-mail from her stating she couldn't get the approval because it was supposed to be done online. This is an absolute JOKE and NO WAY should US Bank be able to get away with this. I did EVERYTHING the personal banker ( XXXX  ) told me to do and met the necessary criteria and I deserve my {$400.00} bonus. PLEASE HELP!!! 

XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MI)

I close on a home in XXXX weeks! XXXX and XXXX just placed a collection on my account and I have never done business with them or XXXX XXXX XXXX! 

They have never contacted me, written me or signed any agreement with me. Neither company!
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (NC)

XXXX XXXX  provide me a letter release if me from the lease and I have a copy of that letter which I provided to procollect!! It was a XXXX XXXX in the complex building were I lived!! I complained to XXXX about it they didn't like it that I complained about the noise and I reported them about code violations! They didn't like it and told me I could be released from the lease!! I said ok respond back and moved out!! Did what that asked on the letter!! 
Two or three months later they send me to procollect!! I called procollect they were very nasty and didn't want to hear me out!! 
I sent a copy of the letter!! They never responded back in which they said they would!! XXXX XXXX  was on channel XXXX news trying to scam other residents! 
I have tried reaching out to the complex but they are under new management! Didn't have a forwarding address!! I have disputed this almost every month with the credit bureaus and a statement is on my reports but procollect refused to comment on the letter I sent!! They T
Consumer complaint received 2024-08-07
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc. (TX)

I am writing to file a formal complaint against Kikoff regarding their misleading practices and failure to adhere to their stated cancellation rules. 

On XX/XX/XXXX, I closed my account through the kickoff application. I was assured that Your Kikoff account will no longer be included on credit reports following the cancellation and deletion of my account. Based on this assurance, I proceeded with the cancellation. 



However, despite the cancellation, Kikoff continues to report information related to my account to credit reporting agencies, contrary to the explicit assurance provided. I contacted customer support again and was informed that the account does not get deleted from reporting, contrary to what was stated in my cancellation policys This situation is not only misleading but may also be in violation of several consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that consumers must have accurate and complete information on their credit reports. The continued reporting of information that was promised to be removed appears to be a violation of this act.

2. Fair Debt Collection Practices Act ( FDCPA ) : If this reporting is considered an attempt to collect a debt, it may violate the FDCPA, which prohibits misleading practices and requires accurate reporting. 
XXXX. Unfair or Deceptive Acts or Practices ( UDAP ) Laws : State consumer protection laws often prohibit unfair or deceptive practices. Kikoffs misleading assurances and failure to follow through on their cancellation policy may breach these laws.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Equifax is reporting an old account from XXXXXXXX XXXX which is over 7 years old. Account was opened on XX/XX/year>. The last active date is reported as XX/XX/year>.
Consumer complaint received 2023-11-03
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. (NJ)

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.