davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

A while back I thought emails regarding a chase bank XXXX XXXX were spam emails. However, sat XX/XX/23 I received a new XXXX account and XXXX  in my mail. I called chase to ask about this request and who ordered it. No information was given
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

It's been about XXXX weeks since I saw a notice saying my fund is not availabl for withdrawal, I tried to reach Capital One Bank the ask me to leave a voice mail message so can call me back, I did several time I havent heared from them. 
I cant pay my bills, all the bills are past due because of this. I need my money.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

i have received my disclosure from LexisNexis and XXXX, XXXX said it comes back verified as accurate when the issue is LexisNexis doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ LexisNexis/ XXXX and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
Consumer complaint received 2023-08-04
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: Conn's, Inc. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-27
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. (OH)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

PORTFOLIO RECOVERY IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

My business account overdraft fees from chase bank business checking account XX/XX/2023 OVERDRAFT FEE FOR A {$32.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX ID : XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX : WEB TRACE # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Fee - {$34.00} - {$270.00} XX/XX/2023 OVERDRAFT FEE FOR A {$13.00} CARD PURCHASE - DETAILS : XXXX XXXX  # XXXX https : XXXX. MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$240.00} XX/XX/2023 OVERDRAFT FEE FOR A {$12.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$200.00} XX/XX/2023 OVERDRAFT FEE FOR A {$11.00} CARD PURCHASE - DETAILS : XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$170.00} XX/XX/2023 OVERDRAFT FEE FOR A {$76.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$270.00} My Personal account overdraft fees from chase personal business account XX/XX/2023 OVERDRAFT FEE FOR A {$14.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$230.00} XX/XX/2023 OVERDRAFT FEE FOR A {$50.00} ITEM - DETAILS : XXXX XXXX XXXX PAYMENT XXXX ID : XXXX Fee - {$34.00} - {$190.00} XX/XX/2023 OVERDRAFT FEE FOR A {$150.00} ITEM - DETAILS : XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$160.00} XX/XX/2023 OVERDRAFT FEE FOR A {$80.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$130.00}
Consumer complaint received 2024-03-15
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. (TX)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX A Account number : XXXX  Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-11-25
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. (VA)

Experian.com lowered my fico score XXXX points, and I have no idea why. I haven't had any late payments, no hard inquires, the same XXXX credit cards for years., and I've banked at XXXX XXXX XXXX for XXXX years. Apparently, these clowns think you should have credit cards, but if you use them they lower your fico score.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Pending civil unlimited discrimination case against Capital one against a XXXX  person, withholding ALL my credit card accounts and 360 checking account which is under a separate complaint herein. 

As XXXX XXXX aka XXXX XXXX is one and the same and has informed Capital One of this and provided documentation. 

Each and every call will be recorded as XXXX  is a 2-party state thou I am presently in XXXX  attending XXXX XXXX, thus a 1 party state, but I don't have to let you know and i record each contact to show the pattern of abuse by Capital one. 

Below are a list of my credit card accounts Capital One is illegal withholding as I have had them for years and they allege fraud which is a discrimination against a protected class of persons in XXXX  leading to harm against my reputation as a XXXX XXXX  and previous XXXX XXXX XXXX XXXX XXXX who is familure with credit card fraud. 

Thus, we suggest you tread carefully here, as we are filing a XXXX tort case for discrimination, IIED, negligence, etc. 

Under XXXX XXXX : Captial One debit Card : XXXX XXXX XXXX XXXX Capital One Savior Card XXXX line : XXXX XXXX XXXX XXXX XXXX line Capital One XXXX XXXX line : XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line Capital One Savior : XXXX XXXX XXXX XXXX XXXX line Called Capital one today at XXXX hours talked to XXXX  this day, XX/XX/2023, refused to talk to me due to recorded line. count 2 negligence as Capital One can record but a victim can not? negligence on the part of Capital One. 

Again, for the forth or fith time, copy of my legal name change and ID provided.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Furnisher of information : XXXX XXXX Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account listed above is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, I made the decision to open a XXXX XXXX credit card with the intention of building my credit and enjoying increased cash back on my spending. The allure of a one-time {$200.00} cash bonus after spending {$500.00} within the first 3 months, as advertised on the official " capitalone.com '' website, added to the appeal. It's important to note that I already hold a high yield savings account with Capital One. 

However, my optimism was dampened when, a few days later, I contacted the credit card agents to confirm the details of the sign-on bonus. To my dismay, they conveyed that I didn't qualify for the offer because I had signed up during a period that supposedly didn't include the bonus, contrary to the information on the Capital One website. 

More than the monetary aspect, what truly frustrates and angers me about this situation is the sense of deception, trickery, and dishonesty. Despite these feelings, I still hold a positive view of Capital One and sincerely hope they address and rectify this serious issue.
Consumer complaint received 2023-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX responded to complaint number XXXX and lied and stated that I was not enrolled in XXXX XXXX XXXX spoke with a Comenity Rep on XX/XX/XXXX requesting the date and time of XXXX XXXXXXXX enrollment. They provided me with information that my Victoria Secret enrollment date for XXXX XXXX was XX/XX/XXXX and not the date XXXX XXXX XXXX provided in complaint number XXXX. This company is lying and refuses to address my concerns. They also filed a judgement against me without my knowledge. I did not receive any documentation regarding the judgement and I was not served. This is a violation. I am requesting all documents regarding this judgement as I believe they forged my signature on legal documents.
Consumer complaint received 2024-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (AR)

Company has harassed me about this debt via calls, text and emails. Even called my job and Sold my information to a third party. I didn't consent to anything this has gone on since XX/XX/2022. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (CA)

I have issued a complaint to this company about inquiries and accounts on my consumer report and have not been contacted regarding these issues. It is now well over the 30 day limit and they are in violation. I also had some 3rd party debt collectors removed off of my consumer report and wondering why XXXX, who is also a 3rd party debt collector, does not have to abide by the law? And why is Experian not complying as well? This is two violations that I came name off the top of my head, but there are more, I'm sure. I feel oppressed and abused by a system that is supposed to be protecting me. WHY ARE THINGS NOT CHANGING?
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC (CA)

XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I noticed I can not login on to Chase App during XXXX trip and it shows account locked due to unusual activity. I called two representative and they do not have any details about this incident except they said Chase has decided to close all my checking accounts. The only recent activity on my checking account is XXXX payment from my girlfriend for our trip. I hereby declare there were no suspicious or illegal activities on my account for the five years of opening.This was extremely disappointing and needed immediate action. I have all my funds in the account and several bills needed to be paid timely within a week from now.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

I received a promotional flyer while on XXXX XXXX that said balance transfers would be interest free for 15 months after payment of a 5 % transfer fee. I did the math and decided to do it. The flyer did not say that I would need to make a minimum monthly payment of more than 1 % of the balance. That changed the math, but I had already paid the 5 % fee. I paid off all the other charges and fees and stopped using the card. The current balance is {$140.00} less than the original " interest free '' balance transfer, but I keep getting charged interest. The only explanation is that they misapplied a payment to the balance transfer rather than the other charges, so they show an unpaid balance in the " other charges '' category and show the balance transfer as overpaid. I have been in chat sessions with them over the last XXXX billing cycles, to no avail. I don't think anybody even reads my message, they just send a form response. 

I believe the promotional flyer was misleading and that Barclays is not equipped to fulfill the promises they made.