davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (DE)

I had a car loan. The car was in a flood and the insurance company considered it a total loss. The insurance company paid the car off in full, but because they had to do an investigation it took a little longer, in the meantime I was in communications with Chase Auto, the insurance company was in communication with Chase Auto. Chase Auto was paid in full by XXXX insurance for the total amount of the loan, however Chase continues to report this debt to my credit report as " charged off/paid in full ''. A debt can not be both paid in full and charged off as bad debt. This is the latest way that they have chosen to report this debt. Previously they had begun reporting the debt as I owed them {$84.00} AFTER my insurance company had called for a payoff amount and paid Chase Auto, I disputed that and then they reported it as a charge off. They absolutely refuse to abide by the FCRA.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WI)

Re : Follow up CFPB Complaint ID : XXXX I'm unsure why my claim couldn't be substantiated but in reaching out to customer service they indeed confirmed my acceptance of the invitation ( XXXX ). Additionally, I've appended the offer letter and supporting documents for your review. If a recording or transcripts of the conversations are necessary we can work with our third party verification services provider to furnish upon request. 

For reference, my description of events are as follows : In the first quarter of 2020 I received an offer to upgrade from the American Express Green Card to its Gold Card. As part of the offer they included a number of Travel Benefits and credits that were to be applied within subsequent billing cycles. Additionally, their annual membership fee was to be pro-rated to reflect the existing membership fee payments and number of months remaining in the year. I accepted the upgrade offer but unfortunately the benefits and adjustments were never applied as promised and the resulting changes to my account didn't take place as described. It turned out that the representative I spoke with was part of an outsourced support effort specific to the travel offer and misinformed me about the program details. I spent the next several billing cycles attempting to correct the issue - having fees reversed and comparable adjustments applied. However I was assessed a penalty APR rate that began in XXXX which was finally lifted in XXXX of this year. All the while I've been informed that a credit adjustment for the difference in what would have been my standard ARP and this penalty APR would be made. I've made a number of attempts every month since to have this corrected - opening a number of cases with Customer Care only to have no follow up or resolution and ending with a representative pointing me to the Cardmembers Agreement with what appears to be no review of the history or details of the issue.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (FL)

I received an notification on my XXXX XXXX account that I had an inquiry from XXXX - XXXX XXXX for XX/XX/2020. I did not authorize this pull from my credit.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello I opened a personal loan from XXXX XXXX XXXX XXXX for {$7.00} and I had paid like $ 1000- {$2000.00} then I was not able to pay back and it went to collection. After 1 year I made a full payment to their lawyer with Cashier Check. I am having 2 problems with this account on my credit report 1 ) it shows 2 accounts which were not paid ( it is supposed to be only 1 account ) 2 ) it is still showing I own them some money which I should not because they didn't do any discount and made me pay full and They did threat me that I lose everything in XXXX XXXX county because they are part of the government
Consumer complaint received 2020-05-02
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. (AR)

XXXX, Experian, and XXXX all reporting a credit card negatively. XXXX XXXX XXXX XXXX ending in XXXX in the amount of {$920.00}. 
XXXX has 82 credit inquires. None are mine, XXXX fixed the inquires on there report but Experian and XXXX are reporting incorrect/fraudulently made inquires still. 
XXXX reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I put this in twice already to you and I have talked to XXXX  and XXXX in the corp office no one wants to help these 2 late payments were due to the corona virus and they woudlnt anything for me until I get up my account In XXXX I could not because of the virus and none of them want to lift a finger to help and I am really really upset these 2 late payments were out of control they don't seem to understand that I have last payments before due to there cutoff times there cutoff times are not fair to people in the west coast to make it due by 6 I work until that time and usually pay after work put every one of them were on the same day maybe missed by four or five minutes because they have unreasonable cut off times for people in the west coast but I never really missed a payment in years and the only reason these ones were missed in XXXX is because of the corona virus and they still stick it to me and there managers are all rude and sound like a broken record
Consumer complaint received 2022-08-20
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I had placed and order for a flat iron by accident that I was unable to cancel from XXXX XXXX for the amount of XXXX and I had disputed this charge right away with my capital one Walmart credit card supposedly capital one had told me they would contact XXXX XXXX and get the charges reversed so they did and I guess by time capital one got a hold of XXXX XXXX they sent me the item already anyway So around that time when the dispute was being investigated by capital one I contacted XXXX XXXX and told them that I was trying to cancel the order and that there website didn't give me and Option to cancel the order so XXXX XXXX emailed me a return shipping label in which I had printed out and sent the item back for a refund XXXX XXXX received the item on XX/XX/XXXX at XXXX XXXX. And yet capital one was still investigating the charge I had told capital one that I returned the item and they said they would investigate further and reverse the charge since I sent the item back to XXXX XXXX and they did remove that charge from my credit card balance however today on XX/XX/XXXX. Capital one rebilled me for the charge for the item that was being disputed with XXXX XXXX in which I refuse to pay because I don't have the item I shipped it back to XXXX XXXX with the shipping label XXXX XXXX had emailed me I have he tracking number as proof the item got sent back to XXXX XXXX but yet capital one put the charge back on my credit card balance for me to pay which is wrong because the item is no longer in my possession
Consumer complaint received 2020-11-28
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I paid someone XXXX through XXXX XXXX for a service that never was fulfilled. The day of the service I never heard Research the person more and come to find out they are a scam. I called my bank, which is navy federal right away and explained to them the terrible outcome they explained to me they cant give me my money back because it was on XXXX XXXX, and XXXX XXXX is liking giving some cash. I explained to them I was scammed, I never had to deal with something like this before. And they just apologized and kept saying try to get my money back through XXXX XXXX. XXXX XXXX didnt give me my money back because the person I send the money to erased they XXXX XXXX. And XXXX XXXX told me to reach out to my bank they will send me my money back but they didnt. And now Im out of XXXX, and my bank couldnt even help me. I still have navy federal but I barely use them now, they dont help their customers thats in need.
Consumer complaint received 2020-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

XX/XX/XXXX -called and emailed and sent in a letter notifying them that the property tax payment date was the delinquent date and that it needed to be paid prior to going delinquent. 
XX/XX/XXXX Called they said it was paid and would go directly to the county treasurer XX/XX/XXXXTalked to Them they said it is sent to XX/XX/XXXXa third party company and yes it should of been sent sooner he assured me that they would pay any late fees. 
-I also mailed a letter requesting they start paying it in a more timely manner. And that they fix all errors and fees XX/XX/XXXX Told them XXXX county already added late fees/delinquency*Which may be reversed depending on time stamp but it shouldnt of even come to this if the had paid it in a timely manner to allow for processing time with their 3rd party. They need to get in contact with XXXX county via website or phone and see if the late fees will still be in effect after payment is received. 
. I asked them how they go about paying the fees and if it would be done in a timely manner they had no answer just have the run around. 

when you call no one has answers and is rude and wont listen to why you are calling if you try explaining they raise their voice and ask you to listen to them or just repeats the same thing but refuses to resolve issues. 

Attached documents dont include the two letters that I sent which I also have copies of.
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I was with XXXX mortgage company since XXXX and I know that I had a majority of my equity missing, and a great deal of my equity was taken during the modification process, I was charged for payments, 20 all the time, the payments that I made were not included in the modification processes and I was overcharged on the fees in numerous occasions, I was not aware of the lawsuit against Owen, but I know I have been subjected to equity loss. I went from XXXX to XXXX XXXX during the period I was with them about 8 years and I went through 3 modifications. I went through XXXX worth of equity during that time. I would like to know if I can get any help in this matter. They made a lot of mistakes in all of my modifications. 

Presently I have issues with PHH Mortgage resolving the issue about my payment. They overcharged me for over 12 months. I became a XXXX XXXX veteran in XXXX and informed phh mortgage. I was payin XXXX $ and then after 12 months it was refused to XXXX. They would never explain why despite writing rhe cfpb and calling the relationship manager. I would like an cplanation.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have set up automatic payments with Bank of America to pay my credit card statement balance. Later on, I did not see the automatic payment on my account. I am not sure if it was mobile application issue or system change, but after 1 year my automatic payments stopped occurring. Later, I started checking my payments to my credit card. I realized the payments did not work couple more times and paid manually. For example, the statement due date was XX/XX/XXXX. I checked on XX/XX/XXXX and saw there is no automatic payments going to the bank. I directly send payment by app manually. Surely, the payment was reflected on my account XX/XX/XXXX or XXXX because of processing time even though I have sent the payment on time. After months, today, I realized that the bank has charged me late fee and interest for those payments to them. I called them. There were multiple charges each of them around XXXX dollars. They said they were only able to refund the last one and I needed to contact credit bureau for fixing this.I would like to receive my money charged for late payment which were not late and delete those from my credit history. 
XX/XX/XXXX, XXXX USD ( This one might be refunded in couple of days by the bank ) XX/XX/XXXX, XXXX USD XX/XX/XXXX, XXXX USD
Consumer complaint received 2019-03-20
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: Franklin Collection Service, Inc. (MS)

I have submitted several letters to XXXX  showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX  and XXXX have deleted this account off my credit report.
Consumer complaint received 2024-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (FL)

I got money deposited in my Wells Fargo account and it will always be a fee taken out when I asked about it they wasnt clear on why I had all these banks fees coming out. So I started to transfer money out my main account to my savings account for Wells Fargo. Then I noticed once I transfer my money to my savings from Wells Fargo that my main checking account will be in the negative then they will add a fee. I wasnt sure why my checking account will be negative if I transferred the mine that was in there to my savings for Wells Fargo. The company kelp giving me the push around and no real answers. I also had issues with my Account always getting hacked and the bank giving me a hard time about rebursing my money.
Consumer complaint received 2022-06-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Farrell Holdings, LLC (IL)

Im a little late on my car loan but I also get a 10 day grace period. They call me non stop on different numbers, every 5 minutes. It distracts me at work and while driving. If Im late one day, I get so many phone calls from different numbers from the car loan company. The name is XXXXc, thats the car loan company. They dont stop calling, they call about 50 or more times every single day, thats uncalled for.
Consumer complaint received 2020-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/XXXX My XXXX XXXX XXXX Was Total Lost XXXX   my insurance paid the value {$12000.00} I spoke with XXXX  ( Which is BRIDGECREST ) & All CALLS ARE RECORDED WITH THEM ... I was told My Gap Insurance Taking Care The Remaning Balance I didn't Owe Anything I will receive papers to sign ... I Called Again Cause I Didn't Recieved Anything while weeks went by I called again ( spoke with BRIDGECREST & my gap insurance company in 3way ) was told everything being paid ... I DIDN'T RECIEVED ANY PAPERWORK FROM BRIDGECREST OR ANYTHING after that until I looked at my credit report they saying I owe {$8.00} I wrote BRIDGECREST a letter for verification of this amount, how was this amount calculated, where it come from 3 TIMES I REQUESTED THIS & they refuse to Validate this they refuse to send me proof of this bill ... I don't owe them anything they reporting late payments on my credit I asked them to Validate that 3x & yet to do so they reporting different amounts on my credit also they sent me copy of my contract but yet to send how they came up with this extra money after the car was paid IN FULL
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

Tried to purchase gas at XXXX on XX/XX/2022. Swiped my card twice and it said see cashier so I used a different card and never successfully bought gas with this card. I was charged {$100.00} twice for the two times I swiped my card. XXXX customer care looked up my transaction and has no hold on my card its the serve card holding my money. I have called them everyday this week and have been told different answers. When I called at the time the charges happened on the XXXX I was told they could not help until the transaction was complete. I call back a few days later and they said it could take up to 7 days. I called back today now they say 8 days. I asked to talk to a supervisor and waited for half an hour. A person picked up and said escalation call back and hung up. I have made all but certain that it is the card issuer holding funds on my account and wont release them. And the varying answers about when my money will be off hold makes me think its a scam. They also keep saying its XXXX holding the money but XXXX clears transactions after 48 hours. Serve took {$200.00} for gas and I would like it back.
Consumer complaint received 2020-05-02
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: AMERICAN EXPRESS COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was XXXX of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.
Consumer complaint received 2021-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.