davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (WA)

In the year of XX/XX/2012 I beleive, I was granted a credit card with XXXX XXXX. The last 4 of the card I am speaking of are XXXX. I spoke with them and they told me that XXXX years ago I asked for a cash advance of which I may have. I honestly don't remember XXXX years ago. My account with this card has been closed for a couple years now ( not really sure how long ) but I have made my regular mothly payment. I then found that roughly half of what I was paying was going to pay interest on a cash advance from XXXX years ago, mind you the account has been closed for some time now. Right now my balance stands at {$470.00}. I am making the monthly payment but started wondering why my balance never seems to go down. Now I know why. They are charging me anywhere from $ XXXX-XXXX a monthjust on the interest. In XX/XX/XXXX of this year they charged me {$11.00}, interest. So for the last XXXX   years I have made payments of just interest of {$560.00}. That is more than I owe on the card. When speaking with them they told me the best they can do is to reverse XXXX months interest charge. I asked if they can reverse XXXX, why not all or something to help me out. They were totally unsympathetic. I own my own home and just went through a divorce, and I make adecent wage, but thanks to my ex-husband my mortgage is behind roughly {$9000.00} dollars. I was on a forbearance modification plan for XXXX months ( which ended in XX/XX/XXXX of this year ) paying a reduced cost. I am now in the midst of trying to get another modification so I don't lose my home. MKy mortgage payment was {$1700.00}, then after the forbearance mod it has jumped to {$1800.00} So along with all my other bills ( and I have no credit cards ) I do not need the added stress of trying to make a payment of which morally should be considered paid. Help and thank you
Consumer complaint received 2023-05-23
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citibank informed me, as can be confirmed by listening to the call with their representative, that my pension direct deposit would be automatically returned to the issuing bank due to the closure of my account with them. Today, I reached out to verify that the direct deposit was indeed returned. However, the representative now advised that I need to contact the fire department to have the issuing bank submit a request for the funds to be returned. Alternatively, I could wait XXXX to XXXX days for the bank to send the funds directly to me. 

I'm confused by receiving conflicting information. My direct deposit was sent on XX/XX/XXXX, and this money is essential for my living expenses. As I mentioned in my initial complaint, I am a XXXX widow. This situation is deeply unfairits unjust that my accounts were closed to begin with, and that the bank didn't immediately return the direct deposit. I urgently need assistance with this matter.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1. TransUnion is still reporting an incorrect address on my credit report, I have no idea why this address came from.

2. I no longer word at XXXX - this should be deleted.

3. I never worked for XXXX - Please Delete
Consumer complaint received 2018-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Your company who i have no contractual agreement or any ties to for that matter, has listed inaccurate debt on my credit report, which is a direct HIPPA violation. Please delete this debt.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I received an email from Chase stating I will be receiving a new Debit card in the mail because mine was at risk for fraud. On XX/XX/2018 I had a fraudulent charge committed on my debt card in the amount of {$260.00} at XXXX. The transaction was in city I have never visited in my entire life. That same morning the charge was done, I immediately contacted my bank during work to file a claim. Chase temporarily credited me the money back into my account while they did their investigation. On XX/XX/XXXX, Chase issued a claim reversal stating because the transaction was PIN verified it was not considered fraud. The also stated when I called to report the fraud it was stated I had my debit card on me, which I did. So because of that they felt it was must have been me that used the card to make that charge. They did not take into consideration the email they sent to me 1 day prior to the fraudulent charge that my debit card was compromised. I was beyond shocked that after over 4 years of being a loyal client my claim was denied the for 2nd time. I felt like not only was I scammed by whoever made that charge but also by Chase, who knew my debit card was at risk and did not preventive measures to protect me. Instead, they the fraud happen and then denied it was fraud.
Consumer complaint received 2022-09-20
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: JPMORGAN CHASE & CO. (MA)

Chase Bank denied my disputed charge of {$800.00} twice, despite the charge very obviously being fraudulent. I was nearly kidnapped in a foreign country, and Chase has sided with scammer who provided faked receipt evidence. 

I flew to XXXX, XXXX, on XX/XX/XXXX and took a taxi from the airport to the hotel - a 30 min drive, which typically costs {$50.00} - XXXX. Upon arrival at the airport, I was approached by many taxi operators, and I believed them to be legitimate as I had no reason to suspect otherwise. I negotiated a fare of XXXX XXXX XXXX  ( roughly {$65.00} USD ) with one of the operators, which I believed I would pay at the end of the ride, like in most countries. But right after I got into the taxi, a man approached my window, took my credit card and charged me XXXX XXXXXXXX XXXX  ( which registered on Chase as {$870.00} USD ) instead. After the card was run the taxi driver immediately drove away and refused me a receipt. I was already in the taxi cab ( with all my luggage ) when my credit card was charged, I was not allowed to see the transaction take place on the handheld card reader device used, and the man who ran my credit card was not my driver. I wasn't even sure that the cab was going to the right hotel at first since my driver didn't speak English and there was no meter. There was no marking on the cab to indicate cab company name, so I was unable to get in touch with them after eventually getting to my hotel. I believed all would be fine after this traumatic experience as there was no way Chase would allow the fraudulent charge through. 

I immediately opened a dispute with Chase to ensure the bank knew that the charge was fraudulent. I paid the originally negotiated amount ( {$65.00} ), but the remaining {$800.00} was under dispute. The fake " receipt '' provided by the taxi company to Chase does not bear my signature ( the scribble on it is very obviously not mine and does not match any of my signature samples ), nor was I ever asked to even sign anything. My card was run secretively and fraudulently. I did not agree to a price of XXXX XXXX, and a {$870.00} charge for a 30 minute taxi ride would be absolutely ridiculous. Unfortunately, given the situation above, the only proof of this traumatic experience is the communication I had via text message with my partner the day this happened, and therefore Chase denied my claim, twice, even after a days-long discussion with multiple bank representatives. This is UNACCEPTABLE banking practice on Chases part.
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. (NM)

I sent your company a letter disputing account number XXXX & XXXX withXXXX XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY (FL)

Sometime in XX/XX/XXXX I tried to use my American Express XXXX XXXX and to request for a credit increase. It was denied. I then called their call center and a representative told me that sometime in XX/XX/XXXX I should recieved a letter starring that American Express will be discontinuing the XXXX program and that all American Express cardholders accounts will be closed. My account closed?! I never recieved such a letter. Therefore I was informed by the rep that I will continue to make payments on the account, but I will be unable to use the credit card to make any charges. This was completely absurd and quite unfair to the consumer. I didnt even have the card for a year and American Express closed my account. The rep informed me that I had to reapply for a regular American Express Card, which they would have to go through the very same process as when I first applied for the card. I was quite insulted and irate about the whole situation, but then it gets worse. I then get a billing statement dated XX/XX/XXXX for the total amount due of {$1100.00} and with the minimum amount due of {$330.00} with a due date of XX/XX/XXXX. With the due date, there is a footnote stating If we do not recieve you minimum payment due by XX/XX/XXXX, you may pay a late payment fee off {$38.00} and your APR will increase to 29.99 % in penalty. 
Then I get a letter from XXXX XXXX XXXX, a professional Debt Recovery Agency. The date of the letter is XX/XX/XXXX. The creditor : American Express with the total amount due of {$1100.00}! Thats TWO DAYS after Amex submitted the billing statement I have been turned over to a collection agency and with a completely different total amount due! And it gets more interesting : I then get a letter from American Express thats dated XX/XX/XXXX informing me that my account has been transferred over to the collection agency XXXX XXXX XXXX with a total amount due of {$1100.00}! This letter was printed after THREE DAYS AFTER I GOT THE COLLECTION LETTER! WHATS GOING ON HERE?! WHAT HAPPENED TO THE ORIGINAL DUE DATE OF XX/XX/XXXX ON THE STATEMENT?! As a consumer I feel cheated. First American Express cancels the XXXX program and cancels my card without notice, then American Express cant wait to send me to collections and post to my credit report?! Quite unfair, impatient, smarmy banking/business practices! Very lowbrow.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with Chase on XX/XX/XXXX due to issues with a merchant. {$1700.00} was returned. The funds were used the same day to purchase alternate air tickets so I would not overstay a visa or be stranded overseas. Chase did not contact me in any way then in mid XXXX took the funds back and said I did not contact them. My call, text, email, and voicemail had no messages from Chase. They reopened the claim and refunded the money. On XX/XX/XXXX I got a call from someone in the executive office saying they had a final resolution. I called back as soon as I could and had to leave a message as they were not there. I never heard back from them and the funds were removed again in XX/XX/XXXX. On XX/XX/XXXX I got a call from the Chase claim department as apparently the case was back with them. I returned the call and was asked what the funds were used for and was told they had been unable to contact me. I reported the funds were used for the alternate travel tickets and told them which transactions were for the tickets. I got a call on XX/XX/XXXX from Chase. I returned the call and was notified they were unable to contact me and asked what the dates for the initial travel was and the days I filed the dispute and tried to deal with the company. I provided the dates and notified the person that I had been called and returned the call and gave them the questions asked. They looked at the notes and apologized and said they would add a note that I had actually been contacted. On XX/XX/XXXX I received a call from Chase. I called back on XX/XX/XXXX due to a busy schedule at that time. I was informed Chase had been unable to contact me and thus they were taking the money and was asked for further information. I provided the information and told them again that they had called me and I had called back, and again the person said they were sorry, they had been able to contact me and there was a mistake. I told them the dates and questions and my request to both prior people that they mark that they had been able to call me. I hear nothing back from Chase until XX/XX/XXXX, at which point collections calls. I called back on XX/XX/XXXX and they said they were seeking the overdraft. i told them the overdraft was their fault and was transferred to claims. I told the claims person I was getting the runaround from Chase and that their people were being either dishonest or not doing their job and that it was negatively impacting me. They told me that nobody had called me back previously about any resolution and that they only send emails ( they have never sent me an email related to the case ) and that it was out of their hands and they would do nothing.
Consumer complaint received 2023-05-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2018-12-07
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. (GA)

There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - XXXX, XXXX, Experian XXXX XXXX - XXXX  These accounts are reporting due to fraud.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a current credit card with Capital One. I've been in and out of the hospital about 5 times in the last month and will likely be going to stay for XXXX XXXX soon. Both companies have been told that this is the case, but they are still calling my phone up to 5+ times a day with the same messages and I don't know what else to tell them. With the medications I'm on at the moment, I can't make any financial decisions with them, but they won't stop calling
Consumer complaint received 2024-11-25
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: WELLS FARGO & COMPANY (CA)

after submitting a claim to wells Fargo about their erroneous and false allegations of fraud against me ( XXXX ) I was told that the negative reporting would be removed in its entirety. 
I also explained to the rep that XXXX XXXX  was also to be updated. It still has not. I am LOSING MONEY daily not to mention I was faced with an eviction as ALL the financial institutions will not let me open a checking account and all my open accounts were forcibly closed after Wells Fargos reporting. Ive sent numerous fees and charges and legal expenses to them for reimbursement and i cant get an update from anyone. THEY ACKNOWLEDGED THAT THEY WERE AT FAULT AND SHOULD HAVE TAKEN THE 5 STEPS CORRECTLY INSTEADING OF JUMPING TO CONCLUSIONS. THEY SAID THEY WILL REVIEW MY FEES AND FINANCIAL HARM I SENT TO THEM FOR REIMBURSEMENT. ITS OVER XXXX $ of LEGAL AND BANK FEES IVE SUFFERED BECAUSE OF THIS COMPANIES SEVERE INCOMPTENCE AND INABILITY TO TRAIN THEIR STAFF IN PROPER BANKING PROCEDURES!!! AND ALSO STILL REPORTING ME TO XXXX XXXX. REMOVE ME AT ONCE! I WILL NOT ASK AGAIN. MY COUNSEL XXXX XXXX HAS PREPARED THE COMPLAINT. ENOUGH IS ENOUGH.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc. (FL)

I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Radius Global Solutions LLC (DE)

I entered into a Student Loan Rehab agreement on XX/XX/XXXX. Without my knowledge, XXXX XXXX XXXX sent my file out for wage garnishment. I was informed by XXXX  that I had to make 5 monthly payments to have the garnishment stopped. I made 5 monthly payments, the most recent on XX/XX/XXXX. I also called and spoke to supervisors and representatives about when the garnishment would stop per the contract. I was informed that would obtain approval in 7-10 days from XXXX the servicer. I called two times on XX/XX/XXXX and an additional 4 times since XX/XX/XXXX. I was told by XXXX I had made the 5 payments and met all their criteria but they could not and would not stop the garnishment. I informed them this was causing a severe financial crisis but they still refused to take any further action.
Consumer complaint received 2018-05-20
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: Exeter Finance, LLC. (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017