davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX Florida to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my XXXX XXXX and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX  is XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX  XXXX  was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. 

- I have filed a dispute with Experian and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- Experian still shows my balance with XXXX XXXX. with 90 days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I paid my balance in full via the mobile app, yet received a statement the next billing period for only interest. I have carried a balance in the past and have been paying it down to pay off. When I paid my remaining balance in full via the mobile app, I was presented with the option to pay the minimum, pay the balance in full, or pay another. I selected to pay the balance. The assumption is the balance due would include interest. There was no mention of interest not included, so I expected my payment brought my balance to {$0.00}. When I called about the interest only, I was told the interest is only calculated at the end of the billing cycle after the payment as made. If I had wanted to find out the pay off balance, I should have called customer service for the pay off amount. Nowhere on the mobile app or website does it tell me the total balance due does not include interest and its different than the amount they show as the payoff balance, and nowhere does it mention to call customer service to find out the pay off balance. They are hiding hidden accrued interest charges. The calculated accrued interest needs to be included with payoff balances.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Because I had a bankruptcy over 4 years ago and my loans were not re-affirmed, which is normal procedure even by  Wells Fargo  's statement,  Wells Fargo  does not report the loans to the credit agencies. This makes it impossible for me to refinance my mortgages which have an interest rate of 6.5 %. I contacted  Wells Fargo 's   Customer Care and  Recovery Group, wh ich is the highest customer contact point at    W. F., already twice and was given the same answer. In other words W. F. holds  me  hostage to th eir high interest rate.   The mortgage loan Nos. in question are :  XXXX ,  XXXX  , XXXX . These loans are for  XXXX  different properties.   Thank in advance for your assistance.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance.  A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures  designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022 Chase bank Closed My business checking Account without warning. I was locked out of my account and could not gain access to it. I called the number that was shown to me on my app and waited to hours to speak with a representative. Only to be told that my account is restricted and that it would be closed in 10 days. I was told that they would not be giving me any explanation as to why this was occurring and that they had the right to close it without notice or explanation. I was told that my buisiness is banned from ever doing any business with chase. I have tried to contact different people at chase and no one will give me an explanation as to what is happening. The account has approximately XXXX $ I had a pending rent payment which was denied by chase and now I have been charged with XXXX $ in fees by my land lord do to the cancelled ach transaction.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a complaint to XXXX through XXXX and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Consumer complaint received 2022-01-10
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-06-06
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: Experian Information Solutions Inc. (CA)

I have had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
Consumer complaint received 2021-01-01
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. (TX)

I have disputed an account with Transunion requesting that they investigate further into my XXXX collection. I have sent them letters directly from XXXX proving that they sent the notice of sale and the rights to cure to the incorrect address. In a previous complaint response in this forum by Transunion they stated XXXX verified my current address, and other personal information, which is more proof that they have the correct information for me. The issue is they mailed out information that I am by law supposed to have in writing to an incorrect address after knowing my correct info as Transunion stated to a response in this forum. So now I know, and Transunion knows, that XXXX has accurate and current info. The issue is why wasnt those pertinent documents sent to the correct address but everything else was? Transunion stated they investigated it but its nearly impossible because I provided documentation that the letters were sent to WRong Addresses.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-27
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. (TX)

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX : XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (MS)

Was told I was pre-approved for a XXXX XXXXXXXX credit card. Applied for the card then was denied and now there is a hard inquiry on my credit report. Brought my credit down like XXXX points. It has been 2-3 months and the hard inquiry is still there. Making it impossible to bring my credit up unless I apply for another credit card, which I am scared to do because I don't want my score going down even further XXXX
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I was trying to send a Friend {$50.00} and I sent it to the wrong person and her cash tag is XXXX XXXX. I tried to cancel it but I didn't receive my {$50.00} back. I keep emailing cash app people that I just want my {$50.00} back into my account, that I don't want to send it to no one. They keep saying the same thing over and over again, who was you trying to send it too. And I keep telling them that I just want my money back into my account that I dont need it sent to no one cause I just ended up driving over to my friend house to give them {$50.00} so I dont need it sent to no one. Just put my money back into my account. They just keep saying the same thing over and over. They wont even answer my questions either. I even told them to call me and they dont even do that. I just want my money back.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

After speaking with the lenders legal counsel today they confirmed  ocwen  received the QWR - NOE - TPA on  XXXX / XXXX /  XXXX   and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements.     Their legal counsel received a 5 day notice of error and has failed to cancel the sale.