davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I ordered new checks from the Bank of America. I paid {$48.00}, including {$13.00} shipping. 

Today I received only 39 checks or {$1.00} PER CHECK! 

This is beyond outrageous! 

Yet the Bank of America refuses to do anything about it at this point! 

Yet again more problems : Earlier today the Bank of America at my demand under the law reversed 3 {$35.00} overdraft fees when yet for the umpteenth time I pointed out that I HAVE OVERDRAFT PRECTION! 

I am talking about total and complete incompetence at the BAC! 

And nothing is being done about it in my case!
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One allowed fraudulent cash advances occur without Pin from a stolen credit card. Without flagging the transactions. I reported the transactions and locked the card immediately. I called this merchants phone number. They told me this was a cash advance without pin that was signed and they faxed me the signature which isnt my signature. Yet Capital one sent me a letter stating no indication of Fraud? I never authorized this transaction on the stolen card. The letter states they had information which leads them to believe I benefited from the STOLEN CARD TRANSACTION. In another state. Not to mention I was never sent a fraud alert text to confirm this transaction because capital one never flagged it. This is fraud, and going against their zero liability policy.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

In XXXX, I contact JPMC concerning a balance that they contacted me about and that I had not idea was owed. It is for my Amazon credit card. I did place an order for {$40.00} bottle of XXXX XXXX. I had been using Amazon 's Bonus Credits in dollar amounts and when I did not receive a bill and when I showed a XXXX balance on my Amazon account, I assumed the purchase was covered under their bonus credits in dollar amounts. I received a call from JPMC in early XXXX and thought it was spam. I purchased a home and a past due ( 2 months ) report from them appeared on my credit report. I contact JPMC and after waiting on hold for over 2 hours and being transferred to multiple departments, it was explained that I owed almost {$200.00} for the {$40.00} purchase as the bill had not been paid. I had not received a bill in the mail or an email ( which Amazon had both on file ). When finally being transferred to a department who could assist, I explained my situation. The rep advised they had returned mail as it had been mailed to my physical address and not my mailing address. Again, they had all of my correct information. I was able to negotiate the amount to {$160.00} and was prepared to pay the balance to get the late payments removed from my credit report. Unfriendly and unprofessional assistance. Refused to remove charges and refused to provide receipt for payment. Advised I would have to call back and go through the entire process again to request a copy of the receipt in 72 hours. This is a ludicrous way to conduct business and after the rep updated my mailing address, a supervisor advised they had not had any returned mail. Again, ludicrous. I am disputing all charges above and beyond the {$40.00} charge. Would you please assist in getting this resolved? I appreciate your help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PS I received a bill from JPMC on XX/XX/21 for an even higher amount.
Consumer complaint received 2021-11-03
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. (NJ)

I have informed Equifax via the CFPB on XX/XX/XXXX, XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, ( FTC Report, Police Report, etc. ) yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by Equifax Consumer Dispute Center on XX/XX/XXXX, which is proof that Equifax has received my dispute and that I do Not agree with the response from Equifax via the CFPB. 

The fraudulent accounts and the mixed or merged personal information on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time Equifax has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX Equifax has not provided me procedurally proper validation of the debt ( s ) or personal information. A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). 

I have been and continue to be 100 % willing to work with the credit agencies and authorities to resolve this matter as soon as possible.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

I filed a dispute with cashapp ( square Inc. ) On XX/XX/XXXX for several unauthorized transactions on my cashapp account totalling {$2200.00}. There were 2 merchants XXXX and XXXX XXXX XXXX. The transactions occurred from XX/XX/XXXX thru XX/XX/XXXX. I was told when I filed the dispute I would receive an update within 10 business days however I still have not received anything at all and when I go to the chat help in the app they are no help at all. They only repeat " the dispute was sent to the correct department. '' I have asked for a phone number or email or to speak with someone else that can help me but they say they don't have anymore info and to watch my email. I truly don't know what else to do. I am repeatedly ignored and my questions are never answered. There have been a couple of times when the rep has disconnected in the middle of speaking to them after waiting 2 hours or more for for someone to respond. Any help you can offer would be greatly appreciated. Thank you
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (CA)

On XX/XX/2021, I received an email from my bank, LendingClub, informing me that my account was locked pending further review. After calling customer service, I was told that the account was locked due to ACH transfers between accounts with different owners. Specifically, ACH transfers between my mom 's XXXX XXXX XXXX Account and my account at LendingClub.

In order to unlock my account, I was informed by LendingClub that I needed to add my mom 's name to my Lending Club account. I and my mother agreed. On XX/XX/2021, both my mother, and I received docusign emails which added my mom 's name to my LendingClub account. All documents were signed and returned to LendingClub on XX/XX/2021. 

On the same day the documents were signed, XX/XX/2021, I sent an email to LendingClub asking for a status. No response was received. I sent several follow up emails, but still no response was received. On XX/XX/2021, I called customer service to get a status update. I was told that my account was still under review. I was further told there was nothing more needed from me, and the matter would be elevated to " urgent ''. 

I subsequently called LendingClub every single weekday, including today, to get a status. Each time, I was told there is no new status, that the matter will be elevated to " urgent ', and that I would contacted shortly. To date, nobody has contacted me, which is why I continue to call daily. 

At this point, LendingClub has had my account locked for almost a month without any explanation. There is a relatively sizable sum deposited in my LendingClub account. Locking me out of my account as resulted in some serious financial consequences to me and my family. Unless this is resolved very quickly, my family may suffer irreparable damage.
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to XXXX, Experian and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Consumer complaint received 2021-11-02
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

debt was started with XXXX in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with portfolio recovery in XXXX, I stated debt was old and uncollectable however portfolio agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and portfolio is not listed but I still get harassing phone calls.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I noticed a debt on my credit report back in XXXX for services back in XX/XX/2021 from a debt collection agency Wakefield in Associates I sent them a validation letter one XX/XX/2021 and they sent me a blank letter back I called them and they can not give me any information about this debt but a balance owed I have tried to dispute this three times with the credit bureau agencies or three and have gotten nowhere with this company
Consumer complaint received 2021-11-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (MN)

In XXXX I made payment arrangements with American Education Services, after the last payment I received a new statement saying the debt was not paid as per our agreement, and I owed more than when I made the arrangements. All of my student loans are on deferment, and have been since XXXX. I just received a new letter attempting to collect this debt, even though I received notification that all of my student loans are suspended until XX/XX/XXXX.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my XXXX XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received My paid off statement in the amount of over one million That does not even include the forbearance amount of {$60000.00} I am requesting the pay-off amount be lowered to the original amount of the note that I signed in XX/XX/XXXX. As you are fully aware this was one of those negative amortization loans that will never be paid off. I have paid my monthly mortgage like clockwork regardless of my hardship during the recession for over 10 years. I have my payment history to supply verification of this fact. My loan was paid on time when I was with XXXX XXXX, regardless of the federal and state lending violations by XXXX XXXX, including unfair business practices and time wasted on bad faith loan modification offers that never materialized. As a result, I filed a lawsuit against XXXX in XXXX of XXXX.Unfortunately, I had to name Select Portfolio Services in the lawsuit. I am providing you with a copy of that lawsuit that was settled with your attorney XXXX prior to going to trial. I am providing you with a copy of all the documentation for your review that clearly authenticates all of the unfair business practices, misrepresentations, refusing to accept payments without any reasonable explanation, fraudulent concealment, violation of the Fair Credit Reporting Act and negligence by XXXX XXXX for the past 10 to 12 years. I have all my copies
Consumer complaint received 2021-11-03
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: WELLS FARGO & COMPANY (NJ)

Dear CFPB, I am reaching out to you, the U.S. government agency that makes sure banks, lenders, and other financial companies treat consumers fairly, after communicating with Wells Fargo Bank N.A. ( Wells Fargo ) as instructed and required under Regulation Z did not resolve the issues.

In regards to 12 CFR Part 1026, Truth in Lending ( Regulation Z ) : Part 1026, Section 1026.12 ( c ) Special Credit Card Provisions [ Section 1026.12 ( c ) ], Wells Fargo is in non-compliance by not fulfilling its obligations under such regulations. Further, based on Wells Fargo 's response, it appears that I was not treated fairly. With your assistance, I am seeking a satisfactory resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NH)

My American Express full statement payment of XXXX was due on XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. Amex charged me an interest of XXXX for this XXXX day late payment, which is 14,132.5 % in yearly interest. When contacting Amex today, I was told that this is standard practice. 
I think that this practice is outrageous and should be terminated.
Consumer complaint received 2021-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I took out this loan in XX/XX/XXXX. I made my first payment in XXXX for XXXX. My payments are not being applied to my monthly payments correctly. Every month I have to call to have it corrected. They said I'm paying too early and that I have to wait til my payment date. I explained I am paying the month prior to keep my household bills separate from this loan. I am due for XX/XX/XXXX and I log in and now my payment history says posted and then failed and my account is showing due for XX/XX/XXXX which is still not correct. I feel like I'm doing everything on my end to be a responsible party and this company is doing some shady stuff with my account that is going to cause issues down the line with my account or credit. I've contacted them 3 times about the same issue and it seems it doesn't matter when I make the payment it's always something.
Consumer complaint received 2021-11-02
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: Bread Financial Holdings, Inc. (TX)

This Account is not mine I have contacted the company and I have been effected by this account and it's damaging my health and the ability to use my credit. This need 's to be removed from our credit report!