davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

My credit card payment due date was XX/XX/XXXX. They state the cutoff time is XXXX on the due date. My payment was made well in advance of the cutoff date. Today, XX/XX/XXXX at approximately XXXX I received an email that my payment was late. I logged into my account and have been charged a late fee. The payment was not late and the late fee is not valid. They need to be investigated for consumer fraud.
Consumer complaint received 2024-09-19
Product: Credit 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: JPMORGAN CHASE & CO. (IL)

The card in question is my XXXX XXXX XXXX XXXX card. 
In XXXX of this year, I was charged {$94.00} that were not my charges. I contacted Chase and they recognized that the charges were indeed fraudulent. So, they deleted those charges, and it seemed at the time the issue was resolved. 
The problem begins when my XXXX statement included those fraudulent charges again. 
I called the consumer services department, and they transferred me to their fraud department, I explained the situation and they acknowledged those fraudulent charges. 
In fact, they advised me that they collected those fraudulent charges from the vendor. 
After several days and " several '' more calls those charges were still on my account. I called multiple times more to no avail. Now those fraudulent charges are on my XXXX account again. Not only on my account but they are now charging me interest on those fraudulent charges. 
HELP!
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested a revised letter from CapitalOne Venture card to reflect that pursuant to a dispute I filed, I needed the letter to reflect that I submitted the requested documentation regarding a merchant complaint against XXXXXXXX XXXX by XXXX XXXX XXXX. **I am not disputing the outcome. I am asking that the close-out letter correctly state that per CapitalOne 's instructions, I uploaded the necessary documentation. Additionally, the merchant ultimately refunded money to my card, which also needs to be reflected in the revised letter. As it stands now, the letter on file gives the appearance that I failed to follow up on the complaint, which is inaccurate.
Consumer complaint received 2024-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

Purchased AMEX eGift card directly from AMEX on XX/XX/XXXX XXXX in the amount of {$750.00}. In my many attempts to use the card, transactions have been declined at XXXX, XXXX, XXXX ( my regional trash collection company ), and XXXX XXXX, all via online transactions at their respective web site payment portals. I have called the phone number provided on the AMEX XXXX XXXX ( XXXX ) several times, but found it to be 100 % automated, with no ability whatsoever to access a human, and none of the automated decision tree options are relevant. Note : their automated system does provide a blanket statement to all callers that ( paraphrased here ) 'due to fraud issues, online transactions are often rejected, and that the solution is the cardholder USE THE CARD ELSEWHERE ... '', which is an absurd " solution '' for a card that is advertised as " Your American Express XXXXGift Card may be used at US merchants that accept American Express Cards '' ( printed on the actual eGift Card, and plastered on the website where the card was originally purchased ). I don't want to use it " elsewhere, '' I want to use it at the place ( that does indeed accept AMEX ) I was tryinig to use it at. Further, while I was successful in using this now semi-useless eGift card at a few generic retailers ( XXXX, for ~ {$25.00}, and a local city recreation department class signup for ~ {$22.00} ), I have not been able to retrieve my card balance or view transactions on the AMEX " balance '' website at XXXX : XXXX. I have tried to use this site at least a dozen times in the past 2 weeks, with the results always being several error messages -- one red error message at the top of the page reading " The system has experienced an unknown error. Please try again later. '' and an inline error under the " Transactions '' section of the page that reads " Error Retrieving Transactions. '' And additionally, under " Available Balance, '' the line is blank. At this point, the card is nearly useless as I can not use it for the intended purchase of paying several bills -- since my attempts have all been declined. It's frankly, embarrassing, that a company with the long-standing business reputation of being 'best in class ' would offer such a fundamentally broken product to its " valued '' customers.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Was pre approved, applied for XXXX XXXX XXXX XX/XX/year> Capital One requested identity verification XX/XX/year> Uploaded Valid Driver 's License, Social Security Card XX/XX/year> Approved for a XXXX XXXX XXXX with a {$500.00} limit on XX/XX/year> Capital One placed card on hold requested verification again XX/XX/year> Uploaded Valid Driver 's License, Social Security Card & Bank Statements XX/XX/year> Uploaded cell phone bill XX/XX/year> Uploaded water bill XX/XX/year> I requested to close account on XX/XX/year> because Capital One refused to accept the multitude of documents that they requested and that I provided to prove my identity and address even though every last document had my name AND residential address on it. 
Capital One did not have a valid reason to delay the processing of my application and is in violation of the ECOA based on racial discrimination.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I accidentally mobile deposit my cashiers check which was from my saving acc twice with Wells Fargo and XXXX XXXX for {$1500.00} XXXX deposit with Wells Fargo XXXX XXXX XXXX Funds received and used 2nd deposit with TD bank XXXX XXXX XXXX Funds were returned charge back XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX Wells Fargo withdrawal {$1500.00} from my business acc ends in XXXX funds were never credited back to my account All claims were denied with Wells Fargo Wells Fargo Perform acts of unfair practice As well as fraudulent acts
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi CFPB : I received an email from XXXX XXXX today letting me know there was a hard pull on my credit report. I entered my XXXX XXXX account and found that XXXX ( Bank ) did a hard pull on my credit on XX/XX/XXXX. I did not apply for credit from XXXX Bank and have not held a XXXX credit card since XXXX. My credit report states my XXXX account was closed on XX/XX/XXXX, with no outstanding balance due. I believe it is unlawful for XXXX Bank to conduct a hard pull on my account and I would like for CFPB to advocate and recoup money on my behalf for XXXX 's violation of the law. Thank you for your attention to this matter. 

THANK YOU for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXXXXXX, XXXX {$740.00} XXXX, XXXX XXXX {$1000.00} XXXX, XXXX XXXXXXXX {$550.00} XXXX, XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$3200.00} XXXX, XXXX {$1700.00} XXXX, XXXX XXXXXXXX {$670.00}
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (LA)

In XX/XX/XXXX, I spoke to my loan servicer ( EdFinancial ), via phone, regarding loan consolidation and bankruptcy status as my repayment date was set for XX/XX/XXXX. I was told that even if I consolidated my loans, I had 2 years of " protected time '' or grace period after bankruptcy. On Saturday, XX/XX/XXXX, I received a notification that I owed {$980.00} that same day! I sent a message asking why that would be. On Monday morning my account status changed to say I owed {$1200.00} on XX/XX/XXXX. There was no mention of why this would be and no mention of why the repayment date on studentaid.gov still said XX/XX/XXXX. I called and was told they would get back to me with a reason. Today, XX/XX/XXXX, I was told that it was because I lost my bankruptcy grace period when I consolidated my loans. Also, I was later told that it was because I took out loans while in bankruptcy ( which is inaccurate ). However, none of this was stated to me in my initial conversation with EdFinancial in which I was actually told the opposite - that the grace period after bankruptcy was " protected time '' regardless of consolidation ( no mention of anything else at that time ). I completely understand that I have to pay back my student loans. The studentaid.gov site still lists my repayment date as XX/XX/XXXX. I am concerned that my payment date changed without the lender being able to give a reason. I'm also concerned that the original payment due was {$980.00}, then a few days later changed to {$1200.00} then a few days after that changed to {$500.00}. If I am entitled to a grace period, I want to have it. If I am not entitled to a grace period, I want to know why and if it was because I consolidated my loans, I would like to find out how I could have known that and how I ( and others ) could have avoided giving up important " protected time '' without knowing I was doing so. I would also like to know why the payment amount was changed three times in one week and confirmation that the payment due is the correct amount and will not change again without reason.
Consumer complaint received 2024-08-07
Product: Credit 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: SYNCHRONY FINANCIAL (AL)

Care Credit changed my card to a XXXX XXXX  and ever since then I have had to call in with each transaction to get my promotion of so many months same as cash. Merchants can not seem to do this from their side any more. I called into care credit and their XXXX  have messed up my account, some things have been charged XXXX  and some payments have been retracted from merchants that were previously paid. My over all balance remains incorrect and there is XXXX charge that is on there XXXX and shouldnt be. I disputed charges electronically and they show resolved but are not resolved and no explanation has been sent. I also submitted disputes via fax and have received no response. Ive tried calling and that only makes things worse and I can not get transferred to anyone that can help me. Its seems to be an over seas call center that does not understand how the promotion process or card works. I have had this account XXXX years and NEVER had an issue until I got this XXXX  XXXX version with a chip from Care Credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I am writing to dispute the reporting of my XXXX XXXX bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

It is very concerning to me that since on or around XX/XX/year>, I have been unable to withdraw any fund from my Online Savings account with Marcus by Goldman Sachs. While I was able to make a deposit to the account via an XXXX  transfer, I have not been able to make any withdrawal. 

I have contacted the bank for several times and spent hours speaking to a number of representatives, including long wait time when placed on hold, in the past XXXX days or so ( even since I noticed the issue ). However, none of the representatives I spoke to was able to provide any clear or meaningful explanation on what has happened. Nor could they identify any cause of the issue. Needless to say how to fix the issue. I tried to have the bank representative help make a transfer over the phone in a small amount, but even that attempt was not successful. It simply went nowhere and no one seems to have a clue about why that happened. 

Marcus by Goldman Sachs has failed to provide professional banking service. As a client, I deserve to know what happened and how they are going to fix the problem.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (CA)

Halsted Financial has been reported as a scam by numerous people. I do not have any XXXX accounts and never have, yet I am being contacted by Halsted Financial 's official text line ( XXXX ) and told that my nonexistent account is now being placed with Halsted. It makes no sense. 

I've never previously been in contact with Halsted Financial nor have I ever consented to giving my contact information to them... let alone being contacted by them.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (LA)

I began my first modification on my home XX/XX/XXXX, a lengthy process that resulted in my mortgage going from {$2200.00} to {$1100.00}. In XX/XX/XXXX, I missed my payment by a week and tried to double my payment in XX/XX/XXXX and was told no and that my entire modification had to start over. Also was informed that the balance that accumulated from the first modification would be apart of XXXX modification. From XXXX XXXX XXXX, was the time frame of XXXX modification causing total balance to grow to XXXX. During the modification process forms were submitted in the beginning and in the months in between were frequent calls from PHH of appointment setting and appointment reminders, which I believe just stalls for the company to grow balance owed from me. In XX/XX/XXXX, I called PHH to see how they would accept XX/XX/XXXX payment and was informed my home was in ACTIVE FORECLOSURE because forms I submitted was missing my middle initial. PHH failed to notify that I needed to resubmit documents. I had XXXX weeks to sign their idea of a modification were my mortgage stayed the same, despite me providing proof of pay cut, but the accumulated balance that only accumulated, because of their unnecessarily lengthy modification process, was put the the back of my loan giving me a " clean slate. '' I signed documents agreeing because I didn't want to lose my home knowing that I didn't receive a fair modification. My mortgage staying the same would ultimately put me in the same position again being that I have a pay cut. Upon entering my " new '' agreement I requested an investigation be opened on why my mortgage didnt go down. The agent on the phone " mistakenly '' mentioned my new mortgage was then {$610.00}, and I had her repeat 3x. When questioned about the {$2200.00} mortgage she then admitted she was " looking at the wrong account. '' She had to verify she was speaking to me when we first started the call. She then admitted her " mistake '' and that my mortgage would be {$2200.00} and that she would request research team to investigate my modification. Today, XX/XX/XXXX, I called to see why new mortgage wasnt updating received no help from representatives. I was told I only had to pay {$1100.00} this month but next month would be {$2100.00} with still no word from research team. ( I requested research team to start investigating on XX/XX/XXXX. ) I am never able to speak to a supervisor about my account, a supervisor is conveniently never available. The file that will be up loaded is the dismissal of foreclosure notice. I have no other documents because PHH havent provided me with any. I have nothing in writing of the process they just put me through but i have requested something from their department I have yet to receive. Hoping that the letter I upon is some proof of the pressure I was put under to sign a modification agreement that didnt serve me.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

recently reviewed my credit report and noticed an accounts that was not reporting accurately. i had one late payments on Two separate account With ( XXXX XXXX XXXX  ) I know in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. these accounts has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) XXXX XXXX Account XXXX XXXX ( XX/XX/year> ) XXXX Account number XXXX I'm now requesting you to investigate these account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-07
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ONLINE Information Services, Inc. (DE)

On or around XX/XX/year> I received an email about a collection being added to my credit report. Ive reached out to the company that was shown on the collection but was not responded to in NO REGARD. 

I HAVE NO KNOWLEDGE OF THIS COLLECTION OR ACCOUNT. 

As per the guidance from the Consumer Financial Protection sure a ( GIF document needed and a letter from an advocacy group helping XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days due to the pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of debt XXXX  of XXXX XXXX and would like for all listed collections from this company/consumer be blocked and deleted.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brennan & Clark, Ltd., LLC (HI)

I spoke with XXXX XXXX this morning regarding a phone call I had received from him yeaterday. I asked him what I was supposed to owe to XXXX as I closed out my account with them and had not received an invoice. He said that I owed them {$600.00} and now an extra {$200.00} since I had not paid the {$600.00}. I explained I had forgotten to close this account and then had automatically taken money from my account though we had not used any services. The most I could possibly owe them was $ 50 monthly fee for one month. I requested to see the invoice and he told me I could not. 

The name of the company is The offices of XXXX XXXX