davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

For the billing period from XX/XX/XXXX to XX/XX/XXXX balance {$1900.00} I paid in full on the due date, XX/XX/XXXX. I still got charged an interest of {$23.00}. 
Called Chase customer service on XX/XX/XXXX, when asked why did I get charged interest when I paid in full, I got referred to 2 people who kept on referring back to statements from XXXX XXXX which have been paid off. They also kept saying that I am owing around {$2000.00} which was not reflected in my original statement that was due on XX/XX/XXXX. These customer representatives could not provide me with where the residual interest came from when I paid in full for last billing cycle and billing cycle billed on XX/XX/XXXX. 

At the back of my credit card statement " If you pay your account in full each billing period by the date and time due, no interest is charged on purchases month to month. '' This is what I did. I paid in full on the due date. Why would I be charged residual interest?
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

Someone open up an XXXX XXXX account in my name with different addresses called XXXX to talk too some too verify info not matching up what in on file gave them info and didnt match up XXXX days and they removed credence collection in 2023 XXXX sunrise collection has the account called them to verify no one would go over any info with me all they wanted was payment so I called XXXX back they that they have colosed the account because info was verified that someone had open up account fraud email me a letter showing that it was XXXX out it is on my XXXX file sent them all info that I had XXXX days and still they said it belongs too me
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)

According to the FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft credit bureaus must block all fraudulent accounts that have been created through identity theft. 

Below Are the accounts and inquiries on my credit file that are fraudulent in nature and created through identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumer Financial Protection Bureau XXXX CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX CC : UNITED STATES XXXXONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MN)

Debt was sold to a 3rd Party company, Midland Credit Acceptance - debt was paid and still reflecting as a charge off looking as though a balance is still owed company never informed me I could dispute the charges so I ended up paying and no attempts had been made to remove this from my credit report instead it looks like a charge off and no balance have been paid.
Consumer complaint received 2024-07-26
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 (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (CA)

there was a discrepancy in the mortgage interest rate promised to us by Wells Fargo. On XX/XX/XXXX, we were assured by Wells Fargo representative that we would receive an interest rate of 4.625 % for my XXXX mortgage, and we paid the required rate lock fee to secure the rate. However, Wells Fargo failed to honor this promise, so we were forced to secure a loan with a different lender at an interest rate of 5.625 %. 
As we decided to purchase a different property, we double-checked with the lender that the rate stayed intact, and on XX/XX/XXXX, the lender promised us : " Our current policy allows transferring your XXXX XXXX XXXX XXXX to a new loan application when you purchase another new construction home. '' Despite this assurance, on XX/XX/XXXX, the lender retracted the promise, stating : " I have escalated requesting further clarity, but Wells Fargos XXXX policy is applicable to the property address on which the lock was entered into. At this time, we are not able to transfer extended locks when there is a change in address. '' The difference in these rates results in a substantial financial burden over the life of the mortgage, totaling an additional {$200000.00} ( for the {$940000.00} mortgage ).
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX and XX/XX/XXXX I took two negotiable instruments to Truist Bank to be processed and credited to our business account. They reviewed my documents beforehand and told me how the documents were to be handled through their domestic collections department then provided a receipt stating that the credits would be applied to our account in two weeks. The instruments are payments for invoices for services we have provided for a client that is a Trust. The negotiable instruments are to be treated as a money order and should have cleared as certified funds. It has been several weeks, and the credits have not been applied to our account, furthermore the legal team or any management has not communicated to me the status of the instruments and has not answered my questions about the location of my documents which is valid legal paper. Truist is in non-compliance as they have mishandled my documents and have not successfully fulfilled their duties as a transfer agent, Truist has fiduciary duty to process any instruments they accept in a timely manner. My instruments are legal paper that were to be paid at sight. I have contacted the issuer as well as the treasury who have stated that Truist has not attempted to process and collect the funds. It is completely unacceptable and unprofessional for them to simply ignore all communication from me. Truist is in violation of the XXXX XXXX  on XXXX XXXX XXXX XXXX and International Promissory Notes of XXXX, in particular Articles XXXX, XXXX, XXXX, XXXX and XXXX. Truist is also in violation of The Bill of Exchange Act of XXXX which stipulates how Bills of Exchanges and Negotiable instruments are to be treated. The branch managers nor Assistant Attorney of Truist has responded to my voice messages or emails.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Services, Inc. (OK, TX) (OK)

Female from ACS called and accused me of committing insurance fraud for waiting and eventually cashing a check my insurance company sent me that after the fact we found out should've been sent to the doctor. It was addressed to us and was verified by the bank at the time of deposit. 

This same vendor is now trying to get us to pay a bill that we already paid by threatening to report it to credit bureaus.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX. This concerns the closing of a Business Checking Account at Chase Bank. The account number was # XXXX under the name XXXX XXXX XXXX XXXX, XXXX # XXXX. 
XXXX. On or about XX/XX/year>, I called Chase for assistance in closing the account. The reason is that the business is no longer active. There was a small amount of funds in the account ( {$25.00} ), which I requested be transferred to my personal acct. at Chase. The Chase representative advised that the funds could not be transferred and they would have to issue a check for these funds. 
XXXX. In fact, I did receive a Chase cashier 's check for {$25.00} made payable to XXXX XXXX XXXX XXXX. However, when I took the Chase cashier 's check to a local Chase branch to cash or for deposit into my personal account, the branch advised that it could not cash or deposit the check because XXXX XXXX XXXX XXXX did not have an acct. at Chase. The Chase XXXX advised me to call the Chase Business dept. to reissue the Cashier 's check in my personal name. 
XXXX. On XX/XX/XXXX, I spoke by telephone with XXXX individuals at Chase on this issue ( over a 45 minute period of time ), the last such person by the name of " XXXX ''. I was advised that the matter needed to be " escalated '' but that I would hear from someone within 1-2 business days. 
XXXX. No Chase follow-up occurred. So I followed up with Chase on XX/XX/XXXX. I spoke with someone named " XXXX '', who transferred me to someone name " XXXX '' who in turn transferred me to someone name " XXXX ''. 
XXXX. XXXX advised that it could not re-issue the check. The only solution was to go back to a Chase branch, re-open an account in the name of XXXX XXXX XXXX XXXX, negotiate the check, and then close the account. However, XXXX XXXX XXXX is no longer active. XXXX then " apologized '' but advised there is no solution at Chase and ended the call. 
XXXX. This is a very, very, very small matter ( {$25.00} ). But it is also a problem of Chase 's creation where ( a ) they issue a check rather than transfer the funds to my personal account as requested and ( b ) now decline to honor the cashier 's check which they issued. This seems to be extreme bad faith on the part of Chase Bank. 

Can you assist? Thank you.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

The information is incorrect and i demand the incorrect information to be removed I have that right to have correct information in my file. 

XXXX XXXX fabricated everything on XXXX XXXX XXXX documents and the ledgers was altered
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (AL)

Multiple finance companies pulled my credit repeatedly over a 30 day period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WSFS FINANCIAL CORPORATION (PA)

I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capitol One allowed {$43000.00} to be taken out of our checking account via ACH withdrawal. We tried to have it reversed within 15 hrs that it happened but got nothing and they will not give me a reason as to why the reversal was not accepted. We have had to file rebuttals which keeps dragging it out but all with no answers. They just keep refiling it dragging it out and giving us the runaround.
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Late 120 Days : Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number : XXXX : Balance : {$340.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
Product: Credit 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: Prosper Marketplace, Inc. (GA)

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a XXXX  XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 
Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I use Chase for merchant services for my business, XXXX XXXX, XXXX, merchant ID # XXXX and Checking Account # XXXX ). I have two transactions from customers in which I have not been paid by Chase : XX/XX/XXXX : XXXX XXXX  Ending in XXXX for {$1400.00} XX/XX/XXXX : Chase Vise Card Ending in XXXX for {$870.00} Chase is not remitting payment to me because there is a legal hold placed on my account. There was a court ruling against a company with a similar name of XXXX XXXX, XXXX ( not XXXX XXXX, XXXX ) out of California ( completely unrelated to me and my company in Ohio ) and a law firm by the name of XXXX and XXXX sent a letter to Chase to freeze proceeds for the XXXX XXXX XXXX XXXX account. Again, this company is completely unrelated to me. I have spoke with attorney XXXX XXXX at the firm ( XXXX ) and he said the letter they sent to Chase clearly stated the correct business name ( XXXX XXXX XXXX XXXX ) and owner name ( XXXX XXXX XXXX ) and Chase must have accidentally froze my account instead of the correct one for XXXX XXXX XXXX XXXX. 

I have reached out to Chase on XX/XX/XXXX and XX/XX/XXXX with no success in getting my money nor does there seem to be any progress being made to resolve the situation. My Chase case number is # XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NC)

i am unaware of this debt your company is reporting on my consumer report XXXX dint have the opportunity to dispute this information, if in fact you believe your company gave me proper notification please send me the certify request with my name and signature that stated that I have received this communication. 

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$1700.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Since XX/XX/year>, I've asked XXXX and Experian to remove XXXX XXXX XXXX ( XXXX ) collection claim from my credit report. They refused. I have no relationship with XXXX. XXXX purchased debt from XXXX XXXX. I had car insurance with XXXX XXXX XXXX and changed car insurance companies. I paid my policy in full before changing companies. I asked XXXX to remove the XXXX ' collection claim, and they complied. XXXX and Experian refused but they have offered to help me increase my credit score and do credit monitoring if I become a paid member of their service. I believe this is a conflict of interest on their part. Experian has consistently reported my credit score XXXX points lower than XXXX and XXXX to potential creditors on my inquiries because of this " collection ''.