davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (WA)

To whom it may concern, A few days ago I received my American Express monthly bill. The interest rate jumped from 8.49 % to 14.49 % a total of 6 % percentage points.

When I called to see why my rate had been increased the answer was that it was being standardized to current rates. Meantime, I have had this credit card over 32 years an in that time I have only had one or two late payments, which were over 2- 3 years ago. 

When called to make a complaint the agent was someone from XXXX and was just reading off whatever they have instructed him to do. Finally I asked to have me transferred to someone else that could actually help. The second customer service person almost repeated verbatim a similar story and since he could not help I was transferred to a third customer service agent - a person that deals with escalation calls. He was XXXX # XXXX in XXXX XXXX. 
He told me that American Express can do what ever they want to better align their rates in the market place. That is was all legal based on FDIC regulations. 

It seems there is no consideration for longevity with a customer or even good credit practices. I will probably discontinue using this card and just pay off my balance with the 8.49 % rate. XXXX # XXXX in XXXX XXXX told me during the conversation that his own interest rate was raised recently to 15.49 %. He didn't seem to be bothered by this change due to his job with American Express, or at least that is what he said during the phone call. He said that the rates were more aligned with current rates. 
He said he had been employed by Amex for over 30 years. It may be the same time period he had his credit card account.

This leads me to believe that they have raised rates on a lot of their long time customers and I'm sure many they are not very happy with this change. They may feel the same way I did that our long standing business with American Express really does not have any weight. Greed has the utmost importance at this point. 

XXXX mentioned that I had received a letter from American Express with a 30 days notice letting me know of the changes. I was traveling so I didn't see the letter until the same time I received the billing for the month with the change to 14.49 %. I don't think 30 days notice is enough time for anyone to find alternatives if they decide to work on balance transfers or to just come up with a final payment to close out an account. 

I would like to know if there is any other recourse that I or other could take who have been affected by this adverse changes in rates by American Express. 

Look forward to hearing from someone in the CFPB. 

Thank you, XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-08-14
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Likewise, Data provided for sharing purposes must meet legal, regulatory and voluntary code of practice requirements before provision and in use. Subscribers must use data only for purposes for which the required form of consent has been given. Please remove this account from my credit report. 

COMPLAINT 1 On XX/XX/XXXX, the sale of the property located at XXXX XXXX XXXX was executed and paid in full. On XX/XX/XXXX, my account was reported to all three-credit bureaus as 30 days delinquent. I am disputing this information and requesting this account be removed from all three credit reports due to the multiple reporting errors identified in this complaint. 

COMPLAINT 2 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to Equifax on time payments for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

COMPLAINT 3 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to Equifax on time payments for the following month : XX/XX/XXXX. 

COMPLAINT 4 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to XXXX on time payments for the following month : XX/XX/XXXX. 

I have attached sufficient evidence to support the disputed claim. 

1. Copy of Consumer Credit dispute 2. Payoff Quote through XXXX XX/XX/XXXX XXXX. Proof of Wire Transfer Respectfully, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (CA)

Hello, On XX/XX/XXXX, I made a transfer of {$1900.00} to a personal account in my name in XXXX. This amount did not arrive in my account, nor was it refunded to my originating account. Sendwave 's customer service has been terrible regarding this issue, and they are telling me that there was a technical error with the transfer, but so far they have not refunded the amount to my account. Through exchanges, they have already confirmed that the amount is with them and that indeed there was an error at the time of the transfer. They are holding my {$1900.00} and are not giving me any updates on the refund. There is a transfer receipt, but the money was not delivered to my account and they are aware of this.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Back when Loan Servicers were allowed to refund loan payments back to students ( due to Biden 's loan forgiveness plan that fell through recently ) I had requested to refund {$8200.00} from ED Financial. About 1 year later I received a check of this amount in the mail. On my way to the bank to cash the check, it flew out of my window on the freeway. 

I then called to make them aware of this to get a new check issued. After many phone calls over many months I finally reached the right person and they were able to issue this request last XXXX in 2023. 

Since then, I have called around 7 times and every single time they tell me they have no idea what the timeline will look like. It has been over 4 months and they have done nothing for me or given me ANY additional information.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX Account : XXXX XXXXXXXX Account Name : XXXX  Account : XXXX XXXXXXXX Account Name : XXXX XXXX  Account : XXXX XXXXXXXX Account Name : XXXX Account : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX Account Name : XXXX  Account : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX Account Name : XXXX XXXX  : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX I deposited my husbands IRS refund check to an account I opened. Before opening my account I asked if I was able to make that deposit and they said yes just that my husband had to endorse it to me, which he did. The deposit was successful just that it was going to be on hold for a couple of days like with any other bank. Just for my surprise that a couple days later I got an email stating my account was restricted due to fraud and then closed a bit after because they werent able to verify my husband with his phone number. Everytime I would call to the fraud department they would tell me to do different things, which I did all but still was helpless because at the end they said the only thing for funds to be released is for him to be verified with his number. We tried everything. We even separated his line from my account and now the bills and account are under his name but according to chase fraud department, his name doesnt appear. We did file a claim with the IRS, because thats one thing they had told us to do but IRS replied that the check was cashed and the bank did not want to return the money. Weve been going through a financial harm due to that money being withheld, all I need for Chase is to accept the 2 types of ID and phone bill from my husband so he can identify his self.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in the reporting, including incorrect amounts and dates.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (PA)

I, C SYSTEMS Collection agency did not report any payment and still has all old information in all of my scores are different across the board every credit report company. Want me to pay to have Inconsistencies fixed {$200.00}.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONAL DEBT RELIEF LLC (OH)

A phone number that comes up as XXXX XXXX XXXX has contacted me usually twice a day making 15 times in the last 5 days. Its a debt I plan on taking care of when I can but the last straw was today XX/XX/2024 at XXXX I received three calls at the same time and that is harassment.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I originally had a loan thru XXXX XXXX, It was transferred to Loanme recently. I was not aware, there was no transfer letter send. a totally violation. then I took the imitative to do the right thing. called to make a payment, spoke to XXXX who took my payment.. the calls are recorded or monitored. my payment is XXXX so I gave authorization. that took place on the XXXX of XXXX. so on the XXXX of XXXX I checked my account and found out XXXX was deducted from my account without my approval.. I called back on the XXXX. and XXXX gave me attitude and told me there was a late fee added. keep in mind a late fee was added because I was not aware the loan was transferred. he told me he forgot. this is clearly a violation. if I was told that XXXX was going to be charged and that's what i authorized, Loanme took it upon themselves to add additional fees without my consent.. clearly this is a voilation. Loanme as i understand it was banned from issuing loans in california. as of today nobody called me. I am requesting a full investigation into loan me to stop the unfair practice. Please request the conversation that is recorded and verify what I am saying. Loanme is the biggest scam artist in california. Please stop them from doing this to others. thank you... 
my Loan ID is # XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX XXXX XXXX XXXX I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXXXXXX Never Applied for Credit XXXX XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

My XXXX XXXX credit card ( Commenity Bank ) is charging me for a paper statement fee. In XXXX XXXX it is illegal to charge a paper statement fee. Also, because i have set up auto pay through my bank, the paper statement fee was not paid so Commenity Bank charged me a {$30.00} late fee and XXXX % interest on top of that. 

I've called Commenity Bank and tried to inform them of the law but the XXXX i spoke with told me it's not his problem, Commenity Bank charges this fee across the board.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

XX/XX/year> I was scammed for {$19000.00}. I reached out to cashapp on the phone only to find later that this indeed was not cashapp. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses bitcoin account through cashapp. Cashapp is a financial institution and based on the GLBA is responsible for assessing risk and ensure data is not compromised not to exclude high risk technology like the one used to access my data. I never shared any information other than my name and phone number. From then on, I was asked for a series of codes. Cashapp allowed money in large amounts to be moved from my account despite its sending inactivity for days and despite its abnormal amount. Cashapp also does have a number listed online but does not detail that this is their only one true number and many consumers probably have been duped by this other number. Cashapp has been slow in responding and has exceeded the legal amount of time based on Regulation E to give me a provisional credit. I have explained to them that I did not have access to my cashapp and shared with the numbers I called so they can do their own investigation. I have made an IC3 report with the FBI as well. I need my money. Obtaining a lawyer would be costly for both me and the company and Im hoping to resolve the issue soon without any major intervention.