davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I used XXXX to pay for some yoga classes, not aware that there are cash advance fees charged by Chase Bank credit cards. I can see in the XXXX app now that cash advance fees will be charged but this was not clearly spelled out when I added my XXXX XXXX credit card to the app XXXXwo weeks ago. The cash advance fee is {$10.00} per transaction so I was charged {$10.00} for each time I used XXXX to pay for a {$15.00} yoga class. I was not aware of the fees until I got my credit card statement. I was able to get XXXX fee credited but not the other from last week or the one I will be charged for todays class. A cash advance fee that is a percentage of the charge would be acceptable but a flat {$10.00} fee for all charges no matter how small is unacceptable. At a minimum, Chase should alert you to these fees when you use a payment app that links to one of their credit cards. They should also implement a much more reasonable cash advance fee. 

Account # XXXX.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XXXX the XXXX I spoke with an agent at Capital One for XXXX minutes trying to find out exactly what to do in order to have myself added as POA on my fathers account. He was a great help and that same day I faxed ALL the required information in, including my XXXX page legally executed Durable POA document. On XX/XX/XXXX, they mailed a letter stating my request was denied with no reasons given on the letter. Today ( XX/XX/XXXX ) I spent XXXX minutes on the phone with a XXXX and then her manager and both did nothing by read me exactly what I had already read on their website. They both advised to just sent ALL documents again and wait to hear from them. I am requesting to be added due to my fathers recent XXXX  XXXX diagnosis and being place on XXXX XXXX XXXX XXXX XXXX. He has two accounts with Capital One with XXXX balance and I just wanted them closed. Sounds like elder abuse to him by having the accounts remain open and possibly incur fees by putting up roadblocks to closing the accounts. I have sent the same XXXX page XXXX document to numerous other insurance, credit card, utility and creditors on behalf of my father and ALL have been happy to help in this difficult time. Assuming Capital One feels they are special given their size and ability to help citizens of our country dig themselves into a mountain of debt with ridiculous interest rates.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

After filing a complaint through you all I was sent an email on XXXX the XXXX indicating that Chime was aware of the problem and were working to resolve it. They informed me that within 7 to 10 business days I will receive my closure check.

Well when the 10 days passed I didn't receive anything so I called them. When I called them I went through the identifying process and I discovered that nothing had changed. They hadn't sent my check. And they were still saying I can't reinstate my account. But I have never requested to have my account reinstated I've been emailing and calling since XXXX of XXXX. 
They sent me another email days later stating that they sent my money TO UNCLAIMED ASSETS! How is this possible when I have been calling in for years about this money. What can I do? Surely there is something I can do. They basically held my money treated me like a derelict for going through the steps to get my money only to send it to unclaimed assets. As of today Monday, XX/XX/XXXX the issue has not been resolved. They claim to have sent my money to UNCLAIMED ASSETS.
Consumer complaint received 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc. (TX)

School was shut down for embezzlement and fraud. I am not able to discharge my student loans because my transcripts indicate I was not going to the school within 160 days of the closing when I was still currently active and enrolled.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Possible Financial Inc (TX)

The interest that they charge is illegal in the state of Texas. I want them to remove every single one of my loans from my credit and forgive the most recent loan unless they want to refund me all of overcharge interest plus penalties
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - XX/XX/year>
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Action Collection Service (ID)

This Company Actions Collections agency, is harassing me. They call me at least once a week. This morning I missed a call from a unknown number and checked my voicemail, The voicemail stated as such " This message is for *redacted name*, My name is XXXX with XXXX, please return my call at XXXX XXXX XXXX. '' This is misrepresentation at its finest! 
Also, They wont settle the debt that i owed but want 45 % more than the initial gym membership charge.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (PA)

My parents died and my brothers and I are their heirs. We filed affidavits in Virginia Real Estate Affidavit and Small Estate Affidavit. 
Shellpoint Mortgage is refusing to discuss the mortgage or options related to the mortgage. They requested documentation in order make me authorized to speak about the loan. I sent the paperwork as requested. Then I was told it needed to be sent to another email address. I sent that. Then I was told it needed to be faxed. I did that. Tomorrow it will have been a week since I sent in the paperwork and they still say I am not authorized. I am authorized according to the state of Virginia. I dont understand how it is legal to not speak with me about this loan that is past due for a payment. We are trying to figure out our options and can not figure anything out until we get information from shellpoint.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How XXXX XXXX can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

There is a collection on my credit report. My bank is telling me that it's from XXXX. I have gone through my XXXX but this was not a purchase that I made. The name on it is also a name I've never heard. The collection is affecting my credit and I don't believe it's mine.
Consumer complaint received 2024-06-21
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: CITIBANK, N.A. (HI)

I rented a car with allied car rental using my CITI XXXX XXXX card. During this time I received a XXXX $ parking ticket which I paid online. I then received a charge for XXXX from allied car rental saying it was for a parking ticket. I provided them the details about paying said ticket including the confirmation of payment email. I asked them to provide me further information or reverse the charge. They denied. I filed a report with CITI banks saying it was a fraudulent charge. CITI opened a case and closed it promptly not reversing the charge. They proceeded to charge my card again for XXXX with no explanation. I filed another billing dispute / fraud dispute with CITI and it has not been resolved for over 3 months. They havent issued a credit for this unauthorized charge and it is incurring late fees and interest. I called to ask them why they didnt issue a credit while its under investigation and they said not to pay it yet that it wouldnt incur charges or have a late fee. That person lied and now I have a late payment that is shown on my credit report. CITI has been no help resolving this issue and no representative seems to understand what is going on. Ive been on the phone with them for over XXXX hours being transferred and hung up on.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Details of the Incident : On XX/XX/year>, at XXXX XXXX, I sent a certified letter ( Tracking Number : XXXX ) to Trans World Systems at the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. In this letter, I disputed their claim that I owe {$9800.00} on account number XXXX and requested validation of the debt. 

Despite the legal requirements, Trans World Systems has not responded to my letter within the 30-day timeframe. As a result, this failure to respond violates the FDCPA and FCRA. 

Key Points from My Letter : I requested competent evidence bearing my signature, showing that I have or ever had a contractual obligation to pay Trans World Systems. 
I informed them that any negative mark on my credit reports ( XXXX, XXXX, and XXXX ) from their company or any company they represent for a debt that I do not owe is a violation of the FCRA and FDCPA. 
I instructed them to take no action that could be detrimental to my credit reports pending the outcome of my investigation of any evidence they submit. 
I stated that failure to respond within 30 days would result in small claims legal action against their company, seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the FDCPA, and violation of the FCRA.
Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

THIS COMPANY ( WAKEFIELD AND ASSOCIATES ), KEEPS FLAGGING MY ACCOUNT FOR A MEDICAL BILL THAT I DIDNT AND NOR I DONT HAVE ANY ACKNOWLEDGMENT OF..I SPOKE TO AN REPRESENTATIVE FROM THE CREDIT BUREAUS AND THEY TOLD ME TO FILED A POLICE REPORT TO REPORT THE FRAUD. I ALSO STATED TO THEM THAT I WAS A VICTIM OF IDENTITY FRAUD BACK IN 2011, FOR SOMETHING I DIDNT DO.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

I am filing this complaint against Affirm , Inc. and XXXX for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to Affirm, Inc. on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : Affirm, Inc. and XXXX are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. Affirm , Inc. has reported my information to XXXX without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to Affirm, Inc., as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. Affirm , Inc. has failed to honor this request, and XXXX has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require Affirm, Inc. and XXXX to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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 XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXXXXXX there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries.

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately.
Thank you for your attention to this matter.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. The account numbers reported to XXXX, XXXX and Transunion are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, XXXX is # XXXX and Transunion is # XXXX, ( Transunion is different ) Transunion is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or XXXX. 

There is an account ( XXXX XXXX ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on Transunion as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SD)

My Barclay Old Navy credit card had two late payments. I called the company multiple times and was told I never had a late payment. They advised me to talk to a credit reporting agency. I filed a dispute with XXXX, and the 60-day late charge was removed, but the 30-day late payment remains. I filed another dispute, but the error persists. All the representatives at the credit card company have confirmed that I have no late payments. I would like this to be rectified on my credit report. I also would like to note I have never had a late payment fee on my account only interest.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

I opened the US Bank Business Leverage card on XX/XX/XXXX. I was unaware that their business credit cards have a central billing system. I could not pay on the card account, so I called customer service. I made the payment on the account for the statement credit. She explained that business cards have central billing and I must create a new account for it. She also mentioned I could merge the billing account with my credit card, so I would be able to make payments on the card directly. She told me that the change would take place after the second billing cycle. At the time, I had about XXXX points ( worth {$27.00} ) after the first billing cycle, and I made about {$2800.00} in purchases during the second billing cycle. I should have about XXXX points balance after the second statement, but my reward balance went to ( XXXX ) balance after the second billing statement. I called customer service on XX/XX/XXXX and was told that due to the merging of the account, I forfeited all my points. To which I replied : " I was never told by the rep I spoke with. Otherwise, I would redeem all my points, and would never ask for the change ''. She offered me only XXXX points ( worth {$25.00} ), and I told her that I lost more than twice as much from the first two billing statements. She transferred my call to the supervisor, but he/she did not answer. She set up a call from a supervisor within 24 hours.