davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (TX)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Paid Off/ Closed. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly. this collection account is not only reporting as PAID/CLOSED, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (IL)

I am writing to formally dispute the reporting of a late payment on my XXXX credit card account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/2023. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the XXXX main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXX Credit Card Agreement, specifically under Section XXXX titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. 

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (OH)

XXXX XXXX has 2 accounts for cards that had {$500.00} limits, and have now inflated to over {$1000.00} each. I get at least 3-4 very aggressive calls everyday, some weekends as well. I'm met with hostility ; in the last call taken XX/XX/year>, I was yelled at, told I was being sued and they have the case number to move on if I don't pay. I've advised I tried to work with the creditors as I'm now unemployed and dispute the additional {$500.00} in fees on each card. I was ignored and passed to another agent that said the same thing.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is discontinuing the Checking account type that I have had with them for many years. " Complete Advantage Checking '' is being replaced by " XXXX XXXX XXXX  '' automatically and I am not being given an option to retain the account services that I have had with the original product without paying additional fees. 

In order to discover what is going on I have to click through links and scroll through fine print text to find out what my options were. In the fine print it gives erroneous instructions as to where and how to select anything other than the default account changes that I have not consented to. It took me XXXX minutes to find the " Switch accounts '' function because it was hidden in a " more options '' expanding menu that was in not mentioned in the instructions or even in the correct section of their website. 

Wells Fargo leadership is currently enjoying a year over year profit increase of 31.22 % and STILL they are adding fees and cutting their services to their clients. They are doing a fine job of predating their clients to swell their own already bloated compensation plans.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WI)

I was the victim of identity fraud on XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. XXXX was able to cancel some of the pending fraudulent transactions and tranfers, but not all of them. They made me new accounts but opened XXXX separate claims for fraud. XXXX claim was for XXXX XXXX transfers totaling XXXX dollars. The other claim was for many XXXX XXXX transfers for XXXX dollars. They claim that since my XXXX were used to confirm these transactions, that these transactions were legitimate. The problem with this is that the fraud included my XXXX  getting hacked ( its how the fraud happened in the first place ). Now they wont reimburse my claims, nor re-open them, nor will they escalate the claims any further. 

I have submitted a police report of my phone being stolen, and also attached the fraud claims from the XXXX side that shows XXXX agreeing to reimburse me in my XXXX cash account for part of the fraud.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

my phone and information 's was once stolen it seems like someone open a account with capital one so now they trying to put this account on me when I'm not the one who open it just because my address and phone etc. showing on it as I once said of course it will show on it if someone found my information and applying with my information it seems like capital one can't understand were I'm coming from with this situation
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO. (MS)

Dear CFPB Representative, I am writing to file a formal complaint against Chase Bank concerning the repossession of my vehicle despite my consistent efforts to make timely payments. The details of my situation are as follows : I obtained an auto loan from Chase Bank to finance the purchase of my vehicle. Throughout the loan period, I diligently made my monthly payments. However, in XXXX I was sent to hospital and my daughter would make calls to pay over phone from my account, each time she would receive confirmation - and also I had auto payments arranged. My daughter called in to make sure my car payment was taking out digitally and I had no idea that after the {$270.00} amount was taken and accepted by XXXX they would repo my car the following week right after taking it. To my knowledge we never received a call, or conversation after making payment that anything was behind. When we did get a letter we were told we were XXXX month behind, however we made double payments so it felt targeted that we were getting my only mode of transportation taken. This has cuased stress, financial distress, and many other issues to my health, mentally, and physically due to not having my car. XXXX, my vehicle was repossessed without prior notification or warning, even though I had continued to make payments, which were accepted by Chase Bank. 

XXXX, XXXX, I have statement records of payment, and XXXX the car was taken. 

Despite these payments being processed and accepted by Chase Bank, my vehicle was still repossessed. At no point was I informed of any impending repossession action, nor was I given the opportunity to rectify any alleged issues with my account. After they took car they sent a letter demanding I pay the car in full to get it back. This lack of communication and transparency has caused me significant distress and inconvenience as mentioned. 

I have attempted to resolve this matter directly with Chase Bank by contacting their customer service department on multiple occasions. Unfortunately, I have not received a satisfactory explanation or resolution. I have recently asked for statements and received them XXXX of XXXX as I am in a better frame of mind to go after them for this unfair treatment and circumstance I was placed in. 

Given these circumstances, I am requesting the CFPB 's assistance in investigating this matter. I believe that Chase Bank 's actions constitute unfair and deceptive practices, and I am seeking the following resolutions : An immediate investigation into the repossession of my vehicle and the acceptance of payments prior to this action. 
Reinstatement of my auto loan and return of my repossessed vehicle. 
Compensation for any additional fees and expenses incurred as a result of the repossession. 
XXXX that my credit report will not reflect negative marks due to this unjust repossession. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue fairly and justly.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OH)

On my credit report there is a collection account from the company amsher collection service. I am not aware of this debt. This company failed to put me on notice of this debt or my rights to dispute prior to reporting this on my credit. If in fact this company says they put me on notice, I would like them to provide a copy of a certified notice making me aware of this debt and my rights to dispute with my name and signature prior to reporting this to my credit report.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

Consumer Financial Protection Bureau this complaint is a bit technical but its true. I am a XXXX XXXX XXXXXXXX who became a citizen of the United States in XXXX in XXXX XXXX XXXXXXXX. I moved to XXXX, Georgia in the year XXXX unemployed. Since I have moved to XXXX I have made it my business to pay all my bills for public or private services by personal XXXX drawn on Wells Fargo Bank, XXXX XXXXXXXX XXXX, XXXX Georgia. You can check and you will find for the last 23 years and debts that XXXX XXXX incurred was paid by personal Check from Wells Fargo XXXX XXXX XXXX XXXX. At the beginning of the year XXXX and upon receipts of my monthly bank statements I noticed that certain business who I usually pay by check on their own were now withdrawing their amounts monthly without me issuing them a check. I wrote to Wells Fargo, XXXX XXXX and asked them very nicely to discontinue or stop allowing companies that I do business with from having direct access to my XXXX XXXX XXXX XXXXt. In my letter on yellow paper I informed them that since I have moved to XXXX all debts and business that I owe, when I receive the bill in the mail, I forward a personal check to them forthwith for the Amount Specified. Any problems they need to speak to the postmaster XXXX XXXX as the paid bill seems to have a problem reaching the person to whom the debt is owed. Its now XXXX and XXXXmagine my disappointment when I looked at XXXX XXXX Bank Statement ( arrival delay of 10 days from the beginning of the month ) to see my statement has fewer and fewer Check Numbers because the bank has ignored my letter on yellow paper and continue to allow Companies to directly withdraw money from my checking account without producing a personal cheque from me in payment and endangering the little savings I have in my checking account where since early retirement I have been slated to get only {$40.00} a month from XXXX and {$900.00} from Social Security for early retirement for life. Please look at copies of my yearly statement and see for yourself that companies are increasing withdrawing money from my account without me receiving official notice or receipt and this is put me in an untenable situation where I will have no control over my own checking account.
Consumer complaint received 2024-07-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding PORTFOLIO RECOV ASSOC on my credit report.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX Charged Off alledged debt on their Business Taxes under my Name and Social Security Number as a Profit Gain/Loss and failed to provide me with a 1099a Copy as is required in accordance to tax Laws. Also XXXX XXXX Violated Gramm- Leach- Bailey Act 15 USC Section by sharing Unauthorized Access to Customer Information without supplying the Customer with the option to opt out prior to sharing Non Public Financial Information with a third Party. Also failure to send me a copy of the 1099a when XXXX XXXX filed it's Tax Returns is clearly Tax Fraud! Under 26 U.S. Code Section 7203 Willful Failure to file return, supply Information, or pay taxes. Also under 453a ( c ) ( 1 ) shall report any portion of the Installment sales obligation to pay interest on the deferred tax liability at the close of the taxable year.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

XXXX***NOT A DUPLICATE COMPLAINT. PLEASE DO NOT CLOSE**** **FOLLOW-UP TO COMPLAINT XXXX First and foremost, I am owed about {$3.00} more because that is the total amount listed across all transactions that were processed and made using the PayPal account in question. To then proceed, I'd like to inform you that I DID NOT CREATE A PAYPAL ACCOUNT. As has been communicated to you now ample times, I don't know why this continues to be ignored. If I had indeed created this PayPal account as XXXX XXXX, then it would be stupid to argue and state that on a consistent basis ; I'd look like a fool. Once again, please stop saying that as we continue to navigate this matter because it misrepresents the situation. There has been information conveyed to you from multiple outlets as proof that I, as XXXX XXXX, did not initiate any of the 18 transactions made on the account. Therefore, to say that PayPal has conducted a review and state that no unauthorized access was found is simply WRONG. Even your own back-end team has finally come around as expressed earlier, believing and validating information about everything being argued and at hand. Indicators also include media articles published in my town 's local journalism networks indicating that they are a known XXXX, so to speak. I've also asked to resubmit that as proof again, but once again, that is continuously ignored. I've also expressed information that as I'm not your customer, the 180 day policy window doesn't apply to me. I've sent multiple proofs as well about how I went to my bank first and it took them a while to review the original 2 transactions before coming back and stating that they aren't responsible and to address it with PayPal. To say that two transactions were filed and disputed with my bank for PayPal charges is once again false. The same information was also communicated with other relevant parties, such as merchants who advised the same thing. To say that other parties supersede the decision when they are also arguing that they aren't responsible to go with the recurring feedback being given is very unprofessional. Do better and take accountability. And just for the record, my bank did automatically issue me, XXXX XXXX, new information once I reported the two charges to them. This matter is not resolved, and I will continuously make new tickets since you are not only committing unethical behavior, but theft with not refunding MY MONEY that you have no ownership over when it's been confirmed I, as XXXX XXXX, didn't make any of these purchases. The further action to take is refunding or finding an alternate source of compensation since there is no further investigation to be done.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC (FL)

The debt collector company ( Reliant Solutions ) contacted my family via text with my information and file number without my authorization. I did not have the file information myself prior to this and was the only way I had written proof of who the debt collector was and what file number I needed to check in on what I owed. Furthermore, I have gotten spam calls with no voice messages identifying the name of the collection agency ; just this is a debt collector. That is not sufficient for me to safely return calls.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fig Tech Inc. (TX)

Fig Loans Texas LLC is reporting an alleged debt on my credit report that has yet to be validated. This company is known for their fraudulent practices, and I am demanding that the contract bearing my signature is submitted along with the debt validation. I do not recall owing your company anything. Your company does predatory lending practices that purposefully deny borrowers their locked interest rates when market rates rise, and this has been confirmed. I am demanding that the account on my credit report is removed until this investigation is completed. Furthermore, I did not give consent to your company to furnish anything to the credit reporting agencies on my behalf. Please see the attached invoice for the violations committed by your company and remit payment to the address on the invoice. This account is to be removed with 14 business days along with the payment.
Consumer complaint received 2024-07-08
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. (HI)

My credit card was hit with two unauthorized charges at the date of XX/XX/year>, one in the amount of {$2000.00} and one in the amount of {$1000.00} on XXXX. Upon noticing these transaction I immediately notified chase regarding the two unauthorized fraud transaction and was notified today XX/XX/year> that my claim for the unauthorized transaction amount of {$2000.00} is denied for the reason of " You received benefit from this transaction '', which is impossible since this is an unauthorized transition and i have never received any benefits from such fraud charges.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I had identity theft and now Chase refuses to refund my money. 

On XX/XX/year>, a woman had enough of my personal information and was able to call Chase to order a debit card in my name. She got the debit card shipped to an unfamiliar residential address, then picked up the card on XX/XX/year>. On XX/XX/year>, proceeded to spend my money with various vendors. She spent about {$3200.00} total, between withdrawals and debit card purchases. 

I was able to find the owner of the address the card was sent to and he provided ring footage of this woman picking up my debit card. I shared this footage with Chase. 

Chase is saying because she had my debit card along with the pin, that I authorized these charges and therefore can not get my money back. However, the woman was able to create her own PIN number when she ordered the card. I provided video footage of the woman picking up my card and filed a police report. Chase is still refusing to give my money back. 

I was able to get the withdrawals back, but not the {$1600.00} in debit card charges.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern, I believe I am unfairly treated by the unjustified reduction of my credit limit from {$9000.00} to {$4000.00} without reason and notice. This is effect reduced my credit rating from a Good standing of XXXX, to XXXX. This happened on XXXX XXXX. 

I have a total of {$9000.00} credit limit on my Chase Sapphire credit card with card number XXXX under my name : XXXX XXXX I carry a credit card balance, but I have never missed even a single month of payment due since its existence. The credit card was opened only this year XX/XX/year>. 

I am complaining about an unjustified credit limit decrease. For more info you can reach me in my email or this number. 

XXXX XXXX XXXX owner Please remove personal informations and sensitive information on this desciption.