davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I made the purchase of the ring ( ~ {$13000.00} ) on XX/XX/year>2023 with the XXXX XXXX XXXX XXXX store, and they introduced me to the XXXXmonth no-interest financing plan and highlighted no APR for XXXX months. The store didn't highlight anything regarding the deferred payments, which is new to me, even though they gave me the terms and I had signed. If the store mentioned anything about the consequences if the balance is not clear after XXXX months, I wouldn't be losing track of my payment. 

The problem with the bank is I did my calculation to pay out within a year and I set up the auto pay immediately after I got the card, which is {$1200.00}, and expect it to pay off within XXXX months. For some reason, the bank started to charge me the XXXX month ( XX/XX/year>2023 ) and XXXX & XXXX months split my payment of {$1200.00}. The bank did not inform me in any form such as phone, message, email, mail, or website message, and initially I thought the autopay should work but it actually ended up with a remaining balance that caused a deferred interest from the ORIGINAL PURCHASE price, which is 30 % more of the ring price ( ~ {$3600.00} )! The store definitely has a duty to explain the terms well before the customer signs anything, I think they were not explaining the deferred interests for new customers to lure them to buy, this is a big loss/ interest to me as the ring price is very high for me and very unfair. 

I called the XXXX XXXX company and they arranged a call with the bank, but they are not resolving anything for me even though I explained and all they saied is nothing they can do, they seemed to blame everything on my side.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Paid my bill in full before the due date last month. Was assessed a XXXX $ minimum interest charge this month. Have made no other purchases since paying my bill in full before the due date last month. Was told this was a minimum interest charge assessed to all accounts and since I complained, it would be taken off my bill. This seems like theft. It is such a small amount that I am certain many people pay it. Since it has been resolved by the company for me, I do not personally have an issue to be resolved but I can not imagine this practice is legal. Or if it is it should not be.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit 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. (DE)

I have been disputing this account and going back-and-forth with Best Buy since XX/XX/2023. I keep getting the runaround and they keep denying my dispute but keep continue to tell me to refill it over and over. I order earphones for my daughter and went on vacation for her birthday, which is XX/XX/XXXX I get back And go and pick up the earphones and ask in the statement below I was initially told that they were sent back because I took too long to pick them up. It has been back-and-forth since then between customer service and Best Buy store. Story short they keep sending back my dispute, saying that the companies policy is to ask for identification, which was not done According to the manager who works at the Best Buy location in XXXX Delaware. She stated that they do have a lot of situations with the seasonal workers, not asking for identification and or just giving The wrong items to different consumers. 

After one of my disputes early this year they told me I needed a copy of a police report for the records to open up the dispute. So I called XXXX XXXX police and got a police report. 
I called Back give them the number and they tell me they never needed a police report, but took the Police report number, officer name, etc. I have submitted a claim to the Federal Trade Commission as well. I have uploaded a copy of my Was not in the state of Delaware during this transaction pick up I even sent in a statement that they asked me to send. I have done every single thing they asked me to do for almost a year, and this company is still going back-and-forth with me about this dispute, its been sitting dispute often on for almost a year and every time I call someone is telling me theyre getting it rectified its gon na be taken care of and it will be off of my credit report, but its not. 

To make matters first, they are Illegally negatively reporting, my account as past due To all three Credit borrows wow it is actively in dispute status I bring it to their attention and they tell me that they will be corrected but its never done. The company illegally lowered my credit limit based on the reporting that I am in Late status when I am not which has affected my income ratio due to no fault of my own.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit 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. (IL)

I have ( XXXX ) charges from Macys that I did not purchase & have disputed for ( XXXX ) months. I have called ( XXXX ) times & spoke with the fraud dept. & never received any info I have requested, just letters that I am responsible. I explained that the items in question do not fit my purchase history nor have they produced my signature. I have now been told that the case is closed, done.
Consumer complaint received 2023-12-29
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16
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. (HI)

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, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-12
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. (CA)

On XX/XX/year>, a call was received from someone claiming to work at XXXX XXXX. The person asked whether or not I made a purchase at the store. The call verified it was me. I said I did not make this purchase. Later that day, a purchase of an XXXX with XXXX XXXX was made and the money was deducted from my Chase XXXX Checking Account. 

I filed a claim with Chase Bank that week. I was bounced around for weeks. Finally, I was allowed to request paperwork supporting this fraudulent charge and learned that the person bought it on line and picked it up at a local XXXX XXXX. 

There is no proof that XXXX checked for ID when the package was picked up. Chase Bank fraud denied the claim, on the grounds that they found XXXX XXXX 's response to be sufficient. However, the response said they confirmed the consumer via email verification, nothing that I have received. Chase bank fraud was unhelpful and told me to try resources outside the bank because they can't help me.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JPMorgan Chase & Co. concerning an unjust foreign transaction fee of {$39.00} that was charged to my account. I believe this fee was improperly assessed, and I am seeking your assistance in having it removed or waived. 

On XX/XX/24, I made an online purchase through what I believed to be a domestic website. At no point during the transaction was it made clear to me that this purchase would be processed as a foreign transaction. There was no transparent indication on the merchants website, nor was there any alert or notice from Chase to inform me of the impending foreign transaction fee. 

As a consumer, I rely on the clarity and transparency of financial institutions to understand the costs associated with my transactions. The lack of transparency in this instance has caused me undue financial burden, which I believe could have been avoided had there been proper disclosure from either the merchant or Chase. 

I have already reached out to Chase customer service to request a waiver of this fee as a one-time courtesy, considering the circumstances. Unfortunately, my request was denied. Given that I was not made aware of the potential foreign transaction fee at the time of purchase, I feel it is only fair that this charge be removed or refunded. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and help facilitate the removal of this fee or its waiver as a one-time courtesy by Chase. I believe this action would be in line with principles of fair treatment and transparency in financial transactions. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX writing this letter because I am a victim of identity theft, for the past 2 years American Express has allowed several of my bank accounts to be compromised. An unauthorized debit in the amount of {$1900.00} from XXXX XXXX XXXX and in XXXX another {$3000.00} unauthorized debit from this same bank account. In XXXX American Express has allowed my XXXX XXXX Bank account to be compromised and again on XX/XX/XXXX, in the amount {$88.00}. Also, my XXXX Bank account has been compromised for {$38.00} and again {$89.00}. My XXXX XXXX XXXX XX/XX/XXXX account has been compromised by American Express. All of these accounts I have been charged overdraft fees. Throughout this process with American Express my credit has been sabotaged. Also, my credit card accounts have been sabotaged and my XXXX XXXX has dropped due to these unfortunate situations. This has caused some of my credit card companies to lower my credit availability and close credit card account.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I deposit my payroll check via mobile to my savings account to Wells Fargo, they stated that my funds would be available next business day which was the next day XX/XX/year>. I check my account prior to going to work I seen my funds in my savings account, the amount of my check was {$1100.00}. ( XXXX ) hours later I check my account again while I was at work and my funds were gone! Wells fargo stated that they put a hold on my funds until XX/XX/year>, Now, I find that quit strange being I've always got direct deposit from the same employer who again is also a commercial account holder with the same bank. So fast forward XX/XX/XXXX is here and I check my account and still there's nothing in there, so I called customer service and spoke to several different reps because they continue to transfer to so many different departments inquiring about my missing money! No one seems to know where my money is so they open a case to investigate what happen to my money. I was told it would take approximately XXXX days to resolved the issue, i stress I don't have XXXX days because I have bills, mainly my rent to pay ... they didn't seem to care! i also stated don't the bank suppose to issue a temp credit for the amount when its under investigations!!?? No one seem to know what i was talking about..so anyway 20 days later I get a letter stating they will not be giving me my money back because it shows it was deposit at another institution!! LIES!!!!!! I've given proof, my employer/payroll has provided proof to them that WELLS FARGO received the payment for my deposit and its THEM that has my money!!! They will not release my funds to me at all, they keep stating that my employer can put a stop payment on the check but they cant because WELLS FARGO ALREADY CASHED IT!!! They continue to give me the run around about MY MONEY, this has caused me financial hardship and they even gotten proof of that.Here we are XX/XX/year> and MY {$1100.00} is still floating in WELLS FARGO XXXX, I WANT MY MONEY! I've spoken to so many reps and even went to my local branch TWICE, the branch manager tried resolving it and they were extremely rude to him as well so he escalated my issue along with a complaint about how we both were rudely treated from Customer care Reps via telephone and now there's another case open up to see WHERE MY MONEY IS!!! I need URGENT help ASAP, I may just be getting a lawyer and sue because this is unfair to me especially when my self and my employer gave them proof that they have my money.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with Experian and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every two weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting XXXX inquires on my report, that I didn't authorize. I advised them, and still not removed. Please remove inquries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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: Resurgent Capital Services L.P. (FL)

violation of 15 U.S. code 1681 Third Party Agency LVNV Funding LLC failed to comply with requirements to i the consumer in order to report to any credit bureau. LVNV failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX/2024,XXXX/2024 and XX/XX/scrub>XXXX/2024 requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
Debt claimed owed : {$990.00} Original Creditor : XXXX  XXXX XXXX
Consumer complaint received 2024-08-09
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: CAVALRY INVESTMENTS, LLC (FL)

violation of 15 U.S. code 1681 Third Party Agency Cavalry Portfolio Services LLC failed to comply with requirements to i the consumer in order to report to any credit bureau. Cavalry Portfolio Services LLC failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/2024 requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$2700.00}
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I bought a ring which has a cost of {$13000.00} with Comenity Bank under a 12-month promotion period and I set up my auto-pay immediately with a monthly payment of {$1200.00} and did my calculation that if I paid out 12 times it would be paid out. 
I checked my checking account today and it showed I have paid 12 times already, but today when I logged in their bank system I still saw a balance of {$2900.00} remaining, and when I checked the payment history it showed there was a huge interest charge happened in XXXX, which is unwanted. I didn't expect the delay as I thought everything had been set up already well and I didn't get any forms of notification through phone, email, or mail on the statement or warnings. I realized the bank starts to charge me last year 1-2 months after I bought the ring ( contracts started on XX/XX/year> but the payment cycle started in XXXX ), and the XXXX payment is a split of {$1200.00}. I don't know why there is such delay or split but I set up my autopay with a fixed payment amount of {$1200.00} right after I got the ring. 
This is a huge purchase and it's crazy the bank plays on this. I called them and explained but they are very firm on it but it's not just my fault, why there is no notification at all on my email or phone? I got a very consistent monthly payment but the bank made the delay for the first 2 months and split my setup payment. It should be paid out within 12 months but they did it and no warning or notification reached out to me in any form. I need to dispute about it.
Consumer complaint received 2024-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SN SERVICING CORPORATION (MD)

SN Servicing is continously causing me undue stress with the payment process and fees. I have been paying my monthly payments as expected every month. I am 2 months from completing my bankruptcy after 9 years. I currently take care of my mother that has XXXX and just want to finish my bankruptcy so that I can retire from work to continue to care for my mother. SN Servicing keeps filing a notice to remove my automatic stay. We just went to court in May when the judge dismissed SN Servicings default notice to remove the automatic stay. I presented all my receipts to the court never missing any payments. On XX/XX/XXXX, SN Servicing filed another default notice stating that I owe for XXXX and XXXX payment with {$400.00} in suspense. The XXXX ask us to meet to resolve the issue. I sent all my receipts to my attorney for payments paid in XXXX, XXXX and XXXX. My attorney requested a copy of all payments and SN Servicing sent a sheet of erroneous charges that included return check charges and monthly arreage charges totalling {$2000.00} in arreage fees. SN Servings owed this amounts to me. SN Servicing states that I owe for XXXX and XXXX payment and the {$400.00} suspense payments doesn't exist anymore. I also should have a suspense payment of {$2000.00}. SN Servicing Corp. is also claiming that I owe return check charges in XXXX, when I didnt have a checking account and have paid all my payments via wire from my bank through the Federal Reserve XXXX Each month when I make a payment SN Servicing never post my full payment of {$1600.00}. SN Servicing bankruptcy Dept. Is misapplying my payments. My payments are posted and then unapllied and then posted at a lesser amount of {$1400.00}. This company also changed the original terms of my originsl loan from FHA to conventional. This servicer is commiting all kinds of mortgage fraud. I just want them to acknowledge my payments and postt correctly. I want all erroneous fees and arreages to be removed. This is unlawful. I was even charged forced placed insurance when I dont pay insurance to the mortgage company bc I own a condo that's paid through my HOA. This company is trying to cause me to loose my home when I am a consumer that is doing the right thing, by paying my mortgage on time every month. I am owed thousands of dollars. I only owe for my XXXX payment which I plan to pay this week. Please help! This is causing me undue stress and causing me health issues. I've never experienced anything like this before with a mortgage servicer. Please help. I have all receipts that substantiate my claim.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC (CA)

In XXXX I signed up for a 3rd party marking service for my small business. They promise a certain performance result but require that you pay their fee upfront. They suggest using a specialized financing company if you can not pay their fee, to finance it with this company. They offered me their phone number to engage, while waiting on the other line for me to complete. I engaged this loan company entered into an agreement over the phone to make payments and they paid this marketing company 's fee. About 2 months in I realized the marketing company to be fraudulent, and not abiding by their end of the deal. I asked for a refund and they refused. I then contacted the finance company and asked to cancel, and they refused. So now I am on the hook to pay on a fee, without option to cancel or stop payment without damaging my credit due to a fraudulent marketing company and their scammy finance company.