davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Consumer complaint received 2023-11-01
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: JPMORGAN CHASE & CO. (PA)

I purchased a XXXX rental car thru Chase Sapphire credit card for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX for signed agreement of {$540.00}. There was a war that initiated on XX/XX/XXXX, and we were mandated to leave. I returned the car XXXX  days early and was overcharged at {$460.00} for XXXX  days + pending charges. That leaves a dispute of {$240.00} + pending charges. I had no choice but to return the car to XXXX in good condition, and yet Chase will not dispute these overcharges. I am requesting they do not allow XXXX to continue to charge me and that they negotiate a refund for {$240.00}. I have all signed agreements but Chase is forcing me under duress that I be held responsible for a signed return agreement when I was under the XXXX to evacuate immediately ; there was no way I could have disputed charges and it is not reasonable to think during an act of XXXX  that I would argue with XXXX.
Consumer complaint received 2023-09-26
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. (NJ)

I disputed this with a XXXX because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

My credit report is showing late payments to XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (NE)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (GU)

XXXX I have report that I have been a victim of fraud/scam. But the Bank of the West and XXXX XXXX XXXX XXXX XXXX does not want to assist me. I have filed a dispute and told my bank XXXX XXXX that it is a scam that I wired transfer to a woman there in XXXX XXXX California. And A man in XXXX XXXX.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AL)

I have a Amazon card through Chase Bank. 

On XX/XX/2023 there was an erroneous transaction from Amazon for {$150.00} Within minutes this transaction was corrected on XX/XX/2023 and Amazon refunded the amount back to the card ( Credit to Account to wash out the transaction ). 

Chase took the refund of {$150.00} and instead of applying it to the erroneous transaction, Chase applied it to a 0 % promotional finance special that I took advantage of to purchase a couch and treadmill from Amazon. My payments are to be {$81.00} monthly. Chase then treated the erroneous charge as a purchase though it states clearly in the statement showing amazon refunding this charge.

Chase then took the {$150.00} refund as real cash and not a refund and added that as a purchase under yet to be a charged interest balance. They deducted {$150.00} from my 0 % interest and created a transaction basically of $ XXXX 27.24 % APR. If I do not want to be charged interest I have to pay {$230.00} ( XXXX + XXXX ) to defer interest on a transaction that was refunded. 

So technically, the {$150.00} that was refunded was stolen by Chase and applied to a 0 % promotional special and then applied the refunded charge as a charge to my account at 27.24 % APR. 

I called Chase about this and they refuse to fix this item.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am a  XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America refused to correct their multiple errors. This is for a Visa card. 

BoA deducted close to {$5000.00} from my checking account and has refused to return it. At the time ( XX/XX/XXXX ) I spoke with XXXX customer service reps who insisted their mistake was corrected and the money would be returned. I was provided {$5.00} at my insistence to cover interest for what could be a couple of days. 

This withdrawal was due to a customer service error. A few weeks prior I had obtained a balance transfer on this credit card. I changed the automatic payment from pay full statement balance to pay minimum payment due. There were a few leftover charges and one recurring payment. I updated everything online. Two days before the payment due date/auto payment, I called to make sure everything was OK. I spoke with someone to make sure everything was OK. 

Two days later the full, new balance transfer was removed and my checking account was in the whole. I was charged a fee for the balance transfer. 

Now, 5 days and 3 business days later the money still has not been returned. Seven ( 7!! ) calls to BoA, including talks with several " managers '' today have failed to resolve the problem at all -- I mean, there is no hint as to a course of action to take.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANKMOBILE TECHNOLOGIES, INC (OR)

I have been a customer with Customers/XXXX XXXX XXXX XXXX XXXX but I am tired of the issues that I have had to deal with. this is what has been going on, I deposited a payroll check of {$1000.00} on XX/XX/XXXX, I then had {$860.00}, because I had an overdraft issue which was an entirely different and frustrating issue, I then spoke to someone named XXXX on XX/XX/XXXX, over the telephone and was told it would clear on XX/XX/XXXX. I thought my check was cleared and I was then able to access my money and went to the atm, unfortunately this bank has blocked me from taking any money out of my account, I could not take anything out, I was able to use it at the stores but not able to take anything out. I have had so many problems with this bank, so I went into my on-line account and put in a request to close my account and received a message via email, stating that there is a hold on my account, therefore I can't close it. This is not the first time that this bank had put a hold on my account when I wanted to close it, by having transactions pending when they were not pending before I tried to close it. They are using tactics to keep me as a customer. I have had so many problems with this bank, before this, I noticed there was discrepancies in the amount on my balance many times. Now they are not allowing me to close my account.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction.
Consumer complaint received 2023-09-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

- I was issued a XXXX debit card with {$28000.00} on the card Bank Of America allowed someone to use my card and spent {$16000.00} before it was brought to my attention i have submitted a claim and police report along with my identification and statement to them and XXXX why have denied my claim TWICE I dont think there actually investigating these claims I need my issues resolved why dont they want to release my money to me?????
Consumer complaint received 2024-04-01
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. (SC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (FL)

I closed on a new construction property in Florida that is part of a Community Development District with a 30-year bond payment and O & M fees that are billed annually on my tax bill. While these fees were disclosed to me at contract and included on the first Loan Disclosure, there was a mistake made on later disclosures which reduced the total CDD amount from {$2500.00} to {$230.00} per year in the escrow estimate. The final loan disclosure at closing also had this error. I used this information from the loan disclosures to budget my annual mortgage payment and then made a decision to change from a 30-year term to a 15-year term. Once my first tax bill was sent at the end of XXXX, I realized that the CDD fee is a separate amount, above and beyond the property tax which was not properly explained or disclosed in any of my closing documents. In fact, the mistake is captured on an Unimproved Tax Disclosure which was signed at closing. The end result is my escrow account was short {$9800.00}. The mortgage company did notify me to send an extra {$410.00} per month to account for the difference in taxes assessed at closing on raw land vs what would be billed in XXXX on the improved land. This equals {$4900.00}. Because my escrow was in further shortage, I sent {$6700.00} to escrow in XX/XX/XXXX. But my escrow is still short plus required reserves resulting in my mortgage payment increasing by nearly {$800.00} per month in XXXX. I believe my mortgage in XXXX and beyond will be well above what was disclosed on the final loan closure due to this CDD error which DHI Mortgage has admitted making. The mortgage company has agreed to compensate me for just over {$2000.00} which represents 14 months of what they calculate the CDD error to include. I believe their mistake impacts me for the 30 years of the bond payment. Even after closing this mistake continued with an email in XX/XX/XXXX which is attached. Lastly, my loan was sold from DHI Mortgage to XXXX XXXX lending effective XX/XX/XXXX. To my escrow shortage is being paid to this lender.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (DC)

I signed up for a XXXX XXXX Wells Fargo Card and immediately signed up for auto pay. Wells Fargo did not process this and I ended up being more than 30 days late with my payment. I received no notification from Wells Fargo about the late payment electronically or by mail at any one point, even after 30 days. My credit score has been devastated and I had to pay {$120.00} in late fees and interest. When I realized the missed payment, I immediately made payment.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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: SLM CORPORATION (NJ)

XX/XX/2021, I did a co-sign for my godson to get approved for a school loan, I uploaded my business information ( not personal information ) which was a EIN and not a social security number only to find out that SALLIE MAE violated 15 U.S. Code 1681, which I have the evidence of and they never took off the hard inquiry from the credit bureaus after I asked them too, because XXXX XXXX XXXX XXXX XXXX  they told me that the loan for him would be denied after they violated my privacy and ran my credit.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I filed a complaint, # XXXX XX/XX/XXXX. The " company '' is reviewing as of XX/XX/XXXX. I called the customer service number today, XX/XX/XXXX, and I spoke to XXXX customer service rep who informed me payments are applied to the highest XXXX on the account, then applied to the promotional balances. I informed her she was wrong. She stated she sees that on my account and asked if I would like to discuss with a manager. I was transferred to " XXXX '' and account manager over the phones. He informed me that payments are applied over the account by computer to the highest XXXX then promotional balances. He also informed me I, as the customer, have to call the company every time I make a payment and tell them how to allocate the money I am paying. I argued with him that this is not how the credit card agreement reads and as a customer for over 10 years, I have never had to call the company to tell staff how to apply the payment monies I pay. According to their credit card agreement all monies paid are to be applied to promotional balances first until paid off, then standard purchases. I told him I wanted my current payment applied correctly, which he processed as a request to my account to be handled in this manner while on the phone with me. In addition, I told him I wanted a copy of the current credit card agreement sent to me since he can't tell me when this might have changed, other than " long time ''. I also informed him the company is required by law to send a new updated credit card agreement to all customers every time they make a change. He informed me he sent the request and I will receive a copy of all requirements, agreements to me within 30 days. He also kept stating that I will have to call the company every time I make a payment and tell the customer service rep how to apply the monies. 

I have never had to tell the company to apply my payments first o promotional balances, it has been automatic because of the promotional balance rules of 6 months interest free on purchases of {$200.00} or more. 
I think the company is trying to XXXX customers out of the deal and make them miss the 6-month free interest date and cause the account to be charged for the full interest rate from the time the charge is incurred.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, Collection Consultants of CA reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX XXXXXXXX Showing a XXXX XXXX. 


Thanks