davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

I received my XX/XX/XXXX  statement with a balance of {$8100.00}, and payment due date of XX/XX/2023. I made a payment of {$8200.00} on XX/XX/2023. The {$8200.00} was to pay off the statement balance, but also an additional {$120.00} in charges/purchases acquired after the XXXX statement and before my due date. Part of the {$120.00} was an annual charge by the card for {$99.00} on XX/XX/2023. When I received my XX/XX/2023 statement, I was charged {$59.00} in interest for a balance transfer and {$100.00} in interest for purchases ... even though the card balance was at XXXX and the payment was made on time. The balance transfer was not the type that had to be paid in full or the entire interest amount for the term was charged. The rate changed from 0 % to 28.24 % after the promotion expired. My complaint is the representative at Chase ( XXXX XXXX XXXX ) stated that even though I paid the card off in full and on time, I was charged interest for the days of the statement closing XX/XX/2023 to the payment due date of XX/XX/2023. I am not sure how you can continue to charge interest on a card, but provide a due date. If you charged interest the month before, and you state you have until a certain date to make a payment, how can they continue to charge interest when that is the timeframe they allowed to make a payment? Again, I not only paid the statement balance, but also paid the balance acquired after the statement cut off of XX/XX/2023. She further stated that I have to make two full payments in a row before the accrual of interest will stop. She stated for the balance transfer amount on my card of {$59.00}, I would be charged interest ( which this is the amount charged for interest for XX/XX/2023 statement ) ... so now I am paying interest on interest, even when the card balance was brought down to XXXX. With the CFPB trying to crack down on junk fees or unfair/deceptive charges by credit card companies, I would think this falls in line since they give you a date to make a payment but still continue to charge interest. Also, they are now charging interest on interest when a card balance was brought to XXXX.
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-03
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. (MO)

TransUnion LLC is continuously reporting fraudulent erroneous items on my consumer report. After I provided an FTC report & statement has to why the information is not only fraudulent, but also reports inaccurate information & violates Federal Law under FCRA. 

XXXX XXXX attached ; is a current up to date report that solidifies the information. Charge-off accounts shouldn't even be reported in first place. Account stop reporting in XXXX with a {$0.00} Payment Received but, for some odd reason its reported on-time payments from XXXX to XXXX.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is the third time I am provide all necessary information to Equifax and expect to receive an accurate credit report and credit score in the mail. My information was in fact breeched in their data breeching. My request is for all information which is showing on my credit report to be validated as my information. I also want proof of their methods of validation and the manner they used to gain the information.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (LA)

THERE IS SOMETHINGS ON MY CREDIT REPORT THAT SHOULD NOT BE ON THERE. I HAVE BEEN DEALING WITH PEOPLE FOR A VERY LONG TIME SO A XXXX XXXX SEARCH AND A GLOBAL WATCHLIST SEARCH SHOULD NOT BE COMING UP ON MY CREDIT.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

In the month of XX/XX/2023 we made an appointment to meet with a bank specialist to assist with the errors made on the accounts with the atm cards that were sent were to wrong card numbers and they did not coincide with the mobile app for US bank another attempt was also unsuccessful to correct these issues and it has been overlooked for too long.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been a AMEX card holder since 2020. I have used the card responsibly since I had it as with all my cards. This past XXXX my credit limit was decreased from $ XXXX to {$1200.00}. They stated the reason was because I had a high usage on my other credit cards. The balances on my other card fluctuates through out the year, I am current on all my cards and have never missed a payment. This has always been the case. This reduction in my credit limit has affected my credit score significantly in a negative way. I called to have it increased again but it is unlikely I will get it because my credit score has dropped because of what they did. All I want is my credeit limit increased back to where it was at $ XXXX.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter to bring to your attention that it has been 30 days since I initially requested the verification and validation of certain accounts listed on my credit report. To date, I have not received any documents or communication from you or the respective creditor confirming the accuracy and legitimacy of these accounts. 

As per the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and respond to my request within 30 days of receipt. Failure to do so not only constitutes a violation of my rights but also places both you and the creditor at default under the FCRA. 

I would like to reiterate that the specified timeframe has expired without any documentation bearing my signature or any supporting evidence demonstrating the authenticity and late payment status of the mentioned accounts. Consequently, I demand the immediate removal of the following accounts from my credit report and an update of the late payments to reflect them as paid on time, as originally agreed upon. 

XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX Account last four # XXXX XXXX XXXX XXXX  last four # XXXX XXXX XXXX XXXX  Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX TRANSUNION THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX  XXXX  Account last four # XXXX XXXX Account last four # XXXX XXXX XXXX XXXX Account last four XXXX XXXX XXXX Account last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX  XXXX  Account last four # XXXX XXXX Account last four XXXX XXXX XXXX XXXX Account last four # XXXX XXXX XXXX  XXXX Account last four # XXXX XXXXl Account last four XXXX XXXX XXXX XXXX XXXX XXXX Account last four # XXXX XXXX XXXX XXXX XXXX Account Last Four XXXX XXXX XXXX XXXX XXXX  Account Last four XXXX XXXX XXXX FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME XXXX XXXX Account Last four # : XXXX - PAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

I have been making my mortgage payments to Select Portfolio Servicing ( SPS ) on time, and often, ahead of time. My job requires me to travel to different locations for an extended period of time. I will pay the SPS mortgage payments ahead of time. It is not my intent to pay down the principal ahead of the amortization schedule. 
For example, I pay the Month 1, Month 2 and Month 3 payments in the same envelope with three different check. Each check is clearly marked with the month and year that it is to be applied. One will have Month 1, Month 2 and Month 3 dates on each check. SPS will receive the checks and process the Month 1 payment and then apply Month 2 and Month 3 to principal. SPS does this even though the checks and mortgage payment stub are clearly marked! 

I will have to call several times for SPS to correct each error. The payment stub is clearly marked that the payments are for three separate months. In some cases, it is for two months. This is not an isolated incident. This is their standard practice. I called multiple times and the customer service person assured me that they will mark my account to reflect the problem and it wo n't happen again. It happens again and again. 

One alternative is to do ACH debit. I do not trust SPS with an authorization to debit my personal bank. I have no idea how they will use the information. With so many problems with billing, they may take more than required due to an " innocent administrative error ''. 

I am requesting the CFPB intercede here and audit the payment application practices of SPS. I can log on while on the XXXX and see the status of my account. Then I have to call in and complain. I will wait a few weeks and they will fix it. Please see the attached letter from SPS that details the dates this happened. They code it as " Principal Only Payment/Curtail payment ''. The dates are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX XXXX. 
I pay attention to my statement and also have an XXXX degree in XXXX. I can spot this error. How many innocent people have had to pay late fees because of " administrative errors ''?
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/XXXX, I received a letter from Chase Cardmember services indicating that they made an omission in disclosure of fees and interest change related to an event in XX/XX/XXXX. They indicated to rectify the situation they would be issuing a credit to my account. This credit card account has been closed and paid with a {$0.00} balance since XX/XX/XXXX. I was able to call Chase Cardmember services automated account system to determine that they were issuing a credit in the amount of {$49.00}. I presumed since it would be mailed to me in the form of a check since this was real money that I paid to Chase Cardmember services in XX/XX/XXXX. Today ( XX/XX/XXXX ) I received a Chase credit card statement showing the reversal of charges and a credit on my account. I have not authorized Chase to open a consumer credit account in my name and it was done without my approval or consent. Additionally I have not received any privacy disclosure or APR disclosure with the " re-opening '' of the account. I believe Chase Cardmember Services has violated the Truth in Lending Act by omitting disclosure of the terms of the account that was re-opened after being closed for 5+ years.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (OH)

I had asked XXXX to dispute a fraudulent charge that kept showing up on my credit report that i had no understanding of existing in XXXX of XXXX. I never received a bill or anything other than it showing up on my credit report. Someone had used my information from an old address that i lived at the open up this account and had even paid part of the balance on it. I didnt even live at this former address for 2 years when this account was opened. I called XXXX XXXX on XX/XX/XXXX  to see if they could help me verify that this account was opened by identity theft and they said since i had a creditor investigate it that they couldnt do anything to help now. I didnt even know that this account was opened since i have never received a bill to my current address. I have asked that XXXX again look into this as fraud because it is and i have no awareness of this account. Please make this right. Thank you.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

On XX/XX/2023, my client paid me {$4000.00} via wire from their account at XXXX to my business account at XXXX XXXX XXXX XXXX that was managed by Wise. ( https : //wise.com/ ) Also on XX/XX/2023, XXXX XXXX XXXX XXXX and Wise formally ended their working relationship. 

I received one email message from Wise notifying me about this transition on XX/XX/XXXX : " Your old account details will continue to work until XX/XX/2023. After that, any payments sent to these details will automatically be refunded to the sender. '' Based on this language, it was unclear whether the wire would go through or not. I contacted Wise and was told it would not go through and the money would be refunded to my client within 5-10 business days. By XX/XX/XXXX, my client had still not received a refund, so I escalated the issue with Wise via email and phone, providing official proof of payment as requested. 

It's now XX/XX/2023, and still no refund. I've uploaded requested documents with no followup, and talked to customer support multiple times. No one can provide a date the money will be returned and Wise is refusing to take responsibility for their mess. 

It was only once I quoted Wise 's transaction agreement that a Wise agent started to take my issue seriously : RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Wise US Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. 
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. 

If you want a refund, you must mail or deliver your written request to Wise US Inc. at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX or via email through our Help Center. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WESTERN UNION COMPANY, THE (MA)

This is continues on complain XXXX. 

After I received email from Western Union executive resolutions department " Please be advised that this wont bring any legal implications to you '' ( email attached ), risk collection department continuously harassed me with emails and phone calls " outstanding balance may be sent to a Third Party Collections Agency and your credit score may be affected '' see attachment. 
After the transaction was canceled by Western Union and money was returned to my bank account, I send this money using wire from the my bank account ( see attachment ) and then 30 days later Western Union ask for the money back, because they may be paying someone in XXXX. If this harassments not stop, I will start complaining in social media.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX loan. $ XXXX range balance. I am very clueless and I need an explanation from each of the Creditors.
Consumer complaint received 2022-11-08
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. (PA)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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
Consumer complaint received 2024-03-15
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. (LA)

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AAA Collections (ND)

Anytime I have talked to someone and asked them to help verify the debt and if its even mine for better information for me to review they have only told me a date of service and a hospital or clinic name. I can not verify if I actually owe this or if my insurance made the payments etc. There was an insurance change the providers needed to work through therefore any debt during these times should not have been moved over to collections and likely could have been paid. 

I spoke to someone, a gentlemen I dont remember the exact date but possibly in late spring early summer of XXXX  who was very rude and wanted nothing to do with helping me determine this was actually legitimate or for me or someone in my family. When I continued to ask for assistance he got rude and told me it was my problem and to pay my bills I explained what happened with the insurance and some other things the hospital was waiving payment for due to the financial assistance and wanted to make sure the hospital didnt already remove that as to which he didnt care. He started to fight and yell at me on the call that he would have to send it so they could prosecute me in court for this debt if I didnt figure it out. How can I figure it out if I dont have all the information I need? He said the dates were on there but I saw no dates or actual dates of service just a date they had possible the date they got the debt? I am not sure, I told him if he wasnt going to help me help them to just stop calling. I finally had to hang up because I was so upset by the conversation and feeling cornered. I have gone back in my phone records and do not see anything since XX/XX/XXXX of being contact again by then regarding this. I did not see additional letters either come to me son figured they must have figured it out. I then today got a letter saying I needed to make an acceptable payment arrangement for these.