davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

On XXXX XXXX, 2018, I did an online payment for my mortgage in the amount of {$840.00}. OnXX/XX/XXXX  Chase withdrew 2 payments of {$840.00}, which over drew my checking acct. As soon as I noticed ( XX/XX/XXXX ) I immediately called my bank and they told me that Chase submitted the payment twice. I then called Chase and they did show it paid 2X, but would have to further investigate to reverse the 2nd charge. She told me that my funds would be returned in 1-2 days, but to check my acct the next day ( XXXX XXXX ) and give them a call to see what was going on. Of course my acct was not credited on the XXXX. I called again and was referred to the " escalations dept '' and was then told that the girl submitted the paperwork regarding my second mtg, not the first. So they filed another claim regarding the 1st mtg this time. ( At this point I would like to mention that when speaking to any of these agents, I NEVER gave them my 2nd mortgage acct number to resolve this issue ) The guy said that part of the reason they couldn't take care of this any faster was because they just received a payoff check for the accts and that is what was causing the issues. ( I was in the middle of a refinance and they paid the accts in full. ) Again I was told it was going to take 1-2 business days for someone to get back to me. Remember, they over drew my acct and I had no $ while all this was going on. They told me on the XXXX that the 1st mtg was paid in full ( they actually received funds on the XXXX, but held onto the $ till the XXXX so they could earn more interest and charge me more interest ). Remember they told me on the XXXX they received payoff for the accts causing the trouble. After 8 days they " expedited '' my over payment and my escrow acct by check by XXXX XXXX. If the funds were received electronically, shouldn't they reverse them electronically? Well no, if you want to earn even more interest on the money they owe you while you wait for the check to be mailed to you, then wait for you to get home from work, then finally make it to the bank to deposit the funds. I definitely now know why they are called Chase, because when they STEAL your , you have to CHASE them down to get it back. Total XXXX!!!
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC (MI)

Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. 
I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. 
DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. 
Stop charging past due fees for your unfair practices.
Consumer complaint received 2018-08-16
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: AMERICAN EXPRESS COMPANY (NY)

We are having a huge credit score problem.

Two months ago, I hired a new nanny for my children. We added a credit card for her under our American Express account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by American Express.

Two months later, my nanny 's credit score was completely ruined : It went from XXXX  to XXXX  in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name.

I called American Express to explain the issue. She is an extremely responsible person who had a XXXX  credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )?

American Express again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report.

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do.

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time.

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a Bank of America credit card and I had a balance of {$16000.00}. I did some refinancing and in XX/XX/2018 I paid off the {$16000.00}. Then in the next month 's statement BofA charged me {$150.00} interest. I wrote to BofA disputing that I owe them anything since I paid off the balance that was on my statement. I received a short memo dated XX/XX/2018 stating " We've received your recent inquiry regarding the account listed above and we're researching your dispute ( s ) and will respond to you within 30 calendar days. '' As of XX/XX/2018 I have not heard from BofA.

But that is besides the point. When I pay off a balance I expect that to be the end of the matter and I do not expect to be charged interest on something I've paid off!
Consumer complaint received 2023-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

American Express restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.

According 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Pursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Universal Payment Corporation (CA)

Ive been paying this organization. Due to the Truth in Lending Act they didnt explain that this Loan was going to be on my credit report. They did not disclose this information bt the Truth in Lending Act. They are also reporting that I am late when this company held my payment on purposely for a month. I just made a payment on XX/XX/XXXX, XX/XX/XXXX. Ive been making payment for a year and i have all receipts. This made my account go into the negative. I was told this was a personal loan. They didn't disclose that information. I am a XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (PA)

Throughout this account 's history, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-08
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: The Law Offices of Mitchell D. Bluhm & Associates (SC)

Item was disputed on my credit report as this information is inaccurate. I do not have and I am not aware of a medical bill from XXXX XXXX. This information is negatively affecting my credit report and is inaccurate.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am not liable for this debt with PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said XXXX XXXX XXXX keep saying is accurate and they won't provide them with any verification.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (MD)

I have several inquiries from One main financial I didnt authorize. I have one from XXXX  XXXX  I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AZ)

Direct Express complaint I went to XXXX on XX/XX/2023 and believe my info was stolen or skimmed that day. I purchased stuff that day myself. On XX/XX/XXXX XXXX purchases were made online with my information at XXXX. I did not make these purchase. The amounts were {$400.00}, {$240.00}, {$240.00} and XXXX XX/XX/XXXX th another transaction happened for {$240.00} XXXX I did not make XX/XX/XXXX {$270.00} purchase happened. All these I did not do. XXXX The hacker or scammer or skimmer depleted my benifits and left my family broke and starving the remainder of the month. I reported to Direct express, disputed these charges and got a new card. They purposely sent papers in an untimely matter. But I still emailed hand written responses to the transactions in a timely matter. They never responded to my emails. They determined these were pre authorized and closed my case. 
I did not make these purchases this was not me. They would see that by where ever this stuff was sent to. Cause it wasnt to me. They stole my ssi benefits and my kids survivors benefits. My life has been XXXX and behind in bills since. Please someone help me make it right with Direct Express {$1600.00} in total stolen from me
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Yes I have a case open from a XXXX XXXX payment voucher was mailed in and picked up a account was already registered 2021 tax season efiled with state tax return for amended XXXX XXXX payment voucher with looking upon this payment update on this case. We ask to contact the North Carolina Department of Revenue in resolving this issue we escalated to the claims department a case was already updated the payment voucher was declaring was not sent in and ask to review with the 2021 payment was sent in. So I ask to review the XXXX XXXX  with the department of claims with the case number and ask them why the payment was not updated with the case.So send the case ID and update the registration with the claims department. Our government payment voucher was sent in with a case ID and update with a restoration officer with case ID and mailed in the review without updating the rest with the claim department with the case open because it settled out upon review in updating the claim at hand. So we give our update on the paper in the missing XXXXXXXX XXXX XXXXeturn with the case number and ask XXXX XXXX XXXX appoint the case number with the XXXX XXXX  payment voucher to update the claim we did not owe was sent with the case ID from the XXXX XXXX  payment voucher with the case ID review claim number payment voucher sent in on the investigation. As I can see we should update the review with the attorney with the North Carolina Department XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-18
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. (PA)

XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Consumer complaint received 2023-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CT)

These accounts are not mine. I have contacted the credit bureau ( XXXX ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General. These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my XXXX and XXXX report as they are aware these don't belong to me. Thank you.
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Over excessively fees charged for late payment and escrow yearly. Ive only received 1 escrow payments in the 17 years of making payments. Applied for loan modification services year ago and never processed just to receive payment for back payments process and lawyer fees twice. I cant caught a break due to over paid fees. Insurance companies payed once for repairs and Well Fargo kelp the check for 5-7 years before payment.
Consumer complaint received 2024-03-20
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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-03
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please update the status of this account ASAP. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$1500.00}
Consumer complaint received 2018-08-16
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: SYNCHRONY FINANCIAL (AL)

There are 2 hard inquiries on my XXXX  credit report by a XXXX XXXX and 1 from PayPal Credit. I have no idea of who or what these companies are.
Consumer complaint received 2024-01-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

This is a XXXX debt under {$500.00}. As of XX/XX/2023, this type of debt can no longer be reported to credit bureau and should not be showing on my credit report.. Phoenix creditor should not be reporting this XXXX  debt ( under {$500.00} ) to XXXX. 
XXXX should not be showing this creditor on my credit report.