davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NC)

Chase XXXX XXXX card at a XXXX balance for a year. Paid off in XX/XX/XXXX. In XX/XX/XXXX they charged a my account a {$49.00} annual fee when I thought that would not happen on a paid off account. Did not send me a bill, did not attempt to make live contact even though had phone numbers, have never been late before. Customer Service said they sent me an email notifying me of the charge but I never opted out of paper statements. I dont use my email address much at all and chase sends multiple spam emails a week so I would probably never have known. I would have expected a bill, notice of past due account, or even a call or text. Nothing. Charged me a total of {$110.00} from that {$49.00} plus fees and interest. Found out while loading applications on to a new phone and signed into the app. Otherwise would have never known. I tried to pay the bill completely off immediately upon discovery but the only over the phone option is to give Chase your full bank account number and routing number giving them full access to your personal accounts. Asked them to close the card and notified I would send them an electronic payoff from my bill pay service today which I did. Most upset that they potentially will report this account past due and could continue to affect my credit for many years if they report closed in past due status never turning back to an XXXX. I feel this was an error and lack of effort on their behalf. Error by claiming I opted out of paper statements. And lack of effort to make live contact with in a reasonable time period. Seems predatory and they were able to charge me {$110.00} for a card not used, tack on fees and interest because I was not adequately notified, and then try and convince me to give them access to my back account rather than providing additional payment over the phone or online options. They have caused a dropped our credit score which means other creditors will now charge more. Credit score was XXXX prior to this. Always make sure our bills are paid on time and they have hurt our perfect record. Customer service supervisor did not help in any way or agree to discuss credit reporting corrections. I paid the money, though deceptive practices were in place that caused the charges, but Im not okay taking a credit score hit with no accountability on their behalf.
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

Loan # XXXX, in the amount of {$1100.00}, with a first payment due date of XX/XX/XXXX, was paid in the full amount of {$1100.00} onXX/XX/XXXX.

Online account still reflects balance due of {$140.00}, but when I view the transaction history in the same online account, it reflects a balance due of {$8.00}. 
When I contacted Advance America at their telephone service center, a representative said I owed the {$140.00} instead of the balance reflected in the transaction history. 
I have made several recent loans with this firm and paid them all off before the first payment date, and never had this occur before.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

15 U.S.C. 1681c-2 4 DAY BLOCK AND DELETE of fraudulent personal identity information. According to the Consumer Report received from EQUIFAX on XX/XX/year>, and XX/XX/year>, and XX/XX/year>, the Fraud Alert contains an incorrect name, fraudulent phone number, and nonmailable address information. I have previously sent Equifax notices and supporting documentation required to correct my personal information back in XXXX, XXXX, and again in XXXX, XXXX, XXXX, and XXXX of XXXX, and Equifax continues reporting false and inaccurate information. PLEASE SEE ATTACHED Proof of IDENTITY and ADDRESS is again provided with Redacted non-relevant information for my protection on the documents requested.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX, XX/XX/2024, I got a call from XXXX XXXX phone number ( XXXX ) said that someone stole {$XXXX} from my checking account. He walked me through every steps to get my money back. At first, he told me to go to my keypad and typed in a line of numbers. After that, my phone went grey and I think he has access to my phone because he could see what I was doing on the phone. He told me to type in the name, address and rounting number. He told me to click transfer, and I lost {$XXXX} instead of getting it back. I realized he was a scammer right away and called XXXX XXXX to cancel my transaction and file a claim. I also went to a XXXX XXXX branch and talked to the banker to figure out what was going on. They said they will try to get my money back for me. I also filed a police report to make sure that I got help right. I hope that you can help me get my money back because it was clearly I got scam from XXXX XXXX phone number.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A CREDIT REPORT WAS PULLED IN XXXX AND XXXX DIDN'T APPEAR ON TRANSUNION. ANOTHER REPORT WAS PULLED IN XXXX AND XXXX APPEARED ON TRANSUNION. XXXX NEVER SENT AN NOTICES. PER MY INVESTIGATION, TRANSUNION IS REPORTING MY NAME SEVERAL DIFFERENT WAYS WHICH INDICATE THAT THERE IS FRAUD GOING ON WITH MY NAME, DOB AND SOCIAL. THIS ACCOUNT REPORTED TO TRANSUNION FROM XXXX DOES NOT BELONG TO ME.
Consumer complaint received 2023-04-21
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. (NY)

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 Account : XXXX XXXX  # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX 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 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, 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 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I contacted support to remove a {$40.00} late fee that was placed on my account when I had paid on the day it was due. They refused to remove the fee because they work off east coast time and they see me as having paid 38 min late when I was actually before the end of the day. This issue is extreme and unfair and unreasonable to charge and is just a way to increase profits. In no way is there a financial hit the company takes by charging these high fees. They don't need to some kind of cost of lending because a person pays 38 min late in east coast time. This is truly predatory lending.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (VA)

Dear Sir or Madam : I am writing to lodge a formal complaint against the Army & Air Force Exchange Service ( AAFES ) for initiating an improper involuntary allotment of {$280.00} with the DEFENSE FINANCE AND ACCOUNTING SERVICE ( DFAS ), scheduled to begin on XX/XX/2023. I have not received any response to my notice of dispute and billing error dated XX/XX/2023, citing the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601. 

As a victim of fraud, identity theft, and mishandling of my legal name, my Social Security account number has been traceable to federal and state government agencies systems of records and actions. This unfortunate situation has significantly impacted my financial well-being and credit standing. 

The repercussions of these criminal activities have caused considerable distress, and I have been actively working to rectify the situation, engaging with law enforcement, credit bureaus, and relevant government agencies. I am committed to resolving this issue and protecting my financial integrity. 

While I acknowledge that valid financial obligations are expected to be paid timely, the aforementioned fraudulent activities have resulted in erroneous financial obligations being attributed to me. Despite expressing a willingness to fulfill any valid financial obligations, AAFES has failed to respond to my notice requesting the corporations legal status of the payee identified on my billing statements and credit reports. More importantly, AAFES has not explained why the payee placed in the make check or money order payable to on the billing statement appears to be a non-existent entity. 

Please see attached documents for further details.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

XXXX  I paid off my Amazon card. I called Amazon credit services on XX/XX/XXXX because my acct showed negative {$52.00} I was told it was a credit. I tried using it towards a purchase but it wouldnt work with their assistance. Finally in XXXX I was issued a refund in form of a check. On XX/XX/XXXX I paid off my acct {$270.00} On XX/XX/XXXX I purchased deco mesh Wi-Fi router extended I had to return it on XX/XX/XXXX and recieved credit of {$100.00}. I watched my balances it never reflected refund of {$100.00}. I paid {$160.00} on XX/XX/XXXX watching to see if credit was made no it wasnt. I called Amazon credit XX/XX/XXXX at XXXX spoke with XXXX employee Id # XXXX she said she saw it said credit says applied but it never was because I kept paying off the balance. She said she would report to billing give them 30 days to get credit.I called XX/XX/XXXX at XXXX spoke to XXXX he said I would have to call XXXX he couldnt transfer me than said she wasnt in. All these calls Ive asked for my {$100.00} credit back in a check. I tried calling Amazon customer service they said they cant help. Recently I had another credit of {$14.00} on XX/XX/XXXX it never been posted or given back. Also a purchase was made XX/XX/XXXX I didnt buy anything. {$14.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

ACCOUNT WAS INCORRECTLY REPORTED DELINQUENT. PAYMENTS WERE MADE AS AGREED VIA AUTODRAFT THAT WAS SETUP BY THE CREDITOR. HOWEVER THE PAYMENTS HAVE BEEN REPORTED LATE AND DELINQUENT.
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Kiavi, Inc. (OH)

To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with Kiavi and in accordance with Ohio state statute ORC Sec. 1343.011, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %.

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest.

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with Kiavi and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute.

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with Kiavi and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy.

I am attaching copies of both the loan agreement provided by Kiavi and a copy of Ohio state statute ORC Sec. 1343.011 for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first three years of the loan term.

If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MN)

This collection is being reported on my credit in violation of the FDCPA. For that reason I am disputing it, until the investigation is finished I ask you to stop reporting the account on my credit report, otherwise I will file a small claim
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/XXXX, I initiated a transfer via Western Union for {$180.00} + {$12.00} service charge, for a total {$190.00} ( tracking # XXXX ). Two hours later, the recipient ( my son ) told me that WU refused to release the funds to him, and WU stated they were refunding the transfer to me ( the sender ). No reason was provided by WU. I went to a different WU outlet ( a different XXXX grocery store ), and they finally issued a refund in the amount of {$19.00}. The refund was reduced by a factor of ten. Someone obviously left off a zero. The clerk told me that what I received was the entire refund, and there was nothing she could do. I went back to the original XXXX to retrieve the rest of my transfer stub ( which I had thrown away and was fortunate to retrieve ), as directed by a WU supervisor. I tried to get the rest of my money there, and instead was given a case # XXXX and told to wait 24-48 hours! The next day, I called WU again, and spoke with a supervisor. They told me to go back to the 2nd XXXX ( who gave me the {$19.00} refund ), and that store would give me the balance of {$170.00}. So I drove back to the 2nd XXXX on XX/XX/XXXX, and they told me I already got my refund! ( Again! ) I wrote a letter sent certified mail on XX/XX/XXXX, received XX/XX/XXXX. Still no callback from WU. So I spoke with another WU supervisor and got another case # XXXX, and told to wait another 24-48 hours while they " investigate ''. There's nothing to investigate! It is abundantly clear that I was underpaid by a factor of ten. That's it. No investigation required. I was told to wait for a callback from WU, and when I still got no callback 24 hours later, I submitted a complaint on WU 's website claim form. I have now received yet another case # XXXX, and told to wait 24-48 hours! I am still no closer to getting my money back. Help!!!
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dated back in XXXX For XXXX XXXX credited by care credit. 
The XXXX XXXX wasn't worthy of the debt. I've had several XXXX and XXXX XXXX. 
PRA threatened to seize my assets or put a lean on my bank account if not payed.
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I briefly resided in an apartment complex plagued by numerous issues, notably mold and cleanliness problems. During my discussions with management, I was explicitly informed that I could vacate the premises without penalty. However, management resorted to unlawful practices, such as attempting to impose unwarranted late fees. I withheld rent only during periods of active dialogue with management, who frequently delayed responses due to their absences and other reasons. 

The property consistently faced issues, and my complaints resulted in increasingly hostile behavior from the staff. Despite ongoing discussions with their attorney to facilitate my departure and resolve any outstanding matters amicably, I unexpectedly received an eviction notice. Eventually, they withdrew the eviction case, yet shortly after I moved out, Fair Collections & Outsourcing reported an erroneous XXXX  debt on my credit report for unpaid rent, despite no outstanding balance. 

Upon immediate inquiry, I was directed by their attorney 's office to contact FCO directly. Despite sending multiple letters requesting verification of the debt and offering to settle the alleged amount in full, FCO has not responded to any of my correspondences. Even direct appeals to the CEO, XXXX XXXX XXXX  yielded no resolution. 

This unjust collection item prevents me from purchasing a home or obtaining credit. I have been unsuccessful in seeking assistance from credit reporting agencies. Urgent intervention is needed to rectify this matter and expunge this erroneous collection from my credit profile.