davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
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: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX  I placed an order with JCP for Black Friday specials, and when I went to check out, my JCP card wouldn't work. A coupon from XXXX Pay pal popped up on my screen and offered me an {$18.00} coupon if I paid for my order through Pay Pal. My JCP card was attached to my Pay Pal account, so JCP charged me six times for various amounts totaling {$470.00} ( they charged me only when they shipped the boxes out ). and then they charged me through Pay Pal for {$450.00} for the same order. I only received one order, but I was charged twice. I have tried to resolve this issue for over 8 months now, and it is still in dispute status, but has not been corrected. JCP is blaming PayPal and Pay Pal is blaming JCP, so I have been back and forth so many times, I can't count.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I went to pay a bill that was due on Bank of Americas mobile app. I realized I used the wrong bank account payment information. I called Bank of America and spoke to a representative who said she would cancel that transaction and then proceeded to take the correct bank account information for payment. She provided me with a confirmation number for the transaction. When I woke up on XX/XX/22, I got an email from my chase that bank of america withdrew the funds to pay the bill. I also got an alert saying i was overdrawn by {$2900.00}. This of course, is now causing me problems with all my auto pay bills coming out of that account. I then received an alert that they had also taken the amount of XXXX XXXX  as well. So Bank of America paid themselves twice for the same bill due. Now I am incurring all fees for bounced and overdraft amounts for autopays set up for the chase account. I dont have enough funds to cover and Bank of America is saying it will take ten days to refund. 
This is totally unfair since it was there misake, why should I pay all these fees?
Consumer complaint received 2023-07-11
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. (CA)

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. XXXX XXXX XXXXBalance Owed : {$15000.00}.
Consumer complaint received 2022-11-22
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. (MD)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXXXXXX 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 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

According to XXXX, XXXX  and Experian they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA in XXXX XXXX XXXX XXXX branch allowed some one to do a teller transaction for XXXX dollars on XX/XX/XXXX or XX/XX/XXXX and won't give me money back or let me see the footage not even the signatures My name is XXXX XXXX ss # XXXX
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I was XXXX cents short I my bank account with TRUIST & they charged me an overdraft fee of {$36.00}. I called on XX/XX/22 spoke to XXXX at XXXX then his supervisor, XXXX, they both said they will not waive a fee. TRUIST did this to me before I was {$5.00} short they charged 2 fees. This bank is rip off. Im going to the news on them. I was in the hospital & didnt have access to my account. Also, I had death on family couldnt get to my account from being out of town. I will close this account & get me another account elsewhere & let family, friends, business partners know NOT TO DO BUSINESS AT TRUIST
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, 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 an account without my written intrusions.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a capital one credit card. One of the promotional benefits of the card is the capital one shopping portal. When purchases are made via this app, reward credits are given based on the merchants specific rewards amount on that day. My rewards have been a challenge to receive and some have had to be entered manually. The problem is now the rewards are posted ( plus some additional manually added ones that I have from an email that will not show up on the posted reward page ) but the numbers are not adding up to give me the correctly owed. I have called and emailed many times. I never get anywhere because they do not offer phone customer support and I spend hours on the phone trying to resolve with lower level employees who in the end can not help because they do not have access to see my rewards. I get non responsive emails apologizing that there is no phone support but do not address my problem. I am very frustrated at the inability to get any customer support. I am hoping you can help. I have very clear documentation to support my claim.

According to my calculations : I should have {$150.00} available in my shopping rewards ( the {$94.00} listed as credited in the shopping rewards column plus the manually added rewards from the email of {$13.00} ) plus the {$50.00} extra I was given. I do have {$93.00} pending as well.
Consumer complaint received 2022-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (NC)

Someone used my information with Mercedes Benz Financial Services to receive a car in my name/ co-signer. I immediately disputed the inquiries from Mercedes Benz Financial and filed a police report and FTC report and these reports were sent to XXXX I never received a call back from them but I did contacted the investigator side of XXXX and they said oh we talked to XXXX XXXX XXXX and we stated I said it wasn't fraud! Not True! They contacted the person who stole my identity and he verified him as XXXX XXXX but it wasn't really me ( XXXX XXXX ). They removed the fraud account from my credit file and then put it back due to verifying the account with the man who stole my identity. Why would they call the mans cell number who used my information. Then they used a address in South Carolina and I live in XXXX NC.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I had made a purchase on my card and I was told by the dentist that it is deferred interest and that I would not be charged interest if I pay off the entire amount. I understood that whatever balance was left they would charge interest. The initial charge was $ XXXX and my balance was now {$900.00}. They charged me over {$400.00} in one lump sum in interest for the {$900.00}. I asked them about it and I said so basically if I even only owed {$100.00} you would still charge me {$400.00} for deferred interest? They said there are some exceptions that can be made. When I asked if they can reduce the {$400.00} since I have paid over half of it they said no. 
This was is called a promotion. So now hearing this I have another promotion that will end in XXXX with a balance of {$370.00}. I made a payment last month of {$150.00} so I can pay off the {$370.00} before XXXX. Then I called to get my balance, and noticed that the promotion balance was now showing {$310.00}. I asked them why it was only showing that amount and where did the other {$100.00} go? They said I would have to call in and allocate my payment to be applied to the promotion. Something else I was never told.
Consumer complaint received 2023-01-11
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: WELLS FARGO & COMPANY (PA)

Wells Fargo is reporting wrong information on my account. They have the wrong address wrong phone number wrong employment Ive never even worked at or had that phone number. I am asking for drivers license copies that were done at signing that would prove this address is valid. Ive never owned a house in my life and thats on public record they have me down as a homeowner. They have me down for a salary of {$2500.00} at XXXX XXXX  where I never work. I also never worked at XXXX nor do i know what that is. I am asking for this erroneous information to be deleted from my consumer credit report immediately.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair Credit reporting act XXXX XXXX XXXX has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out my written instructions.

15 USC 1666B : A creditor may not treat a payment On a credit card account Under an open End consumer credit plan as late For any purpose.
Consumer complaint received 2022-11-21
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. (WA)

Dear CFPB, Claim : XXXX XXXX  : XXXX Amount : # XXXX Please help me with a dispute with Chase XXXX Chase is not helping me. They keep the case for so long without a temporary credit and eventually just deny the claim without reviewing the documentations. I originally submit the claim on XX/XX/2022. They gave me a temporary credit right away, however, in late XXXX, they reverse the credit without a notice to me. I called them and they said the merchant provided them with document saying the charge is valid. They without letting me know and give me chance to response to it, closed the case. I then sent in more documents to response to the merchant. I pointed out the non-sense part of the merchant response. Most of this response are automatic and does not answer my dispute reason directly. 

I order a XXXX XXXX from them, and they sent me a XXXX XXXX. I then contacted them to request for a return label and ask them to check the camera to see if they sent me the wrong item. They eventually confirmed me in one email saying that they sent me the wrong item and provided me with a return label to return it. The return label says 3lbs on there for the weight and I questioned them right away. But they explained to me that, that's just pre-label, and every return label for this category of product would say the same 3 lbs since they have contract with XXXX  for cheaper rate. See the documents for your reference. 

I then returned the item. They received the item and never process a refund for me. I dispute with Chase, and they response to Chase that because the item I sent back is 3lbs and the item they sent me is 8lbs, they can not process the refund. In fact, those weight are not accurate since they are all type in number just for the label. Chase got all the documentation and I think those are too clear for them to decide what to do, and it took them 3 months, and they got back to me today denying the claim. I don't even think if they even worked on it. They just denied it. 

Please help me.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Veripro Solutions Inc. (AZ)

I have contacted Veripro Solutions, Inc numerous times in XXXX, XXXX, XXXX and XX/XX/2019 to try and settle my delinquent 2nd mortgage for less than owed. Each time I was verbally told the full payoff amount was {$47000.00}. I tried to settle for less than owed and each time I offered an amount, the representative stated they had to submit the request and never called me back. Now I have put the home up for sale and when the title company requested the payoff, it was {$61.00}, XXXX. This servicer never stated anything about past due interest in any conversation regarding the full payoff. I have tried to speak with the servicer of the loan but they state the payoff is out of their control. The owner of the mortgage note is a Trust that states I must speak to the servicer who is the acting agent on their behalf. The servicer should have to honor the verbal payoff amount of {$47000.00} as I have made attempts to reach a resolution to this balance due and have Veripro Solutions, Inc has never contacted me regarding a resolution or stated the payoff amount had changed. They state they recorded all conversations and I had them on speaker when communicating with them to have someone verify the conversations.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I established a political campaign account account about 4 years ago with PNC Bank, primary account number XXXX : XXXX XXXX XXXX XXXX, XXXX Account. I decided to close the account about 6 months ago and they refused to close the account both in writing and by telephone, asking me nonsensical and numerous questions. Eventually I sent a secretary to case a check for the amount of the balance, about {$2000.00} and they still refused to close the account even though the balance was zero. Now they state as of my XXXX statements that I owe them {$24.00} ; but the statement is not clear as to the amount.
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

My student loans are currently in bankruptcy forbearance due to me filing Chapter XXXX. My bankruptcy was amended to allow me to participate in the Public Service Loan Forgiveness program by allowing me to pay with the IDR plan. Loan status has not updated so I can re certify for IDR. Time that is being used as " processing '' is causing me to loss credit for months I can receive credit for.
Consumer complaint received 2022-11-22
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. (CA)

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 name : XXXX # XXXX, 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 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 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 name : XXXX # XXXX, 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 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 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my Experian report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are XXXX months but on my experian report XXXX  months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2023-03-02
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. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.