davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (CT)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-21
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. (CT)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have to drive across town to the only Chase ATM. I've gone there and sometimes that one ATM is out of order. This has happened at least eight times since I switched to Chase a year ago. Sometimes there's a line that is wrapped around the building. I waited in line for over 30 minutes only to get to the ATM and my debit card got stuck inside and I was lucky enough to be able to retrieve it before I left. And I left without depositing or withdrawing money because the ATM was out of order. This is an issue because my local Chase Bank is 35 miles away and I have to call chase to despute fees. It shouldn't be my responsibility to call chase to let them know their machine is down. And there should be a easier way to report it to chase at the ATM or on the app.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX The XXXX XXXX XXXX XXXX ( XXXX XXXX ) along with XXXX XXXX ( XXXX XXXX and XXXX XXXX ) sold me a house that they were not authorize to sell from XXXX XXXX XXXX XXXX XXXX. Now XXXX XXXX is trying to foreclose on the property after XXXX XXXX wouldn't allow me to make the mortgage payments. I want my {$40000.00} back plus the {$10000.00} spent on fixing the property since XXXX XXXX want the house back.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE SYSTEM ALSO 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 2024-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

We submitted an error resolution notice to United Wholesale Mortgage on XX/XX/XXXX requesting that our payment be posted correctly for the amount we made them. The mortgage payments that we made are not reflected in the transaction history as we made them. We have bank statements that we used to verify this information. We were reported to the credit bureaus as delinquent by United Wholesale Mortgage while they researched our situation and they have not been cleared although they have confirmed the payments were made. We also received notice of possible foreclosure due to this. The response we received from them on XX/XX/XXXX was that they re-posted all payments correctly, but the payments are still not the amounts that we made. On XX/XX/XXXX We received a follow up letter stating we didnt make a full mortgage payment in XX/XX/XXXX so that caused our account to be delinquent. They stated we had made a payment of {$3400.00} which is correct, but it was a partial payment because they had credited our account {$1900.00} from subsidy payments, they owed us from XX/XX/XXXX to XX/XX/XXXX. The total of these two partial payments adds up to the total due XX/XX/XXXX which was {$5300.00} plus the subsidy United Wholesale Mortgage needed to credit our account of {$470.00}. We have not been able to talk to Management or the error resolution team to resolve this issue directly with them. The transaction history is excessively confusing with reversals and credits and it's very hard to understand and we believe there is money missing. We have had to use surplus money in our escrow account to make our account current due to their accounting errors and we don't feel we should be paying for their errors. 
This issue or discrepancies on our mortgage payments started since the beginning of our loan payments in XX/XX/XXXX. Our loan agreement involved a subsidy of {$470.00} per month to be credited to our payment for the first 12 months that was not credited to our mortgage account until XX/XX/XXXX as a lump sum of {$1900.00}. The customer service representatives that we talked to agreed that their system was causing errors with the subsidy not posting with our payment and causing the payment to be late. This situation has caused us to spend more than 25 hours of our time dealing with multiple customer service representatives and has caused a lot of stress trying to fix these issues month to month with no resolution. We are desperate for help. We have never had an issue like this with a creditor. We have not been able to refinance due to this situation as well.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

I am a federally protected consumer who entered into a consumer credit transaction with Chase. I recently logged in to my account and noticed my account was closed XX/XX/21 without my permission. I made the minimum payment as I do every month and they decided to close my account which they do not have the rights or power to do so. I gave them my credit as the natural person/consumer in this transaction. They did not lend me anything as banks can not lend money/credit pursuant to 12 USC 83 . I mentioned billing errors on my account weeks prior and they did nothing about it. I believe this was the reason for closing my account and is a direct violation of the Equal Credit Opportunity Act. I will be sending my complaint to the Office of the Comptroller of the Currency as well as the Attorney General for Chase Banks Malicious Practices against a consumer. I want CFPB to publish this so that other consumers know their rights and aren't afraid of these bullies. This is my oldest credit card and they have ruined my credit. Please see conversation about the billing error that was never handled prior to account closing. I even tried calling and im on wait for 30+ minutes just to be hung up on multiple times. No one even answers the phone for me anymore. This is how they treat a consumer. PLEASE PUBLISH THIS FOR THE PUBLIC TO SEE.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo closed my business account without notifying me or providing a reason why. I made payments EVERY single month. When I called the representative had a hard time finding my files. They refused to reopen my account and was very nasty and discriminated against me because of my nationality it was absolutely no reason for them to close my business account
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Manual payment of full statement balance made on XX/XX/XXXX for {$2200.00}. XX/XX/XXXX charged an additional {$1600.00}. Credit card balance now shows - {$1600.00}. Company admitted no fault citing auto pay of statement balance. However, statement balance at time of second charge was miniscule due to recent manual payment. Only fix action offered was refund check arriving at the earliest XX/XX/XXXX ( Time of complaint XX/XX/XXXX ).
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I had a mortgage with Well Fargo in XXXX  and ask for a loan modification and didnt realize XXXX. My home went into foreclosure. XXXX checking to see if I was XXXX of Wells Fargo customers who gets a settlement. My address have change I now live in Virginia. My new address is XXXX XXXX XXXX XXXX XXXX Virginia XXXX. My phone number is XXXX
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (TX)

This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX  Balance {$24000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2021-12-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I received a letter in the mail from Ad Astra Recovery services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I live in XXXX, Texas and NOT XXXX Kansas XXXX.
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I have previously made a compliant on Chase Bank. They allowed XXXX separate fraudulent wire transfers to come out of my account WITHOUT my permission! I have yet to have a resolution with Chase! They first sent me the incorrect forgery packet. I have given every single piece of evidence and every report I have filed ( with police, and FBI ) looks like Im going to have to find an attorney because they closed my case sending me a different forgery packet. They have had over 2 months to respond and they have yet to get in contact or able to give me any answers on the status of the claim other than me receiving a paper stating they are once again closing my claim. They tried to close my claim in the beginning without investigating. XXXX is approaching and I need my funds back into my account. I feel very taken advantage of and violated by this company. I thought me putting my money into a bank was a safe idea, obviously not when they can get away with stealing your funds right under your nose without your permission.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (GA)

There are 2 medical collections from XXXX that are not mine nor are in my name or as the financial responsible party. The accts are listed as individual accounts, every time I dispute them they will appear again, I have asked for the original wet signature of the doctors application showing I am the holder and responsible party for these accounts, I have yet to receive them. Why? because they don't belong to me.I have advise the collector of this fraudulent violation. I am not responsible for these collections and I will not be held accountable for them! I have consulted with my attorney. This is a hinderance against and my character. At this point I am prepared to sue for court cost, legal fees and time if these are not removed and deleted forever. I am sick in tired of this company reporting fraudulent claims. I only need to find a few people in my position to cause a class action suit.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

On XXXX XX/XX/2024 my debit card, email address, and phone number was hacked. Unauthorized deductions were made from my bank account. I filed a fraud claim with Wells Fargo. After a week, they concluded the charges were legitimate and would not reverse the charges. The charges made to my account were not made by me or authorized nor verified by me. I informed Wells Fargo my email address and other info outlined above had been stolen and/or hacked.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

Hello I took my XXXX old XXXXn to the emergency room, he had a really bad XXXX XXXX they did a can scan, I give the hospital my insurance car he had medical. First I got a bill saying that everything was pay off, but a month after they send another one that was in collections already I was confused so I call the hospital directly, they told me the reason was cause that bill was for the room, I was ok but you guys are sending to collection no notice no nothing just cause the hospital and them could not communicate whit each other I did Told her that was really unfair of them, I give her my insurance information a week later I got a letter that was pay off.I call ccs and told them what was going on the girl that answer say to me thank you and Hang up on me, whit the biggest attitude.I waited I keep getting calls I call them again they did not want to hear it I told the girl again I told her I will send you guys a copy the bill that is payoff I she ok whit a attitude and hang up on me again.I send them all they need to take me out their list I always take care of my bills and my credit I need help please this already pay off I have all the copies credit consulting services , Inc
Consumer complaint received 2023-01-20
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: JPMORGAN CHASE & CO. (CA)

I have loan with JP MORGAN CHASE & CO. HOME. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
JPMCB HOME XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2019-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is the complaint against Bank of America rewards credit card ending in XXXX in the name of XXXX XXXX. 
Id like to inform u that the bank is constantly imposing late fee and interest charges even though the payments were made in full without leaving any balance behind. During this whole year ( XX/XX/XXXX to XX/XX/XXXX ), Bank of America has imposed charges for {$28.00}, {$69.00}, {$110.00} and {$120.00} which makes a total of {$330.00}. These charges were imposed after the payments {$270.00}, {$220.00} and {$230.00} were made consecutively. 
I tried to speak to a lady over the phone, but she started yelling and screaming and not listening to what I was trying to say. So Im here requesting u to resolve this issue. Id really appreciate if u could resolve this issue by removing the unnecessary charges of {$330.00}. 
As a XXXX American, I have been facing XXXX  discrimination every time I visit Bank of America.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (VA)

Hello my name is XXXX XXXX i had a checking and savings account several years.ago ... that i know was.closef due to the bank not being fare to there custumers and charging ridiculous.fees.on.my account..the years tjat this happened wad.between XXXX to XXXX
Consumer complaint received 2021-12-20
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MD)

On or about XXXX XX/XX/2021, a day after the total balances on both my Chase XXXXXXXX XXXX were paid off, both cards credit limits were decreased. My XXXX card was reduced to XXXX, and my XXXX card was reduced to XXXX. Both accounts were, and are in good standing, never having a late or missed payment. Usage reflected large charges related to home improvements, consistent with previous usage. Historic usage patterns reflect both cards being paid off in full multiple times. In spite of also having had high balances on her card, my XXXX did not have her line of credit reduced. My name is XXXX XXXX, my XXXX name is XXXX XXXX. I believe my decrease is directly related to my name/ethnicity.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I opened an Adadvantage Aviator Business card on XX/XX/2019. I received the card, but it was locked pending business verification. I sent in business verification documents, but after over 2 months, the customer service representative said that the documents had not been reviewed yet and my account was still locked. The annual fee had already been charged for a card that I could not even use. Therefore, I closed the card and was told the annual fee would be refunded. 

The following month, I received a statement showing that I owed the amount of the annual fee. I called Barclays 's customer service and was told the previous representative made a mistake and the annual fee was not waived. The new customer service representative said they would refund the fee. 

The following month, I received a statement showing that I owed the amount of the annual fee as well as a late fee. I called Barclays 's customer service and was told the previous representative made a mistake. The new customer service representative said they would refund/waive the annual fee and the late fee. 

This cycle has continued for over 3 months, and the credit card account ( which was locked immediately after I received it, and which I never was able to use ) still shows a balance from the annual fee and late fee, despite multiple customer service representatives saying they would fix it.