davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

I took out My Chase plan via my Chase XXXX card. My terms were {$330.00} a month for 6 months at 0 % APR and {$0.00} fee. Made my first payment in XXXX, continued to pay my credit card as I do before the billing cycle for my standard purchases. I now have only XXXX payments left on my plan as Chase allocates ALL payments to the 0 % interest first. This is not explained or noted clearly or obviously. I called and spoke with an agent who was just as confused as I was. Then a manager joined the line to explain.

I feel like this needs to be investigated - I am OK to pay my bill however if Chase is doing this to me they are doing to others. This could/probably is costing people a lot of money when they thought the plan would help with a large purchase.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (IL)

On XX/XX/XXXX I made a transaction at the XXXX XXXX for a total of {$4400.00}. To finance this I opened a credit card at the XXXX XXXX backed by XXXX XXXX XXXX. When I opened this card I agreed to a promotion that allowed for 18 months of XXXX percent interest. This means that the promotion expires XX/XX/XXXX. Starting on XX/XX/XXXX I started making monthly {$300.00} payments to this balance. This continued until Concora Credit bought the balance from XXXX XXXX XXXX in XX/XX/XXXX. At that point I had made 11 monthly payments ( through XX/XX/XXXX ) of {$300.00} to my balance. Therefore, the balance at the time of the transfer to Concora was {$1100.00}. 

Upon transferring the balance to Concora, XXXX XXXX XXXX applied the full interest amount to the promotional balance. My new reflected balance as of XX/XX/XXXX was {$2400.00}. I noticed this balance immediately and called Concora in XXXX. I was notified they were aware of the issue, the balance should not include the additional interest, and they were working on it. I accepted that and restarted my auto payments of {$300.00} with Concora assuming this balance would be corrected.

The following month of XXXX statement came out with no adjustments to the balance. Additionally, because they had erroneously issued me two account numbers my autopayment did not go through and they charged me {$67.00} of late fees. I contacted Concora again on XX/XX/XXXX. On this call it was again confirmed the balance was incorrectly including the interest. I also explained what happened on the auto payment, paid the XXXX {$300.00} payment while on the phone, set up autopayments again, and Concora offered to remove the late fee. On this call, I was assured that the next statement I received would show my correct balance. 

On XX/XX/XXXX I received my XXXX statement showing a balance of {$2000.00}, not only was the late fee still included in this balance but obviously no adjustment had been made to the erroneous interest. I contacted the company again, was transferred three times to a senior manager who after asking my name before even getting a response promptly hung up on me. 

To date, I have made 12 payments of {$300.00} to my original balance of {$4400.00}. The remaining balance should be {$830.00}, not including any late fees as I have made every effort to pay the correct balance down on time.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

I am prompted to agree to terms and conditions when logging into Ally Bank to manage my accounts. I agree to them, and then a " system error '' occurs that does not let me into my dashboard. Ally is aware of the issue and has not resolved it nor have they provided any estimate on when I'll be able to access my accounts. This has been happening for months and I'm told over and over again that they will " escalate the ticket '' but then nothing happens. Ally Bank has falsely reported in a previous CFPB ticket that " It was determined you have been successfully accessing your AOS dashboard '' which is not true. I still can not access my accounts going on 5 months. I feel like my money is being held hostage at this point because Ally will not resolve the issue, lies about resolving it to the CFPB, tells me they will " escalate '', and then doesn't do anything meanwhile I can not even get enough access to close my accounts and move to a different bank.
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WA)

I am filing a complaint against Loan Depot. The team we worked with came out of the XXXX XXXX XXXX , XXXX XXXX, XXXX, TX XXXX office. 

In short, we recently performed a Refinance with Loan Depot. I work as a Branch Operations Manager in mortgage, so I am familiar with the TRID requirements. Loan Depot gave us a {$2500.00} Lender Credit that they attempted to take back.I have emails and multiple evidence of them lying in order to try to extort a {$2500.00} check, outside of closing. After we confronted them about their misconduct they have still not stopped and the branch continues to try to extort this amount from us. If we were not more experiecne in the field we might not have known. They used HUD and the FHA multiple times as an " excuse '' to attempt to lie and take the funds.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-21
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: CITIBANK, N.A. (FL)

I purchased back in XXXX some furniture from Wayfair, they had advertised 36 month 0 % APR on order over {$990.00} online order only. I ordered online and I applied for the offer. Citibank offered me the Master Card form Wayfair instead of the regular Wayfair. Instead I ended up getting 36 months with an APR of 9.99 % monthly. I tried to fix it and I got bounce back and forth between Wayfair and Citibank. I was on the phone for XXXX hours, I got the phone hanged up at me XXXX times and never got a call back. At the end they just told me there is nothing they can do. Neither Wayfair, nor Citibank wanted to resolve the issue. Misleading information, horrible customer service. Be very aware!!!!! I'll never buy anything else from Wayfair and I won't use Citibank ever again.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 2023-06-21
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: Bull City Financial Solutions, Inc (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 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 account without my written permission XXXX and XXXX n has stated XXXX XXXX was verified has failed to show proof of verification on more than XXXX disputes.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R&R Professional Recovery, Inc. (MD)

I have previously place a complaint XXXX against R & R Professional Recovery services. My complaint was to obtain verification and validation that the third party debt collector has the right to collect the debt. 

In the response given in the complaint XXXX R & R Professional Recovery has admitted that they are not the company responsible for collecting the debt. The company failed to prove validity to collect the debt they have placed on my report. CFPB obtained a response : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2020 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

By right the CFPB investigated and found that the collection does not belong to the company reporting on my credit profile. That is false reporting and a violation of collection practices. CFPB was asked only to look into the complaint as it pertains to the company reporting on my credit profile namely R & R Professional Recovery. It was reported to CFPB that the company does not have the right to collect. No other company is listed as an affiliate with R & R Recovery with attempts to collect the same debt. A  complete violation of credit reporting.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

It is showing on all 3 credit bureaus ( XXXX, XXXX and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Emergency room visit on XX/XX/2016. Visit was mixed up with my husbands debt. My visit was never filed on insurance and I never received a bill. Over three years later, I am contacted by a collection agency for a bill Ive never known about. I contacted the provider and insurance. The insurance would have paid the debt in full, but it was never submitted. Three years later is too late to submit it. The provider had it mixed up with my husbands debt, which was paid and fought with them for over a year to prove it. One month after initial contact about a service from over three years ago, a rude representative from the collection agency files it on my credit report. The provider would have been paid in full if they filed it on my insurance in a timely manner or notified me sooner so that I could make sure it was filed on insurance, but they did not.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (NY)

This issue pertains to my a ability to use my phone numbers ( XXXX ) and e-mail addresses ( XXXX XXXX ) with Zelle at XXXX and XXXX XXXX  where I have my personal and joint checking account, respectively. On XX/XX/2022, my numbers and emails were flagged by Zelle seconds after switching wireless providers. As soon the porting of my numbers was completed, I received an email from XXXX indicating that my number and e-mails had been removed from my XXXX profile. I tried re-adding both my number ( XXXX ) and e-mail addresses ( XXXX XXXX ) but continued to get an error message indicating that neither my number nor e-mail could be used with Zelle. I tried adding a different email but received the same message. I contacted customer support at both XXXX and XXXX XXXX, and they both indicated that Zelle had blocked my ability to use their service with my accounts but were not able to elaborate on the reason. Instead, they referred me to Zelle customer service. I contacted Zelle customer service in numerous occasions but all they do is refer me back to XXXX and XXXX, and once I called my financial institutions, they say that the issue is with Zelle and transfer me back to Zelle, where I am transferred back to the banks. XXXX of the many agents I have spoken to XXXX have mentioned that my numbers and emails XXXX have been flagged due to a violation of Zelle 's terms, but he did not specify which one, nor has Zelle contacted me with an official reason why my information is flagged. I have no idea what triggered this problem ( other than me switching wireless providers ) but would like to have an opportunity to address whatever the problem is. Zelle customer service, unfortunately, is unreachable and seems to be unable to provide with any information of what is happening. This problem has effectively crippled my ability to fully use my bank accounts at both XXXX and XXXX XXXX.
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AL)

I do not recall ever doing business with speedy cash. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company XXXX XXXX XXXX XXXX XXXX has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

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

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I have filed a dispute with XXXX, equifax and XXXX. I am unable to review my XXXX  report on XXXX XXXX XXXX. I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB I am writing to you with heavy heart that XXXX XXXX bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was  not their error.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Ive tried several times to have them remove the account because I filed bankruptcy ( XXXX XXXX ). It was removed in late XXXX but then it reappeared earlier in XXXX after Equifax had the data breach. However, XXXX XXXX XXXX ( US DEPT OF EDUCATION ) also keeps adding this account or updating when it should be closed on my Equifax report. Its currently identified as closed with the remaining credit agencies except Equifax. I need for this to be removed off of my Equifax report. I filed for bankruptcy in XXXX.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victimof identity theft I have file an ftc showing proof that I am a victim this account keeps coming back on my report Transunion and XXXX have removed it for once and for all but XXXX has been the only bureau that the account keeps putting the account back on my report
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Receivable Inc. (WA)

XXXX XXXX XXXX Wa Says I owe {$10000.00}, I have never lived or rented through their leasing agency, during the time that they are saying I rented from them I lived at XXXX XXXX  in XXXX XXXX. I signed a application for these apartments however I never signed any paperwork or had a lease, I remember they asked me for my social security and I put it in the application and all my personal info which I thought was weird. 
Accounts receivable XXXX
Consumer complaint received 2023-03-05
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: First Advantage LNS Inc. (FL)

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


XXXX Account XXXX XXXX {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX {$680.00} NAT CRED AUD ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I do not recall ever doing business with XXXX XXXX. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company ( national credit adjust ) has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Since of XXXX XX/XX/2022 to about the beginning of XX/XX/2022, Chase closed my account that Ive had with them for almost about 7-8 years due to fraudulent activity. Ive tried to explain to them that the activity cause was not done my me and I had no knowledge of this incident. I had to find out the hard way as I was attempting to log in though the banking app through my mobile device and states that they placed my account on hold/freeze and in order to unlock the hold I had to call in to verify my account but instead they took it upon their power to instead close my account and I was no longer able to open an account with them in the future. This really upsets me because I trusted this bank for the longest and I had trust in them to help me since I devoted my time and patronage for years. Now its been rather difficult since Im in the process of moving and to apply for an apartment lease will ask for bank statements which I wont be able to prove my income.