davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

I have a Chase credit card that I used to pay for a home appraisal on XX/XX/22. Chase treated this transaction as a Cash Advance, despite the fact that it was just paying for a service and I received no cash. Because of this, they charged me a {$29.00} " Transaction Fee '' and Interest Charges of {$6.00} & {$13.00}. There is no way for me to know which transactions would be considered a cash advance. Their cardholder agreement defines a " cash-like transaction '' as " The following transactions will be treated as cash advances : purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions ; purchasing lottery tickets, casino gaming chips, race track wagers or similar betting transactions; and making a payment using a third party service. '' None of this applies to my transaction. I spoke with a Chase supervisor ( XXXX XXXX and he refused to refund the fee or the larger interest charge. Even more concerning is that he said there is no way for me to prevent these sort of mischaracterized cash advances in the future. I can't disable it. He also tried to blame the vendor I paid, saying that they asked for a cash advance and I could dispute the charge. I confirmed with the vendor that they did not do this and it was just a normal charge. 

My larger concern is that Chase is free to mischaracterize transactions, charge fees and interest, with no recourse.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Experian has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPB 's intervention to ensure that Experian promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated.I have attached comprehensive documentation and evidence supporting my disputes to this complaint. These records include but are not limited to correspondence with Experian, relevant receipts, and any other pertinent materials affirming the inaccuracies in my credit report. I believe that a thorough examination of these attachments will underscore the urgency and necessity for the Consumer Financial Protection Bureau 's intervention in resolving this matter. Your attention to the attached evidence is crucial for a fair assessment and swift resolution of the ongoing credit reporting discrepancies.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Fig Tech Inc. (FL)

A scam artist came across my social media profile online. His name is XXXX XXXX. He works for the United States Military and demanded my information after I declined several times he sent me pictures of him holding military graft firearms. He asked for my drivers license, address, school, bank information, and social security number. He began applying for credit cards to use at his discretion under my name. When I saw text messages from some of the companies I told him to stop applying under my name but he refused. He even went so far as to forge my signature and tried to provide them with copies of my personal documents such as drivers license, etc to make the companies think it was actually me applying for the accounts. I was charged for an amount by Fig Loans that later reported the fraudulent credit late on my credit report. This lowered my score along with all of the credit card company applications that fraudulently applied for by identity theft. Fig loans also billed my personal bank account and never refunded me the amount. I tried calling the company but they never answer. I also tried emailing them but when I did they stated they did not have my information in their system. This is contradictory to them reporting late payments in my credit report with my information.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

Timeline below ... 

- XX/XX/XXXX Fraudulent Charge {$520.00} from XXXX XXXX XXXX ( XXXX XXXX ). I was never in the XXXX XXXX or purchased anything from there. 

- XX/XX/XXXX Reached out to Barclay 's via phone ( they may have the call recorded ). I told them everything and they said to fax in the statement or mail it in which I did. They said it may take a  month or two to correct since it was over a year old but nothing was ever done. They gave me a case number XXXX. 

- XX/XX/XXXX - Resent fax - No response from Barclay 's - XX/XX/XXXX - I called back their fraud department and they said they never received the fax - XX/XX/XXXX - Sent another fax - No response from Barclay 's - XX/XX/XXXX - Mailed in a physical copy ... again no response. 

Since then I've reach out multiple times via phone and secure message on their website in my portal asking what is going on. They can't ever give me a straight answer and just keep telling me to either fax them or mail them which I've already done on multiple occasions. I know I am not the only one having trouble receiving reimbursement for fraudulent charges. I even had to close a previous card with them due to fraudulent charges.
Consumer complaint received 2022-02-20
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. ()

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave XXXX XXXX XXXX XXXX EXPERIAN any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
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. (TX)

I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but transunion and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

First and foremost, I know in lieu of the corona virus we are all facing difficult & trying times. The Banks are closed and business can only be conducted through atm or direct deposit. Which is a good move and I am totally fine with the Govenors decision. 
On XX/XX/2020 I deposited a check in the amount of {$2700.00} at the Atm on XXXX XXXX in XXXX, PA. 
The amount came out of my husbands XXXX account the next day. 
Yet for the past week when I go on line the funds are on hold. I called the bank, 40 minute hold time. I drove down to the branch yesterday XX/XX/XXXX,. I asked to speak to the manager the time was XXXX he was kirt, sny and very condencending. I was gravely insulted. not to mention, I have a history a XXXX XXXX XXXX. I was so upset I was worried for my life. 
He mentioned I may have a history with the bank.I do have a history of banking with TD bank for 18 years with no problems. The manager was a male who would not give me his name. I was at the drive through. ( corona virus mandates ). The manager was very unprofessional and upon my visit with proof the funds had cleared, This whole situation should have been avoided. 
Please do not hesitate to contact me with any questions or concerns regarding this matter. Thank you for your time and consideration regarding this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have item that on my credit report and i unable to upload the FTC report on experian credit file im getting a error messages on there end and im need some assitance and cant get hold of experian i have one fraudlent account that on my credit file i need to remove and blocked which is XXXX   XXXX and im uploading a FTC report to send off to the experian.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AR)

My husband list his job due to covid. He was laid off because his XXXX  had to close down. I called US bank because I saw that mortgages through XXXX XXXX or XXXX XXXX were allowing banks to let homeowners defer payments up to 12 months. I also saw where many banks were allowing you to add the missed payments to the end of the mortgage. 

I called US bank twice thinking the first person I got was wrong. I called on XX/XX/XXXX and XX/XX/XXXX inquiring about covid assistance. The only option they gave me was to put my loan in a three month forbearance but said the entire amount would be due once the three months was up. I said that doesnt help at all because my husband is now jobless. We arent going to magically have thousands of dollars in three months. I said Ive heard other banks are allowing you to tack the extra payments on to the back end of the loan. They said they werent doing that. I said this is not assisting us at all. They said that was my only option for assistance. As I said, I spoke to two different agents on two different days and they both said the same thing. I dont think its right that the banks get help during this time but do not extend the same help to their customers. Weve never been late or missed a single mortgage payment.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (CA)

I was notified by IC System on XXXX XX/XX/2020 regarding an alleged debt. IC System is the collection agency for XXXX XXXX XXXX. I have reason to believe this debt was incorrectly assigned to me ; my monthly payments to XXXX XXXX XXXX are current with my XXXX XXXX card ( see attached PDF XXXX XXXX payment history ). I have also used XXXX XXXX ( credit card ) in the past to pay for services to XXXX ; this card is currently on file. The debt does not explain what services are delinquent in payment ( s ).
Consumer complaint received 2022-12-28
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. (FL)

To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXX XXXX  : opened on XX/XX/2022 XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

While on vacation in XXXX on XX/XX/2020 I received a Fraud alert text from Capital One Bank to my cell phone at XXXX XXXX asking me was I attempting a {$2000.00} transaction on XXXX XXXX   to XXXX, at XXXX XXXX  I replied NO immediately I contacted the bank because my debit bank card was immediately shut off by the bank. I explained to the customer service fraud representative that I was on vacation and I was not sending funds to anyone on that day I was given a case number # XXXX as they would be working on the situation. On Monday XX/XX/XXXX I went into Capital One located in XXXX on XXXX XXXX. at that time I was told the account was still under investigation. The bank issued what they describe in my account as a XXXX credit until they complete the investigation, I received a letter from Capital One Bank dated XXXX XXXX stating that no error was found in the investigation and they would be recouping the {$2000.00} from my account on XXXX XXXX. The letter stated if I found that the decision was not correct I should call XXXX to speak with a representative and I did on XXXX XXXX @ XXXX XXXX  and spoke with XXXX regarding the investigation decision that is not accurate and I was told that this case would go back for further review, well as of today the bank took my money and they are at fault for any breach to that account because I did exactly what they asked me to do replied NO immediately. I do hold Capital One Bank responsible for this issue because on the initial date of occurrence the fishing of funds in my account started with two attempts to withdrawal XXXX that they did decline and a total of three attempts to withdraw these XXXX this bank has failed to protect themselves and me.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (GA)

I ask XXXX, Experian and XXXX 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Consumer complaint received 2020-04-02
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. (GA)

I ask XXXX, XXXX  and TransUnion 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Consumer complaint received 2020-04-02
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. (MI)

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXX ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Approximately 2 years ago I opened a credit account with Ashley Furniture ( Synchrony Bank ) with a zero per cent interest rate for 72 months. From the original purchases I was given a {$34.00} a month payment and I have paid {$50.00} every time. This past XX/XX/XXXX I purchased more furniture from Ashley, also with a zero per cent interest rate but for only 6 months time on that purchase with a total of {$480.00} due for that purchase. My first payment including the new purchase was XX/XX/XXXX and the amount was to be for {$63.00}. On XX/XX/XXXX Synchrony received an automatic payment from me for {$50.00}. On XX/XX/XXXX, XXXX XXXX same statement ) they received a payment of {$480.00}, the full amount of the XXXX purchase. On XX/XX/XXXX Synchrony received my regular payment of {$50.00}. I was also hit with a {$29.00} late fee for not paying the {$63.00} payment on XX/XX/XXXX. I had already paid $ {$530.00} for the amount that was due in XXXX! I talked to three different people at Synchrony Bank, the first was XXXX, didn't get the second name at customer service, but the third customer service supervisor was XXXX. She told me that I could not pay money early that wasn't owed. I read the statement showing the {$430.00} credit and she told me she couldn't help me because I was arguing, so I told her have a good day and hung up. I want a credit to my account for the {$29.00} late fee ( especially since it wasn't late ). Now my next payment has jumped to {$81.00}! The first two service advisors I spoke to said it was a glitch in the computer system that couldn't deal with early payments. I would like you to help me get the late fee refunded and my payment returned to the original purchase amount of {$34.00} a month, of which I will still send {$50.00}. I have the last three months statements ' if there is a need for me to get them to you. They do not deny that I have paid all that I have told you, but the co-operation was almost non-existent and my understanding from XXXX was that I would not be given any help by Synchrony Bank.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

My Amazon account has affected my credit, because there was a {$25.00} balance on it for 3 months and I did not know about. I was not receiving statements. I learned about this when I received a call that I was late on payments. I paid this and extra because I did not know what other fees they would attach, including any annual membership fees. At this point, I have a credit balance on my account. 
I have called Chase credit card company twice to close this account. They say they will close it, but I keep getting statements in the mail. I do not want the card, and no longer want to pay any of their fees.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

received a notification that some company by the name of amsher collection had added an ac count to my credit reeport. I have no clue who they are. they have not sent me a piece of mail allowing me to dispute or to say yes or no I am familiar with what they are talking about. I don't have a clue as to what they are talking about or who this company is that they claim to represent.
Consumer complaint received 2020-04-02
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: Midwest Recovery Systems (WI)

Hello, I checked my credit report in XXXX XXXX on XX/XX/XXXX and noticed a new collections account from Midwest Recovery Systems. I have never received any correspondence from this collection agency, nor have I ever borrowed money from " XXXX '', who is the listed " original creditor. 

It shows that the account went to collections on XX/XX/20 in the amount of {$1000.00}. Again, I have never received any sort of correspondence from Midwest Recovery Systems, nor have I ever received payment from XXXX. Upon looking into this issue, this seems to be a common problem with this collection agency.
Consumer complaint received 2020-04-02
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: EQUIFAX, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.