davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX CONSUMER ADJUSTMENT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-27
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. (LA)

On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Equifax about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

Equifax XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2021-09-27
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 (CO)

I got a credit card for a bed through Synchrony bank. I had two returned payments not go through ( I could swear they do that on purpose ). Because of this, they closed my account. I then decided to pay the entire balance ( {$700.00} on the XXXX on the XXXX ). Before the XXXX, I was already reported as late earlier this month ( XX/XX/XXXX ). However today ( XX/XX/XXXX ), I was reported as having a delinquent account on all 3 bureaus. I contact synchrony and they say that its the bureaus fault but it says the balance is {$0.00} in the details and it has already been reported as closed. I was reported twice in the same month for late payments but the account was closed and the balance was payed in full.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/23 I received a suspicious email in regard to a paypal transaction. This is not the first time this has happened. I called Paypal to instruct them to close my account. They informed me that there had been restrictions put on my account due to suspected fraudulent activity. They relayed that the only way for me to lift the restriction so that they could close the account was to upload my driver 's license to their site, and allow them to confirm my bank account. I stated to the rep that they wanted me to upload and verify my personal information while someone was trying to hack my account- this does not make any sense. They placed the restriction, they should be able to lift it and close the account immediately. I was able to confirm every " verification code '' that they text to my personal phone, which was used to register the account. I have not used Paypal in the last four ( 4 ) years. I feel that their request for my personal information, when they confirmed someone was trying to hack my account, is unreasonable. I only want the account closed.
Consumer complaint received 2021-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on XXXX and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OK)

I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.
Consumer complaint received 2021-09-27
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. (AZ)

Dear CFPB, I disputed a credit card charge with Chase Bank. The dispute process is supposed to protect consumers against rogue companies overcharging and wrongly charging consumer credit cards. However, Chase Bank 's dispute process is merely a machine that fails to ensure consumers are protected. 

In my case, I bought multiple tickets from XXXX for {$3300.00} per ticket, including their 20 % fee. I attempted to sell one of the tickets through XXXX, but the ticket never sold. So, I listed the ticket for sale on another website ( XXXX  ) and it sold almost immediately. So, using XXXX 's automated system, I requested that XXXX transfer the ticket to XXXX  to be delivered to the new buyer. XXXX charged me {$500.00} to transfer this ticket from XXXX to XXXX, so there is zero argument that they didn't know it happened. But, when XXXX transferred the ticket to XXXX, their system failed to remove the ticket from XXXX 's inventory, and XXXX then sold the ticket AGAIN, thereby double selling the same ticket. 

XXXX then charged me an additional {$3500.00} for their computer error ( not removing the ticket from their website ). So, they not only charged me {$500.00} to transfer my ticket to XXXX, but also charged me {$3500.00} for them selling the ticket again to another buyer. There system should have automatically removed the ticket from their inventory at the same time they transferred it from their system ( to XXXX ). 

Chase denied my charge back request because they don't have a process that cares to understand the circumstances. They have a " machine '' to process chargebacks without regard to consumer protection and common sense fairness. 

Chase is a giant multi billion dollar bank and they are supposed to handle disputed items fairly and with consumer protection in mind. But, they don't. And, they should be investigated accordingly. 

Sincerely, XXXX XXXX. Note the XXXX provided docs that I can't even read. And, you'll notice that none of said docs even address my dispute. Instead, they are just a regurgitation of their contract. But, they don't even touch on the glitch in their automated system that didn't remove my ticket from their inventory after they transferred it. It's an automated response by XXXX, and Chase just accepted the non-sense and didn't refund my {$3500.00}. It's unfathomable.
Consumer complaint received 2022-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-09-27
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: AMERICAN EXPRESS COMPANY (OH)

American Express customer service is beyond horrendous, the way they constantly talk over you and ignore every word coming out of their customers mouth that I have to go to the CFPB for this concern is ridiculous! On XX/XX/XXXX after reporting the incident to the CFPB they sent me a letter stating they would finally actually look at the evidence I kept re-sending them to see I was right in the dispute and would " issue my permanent credit for {$200.00} '' for the dispute. I kept waiting nothing! I know I didn't get the credit because I let the balance for the amount roll over awaiting for it to be credited back yet nothing! I checked numerous times through the chat to keep being told on my statement end date XX/XX/XXXX it would be issued ( I have the screenshots for the numerous times as well ). XX/XX/XXXX reached and nothing! I called today XX/XX/XXXX and all I got was a rep who hung up on me and didn't call back. Called again XXXX XX/XX/XXXX requesting a supervisor since I was hung up on to get a rude man who talked over me the whole time and wouldn't listen to a word I was stating. I want my permanent credit and honestly the dispute process with this ridiculous company makes me want to close all 5 of my cards out, including my business cards!
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

My husband has Citi XXXX XXXX XXXX. I am authorized user of the card. 

We were paying down this card for a while, not adding any more charges on it. 

Then they had offered a XXXX % interest for a XXXX  XXXX  period promotion. 
So we started using this card again instead of other cards we had. 
Unfortunately It looks like we cant pay it off completely by the end of the promotion. 
Citi card will make money by charging the interest on the amount that we left to pay at that time. 
The silver lining was that with XXXX  % interest charged, we wont go over the credit limit, so no over limit charges will be added on top of bone crushing interest. 
But then as the end of the XXXX  % interest promotions end approached ( XXXX ), XXXX, Citi decreased our credit limit down to XXXX  of what it was. 
So if we dont pay off much more than we planned by XXXX, which will be very difficult if not impossible, and the non promotional interest ( about XXXX  % ) will be added, then well go over the credit limit, then they can charge us the fee for going over the credit limit, too. 
When the XXXX  % interest rates for limited time was presented to us, we didnt or couldnt foresee this kind of trick would be played at the end of the promotional period. 
Credit card companies may argue this is perfectly legal but this isnt fair nor in good faith. 
XXXX XXXX card did the very same thing shortly before Citi card did this. 
So I suspect this is widespread trick credit card company play with, regular, working peoples money, credit scores, and lives. It needs to be fixed. Please help.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear CFPB RE : PPP1 SBA Loan # XXXX / Amount {$94000.00}. 
We are seeking assistance from the Consumer Financial Protection Bureau regarding a Bank of America PPP loan made to The XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX, Georgia XXXX ) under the Cares Act. The loan initiated via the SBA and the US Treasury was intended to provide some relief to small business during the pandemic to keep them from closing by covering employee payroll and rent etc. We can honestly state without the XXXX in the PPP1 funds the XXXX XXXXXXXX XXXX XXXXXXXX would have surely failed. Whats important to know is that we have attempted to reach out to Bank of America in good faith since XXXX, 2021 and to date they have failed to respond. We have literally hundreds of communication to BofA regarding this matter and to date the matter remains unresolved. 
The Problem : Bank of America is requesting that we pay 1/2 the funding from the SBA PPP be paid back n the form of a loan payable to Bank of America thats nearly XXXX of the XXXX they want to recover. Worse we were informed of this news almost 1 year into the pandemic, and 1 year after the loan documents were signed and closed. Again It's important to state the funds were spent on the required expenses by the time Bank of America stated they wanted 1/2 of the loan back in the form of a loan. This is odd as Bank of American has never approved a loan application for the XXXX XXXXXXXX XXXX XXXX, even for as much {$500.00} credit card its interesting that we can to get XXXX loan approved without as much as an application when it with Bank of America 's interested - unfortunately the XXXX loan amount has the high potential for default, and likely would trigger a bankruptcy for the XXXX XXXXXXXX XXXX XXXXXXXX Please see attached additional documentation
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have been trying to pay this loan off since XXXX XXXX XXXX! I started paying extra amount to the principal but it kept getting paid as a monthly payment with additional interest and then not being applied to my monthly payments! Which caused my account to reflect 30 days past due! Not to mention additional fees being added for no reason. I was told it would be removed and would go straight to the principal balance, in which did not happen! This is the 4th time this has happened on this account causing more interest to accrue on the account, making it harder for me to pay this loan off! They are now saying that I have an additional {$590.00} due along with the pay off amount of approximately {$1000.00}. This is not true and I will upload documents to prove what my bal was in XX/XX/XXXX. The additional interest that was owed at that time was {$1500.00}. Then on XX/XX/XXXX the additional interest was listed at {$2100.00}. That is not possible. It cant gain the amount of {$590.00} in 8 days at {$17.00} per day in interest! The most that it should have went up in XXXX is {$140.00} in which principal payments were made in the amount of approximately {$1600.00} total from XXXX through XX/XX/XXXX! I have been calling for an entire month trying to get this resolved to no prevail! When I ask to speak with a supervisor Im being told it would take 5 business days for a call back! In the meantime Im getting held up from paying the vehicle off being charged additional interest! I am at the end of my loan and maturity date is XX/XX/XXXX. I have been working diligently to get this paid off before this date, without the cooperation of Capital one!
Consumer complaint received 2022-05-13
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. (GA)

accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

The American Express on-line payment website is confusing at best ; or they are intentionally misleading consumers in order to generate late fees from credit card users. When you go to the payment page, you are asked to put in bank account, amount, date, etc. The problem is that you then click a button labeled " Make Payment. '' On every other credit card site, this language means exactly thatmake the payment, but on AMEX, you are taken to yet another screen where the information is repeated and there is yet another button that you have to click to actually make the payment. This is extremely confusing as the second screen appears more like a confirmation of payment, and if you are not careful, it's very easy to overlook clicking the second button. I have pointed this out to AMEX several times, because I have incurred late payments even though they can see I was on the payments page and just failed to click the second button. There is an easy fix to this. Simply label the first button " continue '' so that consumers aren't led to believe they have already authorized the payment
Consumer complaint received 2023-01-19
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 (SC)

Did not have overdraft protection so I couldn't overdraft and the bank charged me overdraft fees everytime something came in and wasn't enough money in account from XXXX XXXX  I believe. Said I owed them over XXXX $ in fees. This bank Wells Fargo in XXXX.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (OH)

My current mortgage is with Union Home Mortgage. I started the refinance process with a different company in XXXX. My home insurance is in escrow with Union Home and was due in XXXX. Since Union Home knew I was refinancing and it was not with them, when my home owners insurance came due they did not pay my insurance and did not notify me. I found out a week after the insurance was due when the new mortgage company requested the payoff statement so we could close. Union Home refused to provide them a payoff statement. I contacted Union Home to find out the insurance had not been paid. I went directly to my insurance company and paid the full year premium. Then Union Home provided me with a payoff statement that included a fee of {$4000.00} for XXXX ( forced insurance ) because they said the insurance lapsed. It had not lapsed as I paid it in full one week late since Union had not made the payment. They said I needed to provide the verification of insurance to them. I faxed it to them on the XX/XX/2021 and requested a payoff statement corrected. They said it would take up to 48 hours. I called back after not receiving a payoff statement a week later. They said I never faxed the insurance information. I refaxed the insurance information to two additional numbers they provided again. Union said within 48 hours I'd have the payoff statement. As of this morning ( XX/XX/2021 ), I still do not have the payoff statement. This is not the first major issue I have had with Union Home Mortgage which is why I am desperately trying to get away from the company, but they are preventing me from doing so.