davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (VA)

Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.
Consumer complaint received 2022-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Navient is calling me and my mother who is the co signer on my private student loans. They call all hours of the day and sometimes pst XXXX or XXXX. They call more then 20 times a day sometimes. I am having problems paying each month my payments are XXXX a month and I can not afford that with all my living expenses. I have explained this and they said there is nothing they can do. My mother is on a fixed income and is XXXX XXXX XXXX. They harass her and call so much. If I can get her off the loan I would. They also ask her to pay and tell her if I dont pay they can take away her house. I asked them Politely not to call her so much and they said they have to but that much. They also call me that many times in a row sometimes too all hours of the day and night sometimes after XXXX pm. I would pay if I could but I cant afford it
Consumer complaint received 2018-05-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

My original mortgage with Greentree servicing had a monthly late fee that was {$5.00} and imposed after a 5day grace period. Ditech financial bought the loan and I was told yesterday that same fee would be {$65.00} per month applied one day after the payment due date with no grace period. This is a breach of my original contract that I signed with Greentree servicing and should not be allowed.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

CFPB COMPLAINT # XXXX ALL INFO IS THERE. YOUR RESPONSE IS A COMPLETE AND TOTAL LIE.

YOU ADVISED ME THAT IF I DO NOT OPEN A XXXX   XXXX ACCOUNT MY CARD WOULD BE CLOSED THIS IS TRUE.

THE LIE IS I HAVE ONE OPEN FOR A WHILE ALREADY.

I CALLED XXXX XXXX AND THEY BLAME ON YOU AND YOU BLAME ON THEM ... .SOUNDS LIKE 2 KIDS ... ...

SEE ATTACHMENT ... .STRANGE IF I HAD NO ACCOUNT ... ...

DEAR AMEX, TIME TO ADMIT YOU ARE WRONG HERE AND FIX THE ISSUE AND COMPENSATE OR I WILL TAKE ACTION.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was informed that my credit limit on my Chase XXXX visa had been decreased by {$1400.00}. The letter was dated XX/XX/XXXX. 12 days after Id made a payment in the amount of {$860.00} on XX/XX/XXXX. In addition to a {$62.00} payment on XX/XX/XXXX. Followed by another payment of {$500.00} percent n XX/XX/XXXX. Chases reason for decreasing is based on a credit pull from XX/XX/XXXX and as they described delinquency on my credit report. Meanwhile I havent had any recent delinquency on my accounts as they are all on autopay. I also havent missed a payment on this account since XX/XX/XXXX. Due my having the wrong bank account linked. But I have since made every payment on time since then. I find it very disturbing that this change would take place after I made good faith payment to significantly bring my credit utilization down. Where it was once close to 80 % I managed to bring it to around 35 %. Now with the decrease my usage is up to a high of 78 %. Not to mention at the time of the later my score had gone back to XXXX. While the credit score is explained to have also played apart in their decision, I was told the score had nothing to do with it. Ive even received credit limit increases from other creditors which is why Im so confused as to why this happened soon after making those payments. Chase explained that they could request a review of my account for an increase. But that would too affect my credit score. Which is something XXXX dont want to do at this time.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I called Chase Credit Card company on XX/XX/2015 that I wanted to stop any further charges from XXXX. I told them that I had originally authorized XXXX to use my credit card but now do not want any further charges from them placed on my account because I was paying them by other means. I was told a " stop pay block '' was placed and no further charges will accrue. The next billing cycle I had another {$100.00} charge from XXXX and I called Chase Credit Card company on XX/XX/2015, repeating what I told the last representative, to advise them of this unauthorized charge that I was paying by other means. The representative, XXXX, said I should have disputed the charge and that she will dispute the charge, that I will receive a letter that I have to sign and return in order to do so. I never received the letter. I received a phone call today from Chase saying that my account is past due. I opened the statement I received yesterday XX/XX/2015 and there is another charge for {$100.00} against my account. Now I am waiting for a very busy medical practice to call me back which is precisely why I simply wanted their access to my account deactived until I had another appointment with them. I have never received anything from Chase for me to sign to dispute this charge in order to stop this cycle of charges according to their rules. I would think two phone calls verbally requesting this would be sufficient. XXXX XXXX only requires one phone call to settle such matters ... for them my verbal authorization is sufficient.
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (TN)

The company 's response to CFPB case # XXXX is misleading and inaccurate as the dispute filed with Equifax ( XXXX # XXXX ) on XX/XX/XXXX was concluded on XX/XX/XXXX and despite all of the payments being reported as " ON TIME, '' they are STILL reporting the account was XXXX days past due, which is inaccurate given all of the other information. This inaccurate information is NOT still under dispute as the company 's reply indicates in their response to the CFPB case mentioned above. Attached is proof of that dispute from Equifax. The information was updated to include the DATE CLOSED as XX/XX/XXXX, but the DATE OF 1ST DELINQUENCY shows as XX/XX/XXXX. It is not possible to have an account become delinquent AFTER it is closed. They are also reporting that the XX/XX/XXXX ACTUAL PAYMENT AMOUNT was {$640.00} while also reporting that the DATE OF LAST PAYMENT was XX/XX/XXXX for {$41000.00}. Everything about this account is contradictory as it is being reported. It is clear that the information is incorrect, and it is adversely affecting not only my actual credit score, but my ability to close on the refinance of my home.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have tried 5 times to close a business checking account with Bank of America. I have cold there helpline visited their branches and each time was told the problem is resolved. Then a month later I get another statement with monthly charges. I am no longer interested in attempting to resolve this through the company oh, I have to do it through another means.
Consumer complaint received 2023-01-21
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. (OH)

Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Acct. name - XXXX XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXX XXXXXXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. 

In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). 

In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22, I ordered a {$200.00} gift card via Chase Bank by using the rewards points I had earned on my Chase Freedom Unlimited Credit Card. Though I received confirmation from Chase on XX/XX/22 that the gift card shipped, it was subsequently never delivered to me ( it was likely either lost or stolen while in transit ). I have contacted Chase customer service repeatedly in order to remedy this issue and receive a new card, including by calling their customer service agents 5 times. Though I was initially informed by a Chase agent that a replacement gift card would be sent to me, when I called back a week later to inquire about the gift cards status, I was told that the only action the agents can take is to escalate the case and that no more assistance could be provided to me. I have yet to receive the gift card that I paid with for my points over a month ago, and Chase has never reached out to me to inquire or attempt to resolve my issue. From my stance, I effectively bought an item from Chase, and Chase now refuses to provide me with my item, while holding onto the funds I used to purchase the item for 30+ days. I demand expedited delivery from my gift card, and I hope that bringing this matter to the attention of the CFPB will finally push Chase to resolve my issue.
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

On XXXX paid a medical bill to XXXXXXXX XXXX and on XXXX XXXX received a bill for that debt from paramount recovery. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from XXXXXXXX XXXX. Got the receipt from XXXX sent it over to the email provided to paramount on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, 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. (TX)

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX , XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XXXX  data breach.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a regular VISA credit card with Capital One. I was traveling in XXXX in XXXX and used my CO card for a cash advance from a XXXX XXXX. My statement for that period of time reflected the cash advance plus a {$10.00} fee plus an interest charge. There was NOTHING on that statement to indicate that there would be further interest charges. It was only today, after 2 more statements with interest charges, that I took the time ( over an hour ) to call and speak to 2 people at CO about why this is : that the interest fee payment is not applied until they, receive the payment and by that time more interest has accrued. 
In my case, the interest was minimal, but I can imagine that other individuals might get a cash advance for a much larger amount which could accrue substantial interest over many months. 
I have an excellent credit history. For about 40 years, I have been paying the full amount indicated on my statement every month in order to avoid finance charges. There was NOTHING on the statement from Capital One to indicate that the amount due was actually NOT the full amount and that future interest would be accruing. Without that information, people, like me, can not avoid these penalties. 
I hope that the CFPB can address this issue, as it is nothing more than a scam allowing the bank to assess hidden interest fees.
Consumer complaint received 2018-12-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Consumer complaint received 2018-12-17
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: CL Holdings LLC (CA)

XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Consumer complaint received 2020-06-04
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.