davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I think my identity has been compromised. I am traveling abroad to XXXX and on XX/XX/XXXX & XX/XX/XXXX fraudulent transactions took place in my Chase checkings account. That almost depleted my account by over XXXX USD. Two separate fraudulent transactions were occurred and one of  them was a check encashed by a person who I have not even heard of in my life. Not only that, my signature on check does not match my actual signature and hence ideally check should not have been processed. Also, I think the person has all my other information as next day another fraud happened in my account where money has been paid via ACH to a company named XXXX XXXX XXXX. I don't know why money has been transferred to them and this might be a much bigger issue if the fraud in this case has access to all other accounts. My biggest worry right now is that my money has been stuck and you can imagine how much stress will I be having right now as these are big transactions worth XXXX USD and XXXX USD respectively. I hope CFPB helps me out, I am more than happy to even go register an official police complaint. 

Chase will for sure follow their procedures but it is important that I involve CFPB as well so that I have someone who can use their clout and help me get justice
Consumer complaint received 2024-04-01
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: SYNCHRONY FINANCIAL (SC)

Care Credit has deceptive ways of convincing a consumer who needs medical or dental care to use their credit by offering a great promotion. Unfortunately, the promotion has a dead stop that consumers aren't aware of at the time and extremely high financial fees are immediately added to the balance owed. The option when calling for help in this matter is to pay several thousand dollars to eliminate further increased finance charges. 
That said I believe that payments made to the Care Credit Company were spread out over the balance in a way that validated nonpayment of the promotion so that Care Credit could enforce the repayment of all financial fees in one lump sum. 

I have since only been able to make arrangements to pay XXXX XXXX monthly for six years but they will not remove the overwhelming and financially burdening amount tacked on for not paying the promotion in full on time. 

Can you please help? I did find a court order on line enforcing the settlement of {$34.00} million to be paid to those who were deceived by Care Credit promotions. 

Thank you XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-03-18
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. (NY)

Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I received 4 emails from Wells Fargo Bank that they received an application for a checking account and that it was now open. 
I am currently a member of Wells Fargo Bank with a checking account and savings account. I did not request for a new account to be opened. 
I logged onto Wells Fargo and noted that there was in fact a new checking account. 
I called Wells Fargo and they closed the account. They did note that my Social Security Number and Drivers License Number were used to create the account. 
I opened an XXXX account to place a lock on my information to prevent any further requests. 
On XX/XX/2022 I called my local Social Security branch to see if my SSN had been used anywhere else and they confirmed no further activity. 
I am completing this if someone has my Social Security Number I would like it monitored to see if they attempt to use it for anything else.
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC (AZ)

The original Creditor, XXXX XXXX XXXX located in XXXX XXXX, XXXX which is owned by XXXX XXXX XXXX, sent me to collections on XX/XX/2014. The company they are using to collect the debt is Columbia Debt Recovery located in XXXX XXXX. The original amount owed to XXXX XXXX was {$1800.00}. Columbia Debt Recovery has been charging interest on the amount from the day it was handed over. I have reviewed the contract I signed when entering the lease for XXXX XXXX and did not find any language that would indicate Columbia Debt Recovery was legally able to charge me interest. I have reached out to Columbia Debt Recovery and asked them to verify where in the agreement it indicated they were able to charge interest and the representative agreed with me and said he did not see language either and I should not be charged interest. When I asked to have my report display the accurate information, I was told they would have to get approval before updating it and never heard anything further on it. 
Since I was getting no where with this company, I submitted a dispute through transunion citing an incorrect balance as the reason. Once the dispute was complete it was updated with a note that the balance would be corrected. Instead of actually correcting the balance, they added on to the balance, making it higher. 
I am getting nowhere with this company and what they are doing is against the FDCPA. I get an update that my balance has gone up monthly, It has a negative impact on my score and will continue to be detrimental every time they raise the balance with their bogus interest charges. The original balance was {$1800.00} my balance now with the fake interest charges is {$2900.00}.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

I am filing this complaint because WORLD FIN CO has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

Chase has been an absolute nightmare in servicing my loan. I closed the loan in XX/XX/2021. Since that time Ive had a number of issues with reamortizing the payment and getting the escrows paid out of the escrow account set up at closing. What is more annoying, and the reason I am contacting you today, is that they continuously apply my payments incorrectly. Every month I pay my mortgage a week or two early. Each month instead of applying my payment correctly they apply the whole thing toward the principal and then mark me as unpaid. Ive attached the most recent example. For the payment due XX/XX/XXXX I paid it on XX/XX/XXXX. Instead of applying that payment to the XX/XX/XXXX payment they applied it to principal and then marked my XXXX payment as not made. If this was a one time event Id assume it was just a banking mistake but its not. This is just the most recent example. In the past 6 months I believe they only applied one payment accurately. Every month I have to call them, have them reverse the payment and apply it correctly and waive the late fees. I prefer to send a check from my bank but Chase Escalation department suggested I use their online payment system. Ive given up on them doing this correctly by check so begrudgingly I now use that online system. Well, here we are, using their online system and still having the same issue. I believe they are either purposely not applying payments correctly in order to obtain late fees OR they are utterly incompetent at payment processing. It has become a part time job following up with them each month and its to the point where I have the hold music memorized.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid my balance off on my Bank of America credit card In XX/XX/2019 to a XXXX   Balance. It seems that a fee generated after that time which I was not aware of. Once I became aware of it I took care of it. Since I paid it down to XXXX and was unaware of this since I was told it was XXXX balance.
Consumer complaint received 2023-06-26
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-03-18
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 (TX)

In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, N.A. account ending in XXXX for {$3600.00} because I had been charged for goods or services that I did not receive. I had already tried to resolve the issue with the provider of the goods/services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) to no avail. I provided the bank with ample evidence of my contacts with XXXX XXXX, that I had paid him for the goods and services that I never received, his refusal to provide the goods and services that he had agreed to, and his refusal to provide a refund. I can provide this evidence to you on request. If you need this evidence, please call me at XXXX or email me at XXXX In the matter involving Claim Number XXXX for {$3600.00} a provisional credit was issued on XX/XX/XXXX for this amount. Wells Fargo contacted me in XXXX to investigate this matter and I provided them with several pages of evidence showing that I had paid for goods and services that I did not receive and that XXXX XXXX had failed and refused to provide these goods or service. On XX/XX/XXXX, Wells Fargo reversed this provisional credit and debited {$3600.00} from my account. When I contacted Wells Fargo by telephone to find out what was going on, they stated that they would investigate this matter further, but then never followed back up. Further, they stated that I needed to bring the dispute with the app that I had used to pay the vendor. Unfortunately, due to the time that Wells Fargo took to process my claim, more than 60 days had expired so I could not dispute this matter under the Fair Credit Billing Act with another party. Furthermore, I do not believe that their conclusion is a correct conclusion that I should have disputed this matter with another party. I used my Wells Fargo checking account and/or my Wells Fargo credit/debit card and expected to be protected as is represented on their website. Additionally, the person I paid ( XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX ) also had his account with Wells Fargo so the funds literally went from my Wells Fargo Checking Account to his Wells Fargo Checking Account. 

The Fair Credit Billing Act provides protection for consumers who pay for goods and services that they do not receive and Wells Fargo is failing and refusing to abide by this act by failing to refund monies and conduct timely investigations. Additionally, I believe they have violated the Deceptive Trade Practices Act by stating on their website and elsewhere that they protect against fraudulent charges. I feel that Wells Fargo has acted in a manner that is a violation of the Fair Credit Billing Act, the Texas Deceptive Trade Practices Act and possibly other consumer protection and banking laws.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of AmericaXXXX XXXX XXXX credit card opened without my permission, receiving bills by mail for charges I never used. On XX/XX/2022 received by mail to activate a credit card, this card was never activated. The very same day ( XX/XX/2022 ) received a bill for a {$470.00} purchase and a {$35.00} Total Minimum Payment Due. On XX/XX/2022 called credit card billing inquiries number : XXXX about this account, promised to terminate account however phone call was cut off unexpectedly before I was able to receive any more information. The latest bill I received by mail was on XX/XX/2022 with New Balance Total of {$740.00} and Total Minimum Payment Due : {$250.00}.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

XXXX  XXXX  is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Please refer to case number XXXX. 

I am opening a new case as there is new information. 

The dispute is around lot line adjustments. Rocket mortgage allows all types of lot line adjustments except the one I need to do. This is clearly prejudicial and harmful financially to me. 

And I put in a complaint with XXXX XXXX, the owner of the loan, and they agree. 

You may contact XXXX XXXX to verify. My case number is XXXX. XXXX presently says they will make an announcement, and clarity that servicer 's need to do this type of lot line adjustment. But there is no time frame and I need to start the project. 

I want to trade land in the front ( I own XXXX XXXX ) for land in the back. Essentially, I own XXXX XXXX in front of my house and not my backyard. I am trading an equal amount. 

Reason : the house was built in XXXX and there was not good surveying at that time. 

Even though XXXX has told Rocket the announcement is coming, Rocket Mortgage refuse to move forward with my lot line adjustment and this is clearly prejudicial. 

Please reopen the case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One closed all 3 of my credit card accounts without any warning in XX/XX/2021. I had been a Capital One client for several years until all my accounts were abruptly closed. Until then, I had impeccable payment history. I used 2 cards for myself, and my brother was an authorized user on the third. All my cards were closed because my brother, who had been making timely payments until XX/XX/2021, was unable to make payments because he became very sick with XXXX. He also got XXXX brain, which is a well known long term neurological complication of XXXX, and lived in a brain fog for months. He had payments through automatic withdrawal, and the payments were declined because of NSF. He did not realize that he did not have money in his account because of the brain fog. His business also suffered immensely for the same reason. Because of nonpayment, all 3 cards were closed down. As I am the one responsible for the payments, I have been making payments to the card since then. I took over payments as soon as I found out about the missed payments. However, even though he is an authorized user and I am the primary account holder, neither of us were contacted by Capital One even once. 

I just found out about my brother 's illness last summer. He was in Arizona and I live in Illinois. He told me about his illness last week, as he finally seems to have recovered completely. I had requested a reinstatement of my cards earlier based upon my payment history, which was impeccable, prior to the missed payments. I requested it again with the new facts, and got a refusal again. 

I am an XXXX Department physician. Although unimaginable as it might seem to me, it does look like Capital One missed the pandemic. I am sure my brother was not alone in failing to make payments because of XXXX. A person suddenly stops making payments in the age of XXXX and Capital One 's response is to cut the credit card. Appears to me to be a violation of the CARES Act, not giving a client the chance to make payments and acting punitively against a XXXX patient.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (AZ)

Bank of the West has been charging me {$35.00} fees for transactions unknown to me of origin. I have contacted their support but just get no help at all. As a result I have quit using the account completely but I keep getting {$35.00} fees charged for these transactions. Now today I was informed If the fees aren't paid in 5 days they charge extended unpaid fees. The only money owed is their fees amd I refuse to pay. I would list the charges here but there is wo many ( many I paid in the past months ) its un manageable and I feel they are taking advantage of people. I have written them informing them of the laws about frivelous fees with banks but they do not acknowledge.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the wrong personal information on my consumer report. I even attached a copy of my driver 's license. It's very frustrating and affects my life. I want my personal information to be corrected as soon as possible.
Consumer complaint received 2022-03-18
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. (NC)

I have contacted XXXX and Transunion in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion has several errors on their report. Not even the address is correct. When I brought this up to them they gave me instructions that were not possible to follow. I have no access to their investigation or the results and now they are ignoring me.