davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On Thursday, XX/XX/2022 I stopped by my JP Morgan Chase Bank and was informed that my account was being closed and that I needed to find another bank. When I asked why this was happening the teller only said that their notes show suspected fraud as being the reason and that a letter had been sent six months earlier. No letter was ever sent. 

I asked for a better explanation and none was given. 

I have had this account for years and the only unusual activity this past year and a half have been the COVID pandemic relief that was enacted by Congress and which I was eligible for. 

I am a sole proprietor that files my self-employment income under Schedule C on my personal IRS Form 1040. I received two PPP ( Paycheck Protection Program ) loans and a EIDL loan through the SBA ( Small Business Administration ). In all these loans the calculation for how much I was qualified for was strictly based on my returns filed with the IRS. In the case of the EIDL loan I had an phone interview with an underwriter. Every pandemic loan I have received have been based on verifiable tax return filings and I have submitted all documents requested in a timely manner.

No one at the federal level is questioning these loans.

My concern is that Chase has a fraud department that is either untrained or are indiscriminately targeting account holder who may fit a profile for fraud based on their ethnic origin. This is yet another example of a racially discriminatory practice by a U.S. based bank. It is interesting that I found out about my account being closed the same week that President Biden announced a new DOJ task force to look into pandemic relief fraud.

I report my self-employment income using my social security number I do not have a separate FEIN number. This is accepted by the IRS as business income and I have been filing this way for years. The various COVID19 relief acts passed by Congress did not discriminate between businesses that have FEIN versus income reported using SSNs.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (TX)

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

I had an amex card and decided I would pay it off. I went online into my account and made a complete payment and was told through online chat I was paid. I have never heard from this company again. Fast forward a year later i am trying to purchase a car and there is a {$13.00} balance on this card and 180 days late status on my credit report.

I have contacted AMEX and was told they can not take payment its too late and they will not remove the late charges. I have never been contacted once about this " late '' payment and was also told this was paid off. They also told me they charged me interest AFTER the card was closed which is not legal.

I would like to pay the {$13.00} ( if i have to ) and have the negative remarks removed off my account asap.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Purchased our home in XXXX. Ultimately foreclosed in XXXX XXXX. The lender was Ocwen. Made several good faith attempts to save our home including working with a real estate agent to short sale the property -- which the offer was declined by the bank and eventually auctioned for an amount significantly lower than the short sale offer. Attempted to negotiate a loan modification, but never able to finalize details -- always seemed to get the run around with them -- long wait times when trying to speak with anyone from the company, being transferred from XXXX unknowing representative to another, unable to reach anybody, etc. Husband withdrew money from his XXXX to save the home. 
Because of the devastation of losing the home, it never occurred to me that there may have been conspiracy or fraudulent dealings with the loss of the home. At the time, we had XXXX small children ( ages XXXX ) to find another home for. At first I thought it was bid-rigging after reading an article about that concept. I reported the incident to the XXXX and they referred me to you. Balance on the home was {$700000.00}. Sold at auction for {$280000.00} on XXXX/XXXX/XXXX purchased by real estate investor. Sold for {$480000.00} on XXXX/XXXX/XXXX. We worked with a real estate agent to short sale to save our credit. The short sale offer to the bank was significantly higher than the auction price -- do n't have that dollar amount off the top of my head. 
Needless to say, lives were destroyed. Caused so much hardship that the marriage was affected and the family is now broken. Hundreds of thousands of dollars in personal loss, credit ruined and just an overall loss of faith in ever owning a home again.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CT)

During the recently ( XX/XX/2022 ) concluded cycle, Chase Sapphire Reserve did not apply the month 's returns and adjustments to the purchase balance. But instead applied the returns and adjustments to a previously established My Chase Plan ( an extended payment plan ) balance. As a result, the payment I am expected to make next month is inflated by the amount of returns and the My Chase Plan balance is deflated by this amount. Consequently, what would have been an 18 month My Chase Plan payment plan, will now be for a period less than 18 months. 

Upon noticing this, I called Chase Customer Service and spoke with a Supervisor who accepted and agreed with my claim but said that thats the way the plan has been designed by Chase. The supervisor claimed that Chase is unable to determine where to apply the returns!! That is clearly untrue as Chase knows very well of the original purchase transaction ; the returns should have been applied to purchase balance and not to the My Chase Plan balance. 

When I pointed out to Supervisor of a hypothetical situation of a return of XXXX  against the original XXXX purchase, the Supervisor candidly agreed that I would be paying of the My Chase Plan balance because of the incorrect and egregious business practice being conducted by Chase.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I signed up for a Citi Premier card and was supposed to receive a bonus of XXXX points. the bonus terms stated that I would not be eligible if i had opened or closed a Thank You points account in the past 2 years. I had not opened or closed any accounts, in fact I have 2 open with them apart from the one in question. I called several times and was told the issue would be investigated, and it never was. One of the issues in identifying the problem was also that I needed to change my credit card number at one point due to having lost my cards, which made the process more confusing to the representatives. Finally I spoke to a lady who seemed very knowledgeable on the issue, and she told me she believed the issue was due to me having downgraded a card to a no annual fee card. We both agreed that a product change was not a opening or closing of an account, and that the bonus should have triggered. She said she would forward the issue to a department and have it investigated. It's been several months, and the bonus was never put onto my account.

Furthermore, I also requested a new card be sent to one of my authorized users who was stuck in XXXX. I was told multiple times on multiple phone calls that the card would be sent. I gave the representatives the address in XXXX multiple times, and every time, the cards would be sent to my house, many many days later, instead of where I needed them to go.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Comenity XXXX XXXX credit card. Originally made payment due XX/XX/XXXX - they received it XX/XX/XXXX and posted it on XX/XX/XXXX. They charged {$28.00} late fee and {$1.00} interest. Argued with them via phone. I closed the account and issued payment thru my credit union bill pay system to get them out of my life forever. Check went out XX/XX/XXXX. They posted it to my account XX/XX/XXXX. It was due XX/XX/XXXX. They charged YET ANOTHER {$28.00} late fee AND {$1.00} interest. Called today to complain XXXX. They could not remove the charges because the account is CLOSED! I  told them I would not be paying this charge EVER and this is some kind of predatory practice on their part. I am not responsible for when they decide to open the envelope with my check and post the payment and I can not believe that it took more than 5 days for my check to get there.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2023-03-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

There are several problems with this bank and they are impossible to communicate with. 1. I am being charged for all incoming/outgoing wires. I was never informed of this before the transfer of my account from XXXX  to Citizens. Prior to Citizens there was no fee for wires 2. Supposedly I can not deposit more than 50,000 a month on my mobile device. This is a problem as I can not walk to the bank every time I want to deposit more after that. 3. When I deposit checks at a branch, since the mobile app does not work, I need to be Able to see the deposits online. 

I spoke with someone on Saturday about these issues and they were unable to help. They told me someone would call today at XXXX and nobody did. 

These problems need to be resolved for me to stay at Citizens bank or else there is no point as the offerings are uncompetitive.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (ME)

I was 30 days late on a XXXX phone warranty due to a computer glitch on my computer. 
This has dropped my credit score from excellent to fair I feel this is not right I always make double and or triple payments on everything I purchase.This was with Best Buy and i have talked with them but they said the can drop the late payment fee but can not change the reporting to my credit report.This was not my fault I am never late on an any bill but my computer stopped payment without my knowing.I work hard to keep excellent credit and feel I deserve a chance to have this corrected.Can you please help me out.Thank you XXXX XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (LA)

XX/XX/XXXX I received the results of a background check that was taken for XXXX XXXX. On this background check it's shows that i was convicted and sentenced to the XXXX  ( case # XXXX and XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) 17.5 years on XX/XX/XXXX but it's not showing that case # XXXX and XXXX was vacated and set side on XX/XX/XXXX. I was re-sentenced to 12 years for case # XXXX to be run concurrently with case # XXXX.

I don't know if that would have changed or be a determining factor in me getting this position and/or job but the information should definitely be on there for the company to also view. The conviction is over 16 years old and i was released from the Department Of Corrections XX/XX/XXXX. Can this be reviewed and made accurate and sent to XXXX XXXX please?
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a checking and savings account with bank of America. Between the dates of XX/XX/XXXX-XX/XX/XXXX, I sent several money transfers using XXXX that never got to their intended accounts. I have all the verification codes and emails as proof. When I brought this to bank of Americas attention they said they couldn't track the missing money, told me it was sent successfully than terminated my account.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

I applied for a store credit card last XXXX 2015. I never received the card or any billing statements pertaining to the application. I contacted the card issuer to inquire as to status and they informed me that they had my address incorrect. Thereafter, I provided them with an updated address. In response, I was told that they would resend the card and billing statements. Approximately, some time in XXXX I called the card issuer again because I still had not received the card. In response, I was then told that the address was not entered correctly in their system and that they would update the address and ensure that I received the card and billing statements. They informed me that at the time I had a balance on the card due to the store purchase. I, therefore, paid my balance for the store purchase. However, I informed them that I did not believe that it was fair that I should have to pay late fees and interest when they had failed to deliver me billing statements. In response, I was informed that all late fees and interest would be waived. XX/XX/XXXX, I recently learned that I have a balance for late fees and interest due to the prior balance on the card. I immediately called the representative and informed her of the history regarding the failed delivery of the card and the billing statements. In response, she was very rude and stated even though I had not received a card or a billing statement that I was responsible for going online to view my balance. I asked her how I was supposed to do that without an account number and a card to set up an online account. She then became belligerent and repeated that regardless I am responsible for the late fees.
Consumer complaint received 2022-07-24
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. (TX)

I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-23
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. (CA)

My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted immediately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX XXXX XXXX continue to report incorrect information on the account listed as XXXX there is a late payment reporting for Transunion but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence Transunion used to determine the late payment. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-03-04
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. (WI)

My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with XXXX XXXX Experian. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But XXXX score XXXX & Experian still showing XXXX.
Consumer complaint received 2019-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I made a transaction on XX/XX/2019 through PayPal for tickets to a XXXX   game and we believe it is a scam. The transaction was for XXXX and we were in contact with the merchant until she told us we paid her in the wrong form the first time so we used another account. And after that we lost all contact with the merchant.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

A account was opened with XXXX using my SSN in XXXX WI in XX/XX/XXXX without my consent or knowledge by a person I do not know. This account fell into collections and I was not made aware of it till a collections agency showed up on my credit report. on XX/XX/XXXX