davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

XXXX at Chase Executive Offices XXXX XXXX was the last person I heard from [ a single voicemail left for me and she was and continues to be unresponsive to my follow up inquiry 's ] regarding this ongoing matter [ but there have been 4 or 5 people ; all except XXXX whom never issued a written synopsis of findings and XXXX 's report was quickly disputed again as a violation of law ] an issue which I contend is a violation of Law { FDCRA and FDCA }. Previously I received a bill indicating a charge of {$7.00} resulting from the investigation into disputed charges ( lastly the {$18.00} recorded on the pdf attachments ) all of my disputed charges have been or were dissolved. Now there appears to be that sum of {$7.00} resulting from that final disputed amount { I believe is interest from that time under which the company was obligated to investigate the disputed items or another unlawful fee } that no one wishes to address but instead mailed the attached threat of " Action Neede '' '' : please make payment right away. '' Frivolous on several grounds aside from ( 1 ) the debt is not mine, ( 2 ) not a product of a purchase, ( 3 ) can not be interest as ( 4 ) I never carried a balance, ( 5 ) I do not have that ( 6 ) " credit card account that they refer to as " past due and would like to see " you '' get back on track '' and praying for payment right away without any indication of the genesis of that debt which they also call the ( a ) " past-due '' amount and ( b ) current monthly payment ( c ) that may have resulted from ( d1 ) previous purchases, ( e1 ) balance transfers, ( f1 ) interest charges and/or ( g1 ) fees. Well heck if it is multiple guess, I choose none of the above it results from violations of law nothing less and it needs to be fully expunged immediately!.
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IN)

I got a loan from XXXX for {$500.00} there intrest rent is 690.4522 % they want me to pay them back {$3000.00}. I keep contacting them but no one replies to my messages they wont even send me a statement of what I paid I Borrowed XX/XX/XXXX and been doing weekly payments of {$73.00} so I have already paid over {$500.00} I'm having trouble paying more why is it so high to pay back also my current balance last week was {$500.00} now this week its {$530.00} that doesn't even make sense and dont add up right
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter of verification to TransUnion asking how did they verify my bankruptcy, they stated through the court I contacted the court at the address that was provided to me by TransUnion. The court sent me back a letter stating that they do not provide information to credit reporting agencies. I in return sent a copy of the court letter back to TransUnion, letting them know that their original response with verifying the item with the court was either an error or a lie and requested that the item be deleted according to FCRA s611 ( 15.U.S.C S 1681l ) TransUnion sent me back a letter stating the item was already disputed and verified again through the court. They completely disregarded the my letter and the letter from the court. The item was not deleted.
Consumer complaint received 2023-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (NV)

i found out through a public figure on social media that Congress passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. XXXX XXXX XXXX sold my account to collection agency : TSI ( transworld system inc )
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I deposited on XX/XX/XXXX for {$1200.00} at a Chase atm and it did not reflect on my account as if I never made the deposit. Therefore I opened up a claim in hopes they would resolve my issue through their investigation. They completed their investigation on XX/XX/XXXX and denied my claim and intent on removing the provision credit for {$1200.00} by XX/XX/XXXX.
Consumer complaint received 2019-02-25
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. (MO)

I notice on my credit report that is nothing changed, no negatives and no collection but my scores went down in the month of XX/XX/XXXX. I did consolidate my student loans but my credit worthiness ( CREDITORS ) is the same on all three Federal Credit Bureaus. The total amount that is owed is the same ; but my SCORES went down from XX/XX/XXXX ( EX - XXXX XXXX - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX  ). There should have not been any decrease in scores going downward if there were no negatives or collections, NO BAD REPORTING. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and UPDATED ON CREDIT REPORT. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I HAVE SENT DISPUTE TO THE FEDERAL CREDIT BUREAU AND HAVE NOT RECEIVED ANY EXPLANATION OF THEIR ACTION.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (MT)

To Whom It May Concern, The loan company saying I owe for the student loan is a scam. We're not sure where to go from here to pursue this dispute.

I do have documents of the research and correspondence we have made so far of the various companies that have received my payments in which, you can find that those that received the most payments are in ongoing lawsuits. The most current company, MOHELA, that says they are in charge of my student loan has put a lien against me which is putting a hold on us qualifying for a home loan. Even if I could just pay it off AGAIN I wouldn't know where to pay it to. I was paying to the companies in good faith all these years that where in charge of my student loan at the time. So, who do I believe? 
Do you know of any action that I can take to resolve this problem? Any help you can offer would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX, I am hesitant of sending this because to me that just wakes up the company MOHELA to start harassing me again. I would like this whole thing looked into. MOHELA just ignored me when I sent them the letter and documents in the first place.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (TX)

I submitted a complaint to the Consumer Financial Protection Bureau on XXXX XXXX about an account Wells Fargo Dealer Services that is showing up inaccurately on my credit report. I filed an identity theft report with the FTC because this account is not mine and should not be appearing on my credit report. I received a letter from Wells Fargo Dealer Services on XXXX XXXX stating that I would receive a response from the company within 10 business days with more information about this account. 
It is now over 30 days past that time frame, and the only thing I received is a letter dated on XXXX XXXX stating that the fraud unit would mail a fraud packet, that I never received. It saddens me to see how unimportant false reporting is to this company and how there is a blatant disregard for victims of Identity theft in todays world. Not only is this negative report hurting my credit score, what makes it worse is that this issue has not been resolved after the many disputes and complaints that I have wasted time filing. 
I look forward to a solution to this problem, I really do not want to get my lawyer involved but if this issue is not fixed in a timely manner, I am left with no other choice.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Barclays XXXX  Mastercard. After checking my statements I realized they charge me Interest Twice a month???? I tried talking to them on the phone. Also they charged me a returned payment fee because my payment didnt go through but i still made two payments.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (NC)

PLEASE BLOCK AND REMOVE THE FOLLOWING INQUIRIES. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2016-12-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ZWICKER & ASSOCIATES (OR)

I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.
Consumer complaint received 2015-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in XXXX of this year stating they are collecting on the bad debt that they purchased from XXXX bank for the amount of {$2200.00} for account # XXXX however, I never had a XXXX bank credit card or any other XXXX bank accounts ... I have contacted XXXX bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM XXXX BANK STATING THERE WAS NEVER A BAD DEBT IN MY NAME WITH THEM!!!
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A charge for {$370.00} was made on XX/XX/XXXX at a Kohl 's store in California. It was a fraudulent charge as I live in Massachusetts and was not out of state at that time. I received an email from Kohl 's on XX/XX/XXXX that my card statement had a balance. I called to submit a fraud claim and also close the account. I never heard anything back from Kohls and did not receive a letter. The charge remained on the account. 

I called again on XX/XX/XXXX and was told the first fraud claim had been closed for some reason. No notes were entered as to why. The woman I spoke with opened a second fraud claim at that time. As of XX/XX/XXXX, the charge is still on my account and I was told by the customer service rep, that since it is more than 30 days overdue, the credit bureaus were probably already informed of the late/missed payment. 

I think this is ridiculous and this should have been fixed long ago. The fact that my first fraud claim was erroneously closed should prompt Kohls to work to quickly resolve this issue. I have had excellent credit all my adult life and I really don't need this to XXXX it up. Each Kohls rep I speak to tells me something different so I really don't know who to believe anymore.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.
Consumer complaint received 2015-09-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do.
Consumer complaint received 2021-06-04
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. (CA)

I am submitting this complaint because Experian is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. 

I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Checking account with Bank of America. Continued to allow withdrawals on my checking account that were not authorized, which caused numerous additional charges to my account. I went to the bank and was unable to resolve the situation after waiting 2 hours, with an appointment. I withdrew all my money and they would not allow me to close account. Now they sent a letter saying my account is closed and I owe {$600.00}. Then they mailed me a new debit card? I had to go to another bank. This is going to end up going on my credit report as a not paid account.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a secure credit card with the annual fee of {$24.00} to work on my credit and was told to come in and check before the renewal fee to see if I could get a non secure card. After making monthly on time payments I was unable to qualify so I asked about the annual fee to be charge next month and the representative named XXXX in the XXXX Oh XXXX XXXX branch told me to return after it was applied because she couldn't waive it until it was applied. Today approximately 1 month later XX/XX/2022 I called Fifth Third to follow up about this as I was submitting this only to be hung up on. Furthermore when I went into the XXXX branch XXXX told me in a follow up call that XXXX had said she thought it was about a charge I made! To sum up beware of the promises your local branches make... I have XXXX accounts with Fifth Third and I'm more than disappointed in there practices/professionalism. 

BEWARE FIFTH THIRD
Consumer complaint received 2022-09-06
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. (MA)

Regarding XXXX XXXX XXXXXXXX. XXXX still shows 30 day late payment in XX/XX/XXXX. 
The payment was made via phone via auto bank account withdrawal. 
i personally called XXXX  via their XXXX XXXX # and made the payment via phone as i did every time. 
I had this credit card since XXXX and made every single payment on time for 12 years. 
i requested my phone XXXX and XX/XX/XXXX records from 6 years ago and they clearly show the XXXX XXXX # called timely. I do not why the payment did not go through is it that impossible to believe a computer error occurred.. i made timely payment for 12 years. 
This late payment is the only negative mark on my credit. 
I have sent XXXX he phone records. and even called multi times in vain. 
Instead of asking courteously and providing back up evidence, I should ask my 10 year nephew how to post on XXXX of my experience and how XXXX really treats the customers and let millions of person truly know how they treat hard working honest citizens.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

This is the second communication via certified mail receipt # XXXX on XX/XX/2022. I gave no written consent or signature on any contract. XXXX requested to delete from my consumer report. I see no affidavit of truth in rebuttal to my requested validation of debt and a contract with my wet ink signature stating the facts from a witness having first hand knowledge and competent to state the facts
Consumer complaint received 2020-10-19
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. (IL)

According to

the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Equifax is reporting inaccurate information with these accounts and not giving out proof of verification. XXXX/XXXX  XXXX   XXXX XXXX I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Equifax is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.
Consumer complaint received 2022-02-14
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. (TX)

On XX/XX/XXXX an unknown vendor, XXXX XXXX, with invalid email address used one of my listed cr. cards on XXXX account to charge {$790.00} for an electronic vipe machine. I disputed this charge as soon as I saw this amount on my Chase United cr. card. Since then this case has been declared as 'valid charge ' by Chase XXXX Chase did not provide full investigation details such as vendor address, vendor phone #, nor a valid email. By my persistance, Chase had to open the case several times and they came back with same answer. On XX/XX/XXXX XXXX XXXX from Fraud DptXXXX, myself and XXXX representative XXXX XXXX XXXX  had a conf call and XXXX agreed this charge didn't come from same IP address as my last 2 transactions with them. Chase requested a letter from XXXX confirming this was not authorized by me. On XX/XX/XXXX I finally received this letter from XXXX agreeing and confirming this was not authorized by me. XX/XX/XXXX, I just had a call from Chase - bad connection but this representative said the charge was valid. I couldn't have a clear connection and I had to reply I do not agree with this call and hung up. 
Chase requested documentation which they now have and yet they once again claim this is valid charge. If I could please have someone to help with this matter I would really appreciate. My credit is in good standard and because of this fraud charge I am afraid to have it damaged after so many years of good payments. I am not accepting such debt and feel I need a lawyer to defend me. I have paid off my Chase accounts several times and they are not defending nor helping resolve this matter. Thank you. XXXX XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA over debited my account {$150.00} ; this is the second time in the last year they have withdrawn and refused to immediately put the money back in my account. They take weeks to refund the money and they will not put it back in my account. They write checks so they can hold and make holding interest off my funds. This most recent credit on my account has sat since XX/XX/XXXX when they over debited my account for money that was not due.