davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I lost my wallet and phone on XX/XX/2024 and inside that wallet, I had my Wells Fargo debit card and other credit cards, someone used my Wells Fargo debit card to make two purchases at XXXX for the amount of {$2500.00} and {$1400.00}. I reported the unauthorized transactions to the bank immediately, they provisionally credited my account but now Wells Fargo is refusing to recover my funds from the authorized charges, they are holding me responsible for the two unauthorized transactions for the total amount of {$3900.00}. I need my funds back to my account as soon as possible, they must recover my funds from the unauthorized charges. thank you.
Consumer complaint received 2023-01-30
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. (FL)

In accordance with the credit reporting at the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 

I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received a bill Or information concerning this account. 
Ive updated my address with the credit bureaus in XX/XX/2022. 

15 USC 1681 section 6028. States I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not flourish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of confections of crimes, which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX, I subscribed to a newsletter at {$130.00} per month. In XX/XX/XXXX, I decided to stop the subscription due to not using the service. Well, I sent the merchant a request to stop service/delivery and followed the instructions on their website. From XXXX to XXXX I was charged each month from the merchant. In XX/XX/XXXX, I decided I had had enough and changed my card number, and filed a dispute with Citibank. Citibank claims they did an investigation and decided to side with the merchant. Citibank and I disagreed on the outcome ; so, I tried filing an appeal. It's been nearly two weeks, I have not heard anything.

I realize now that there is only a 60-day period where they can give credit back for what happened, but Citibank still insists that the merchant is in the right. So, a partial credit would have been the most appropriate outcome. But, that was not the case at all. If I can't depend on my credit card company to back me when I'm in the right, then I have lost trust and will likely cancel our relationship of over XXXX  years. 

NOTE : Since I've gone through Citibank to try to resolve this issue, the merchant and Citibank are well aware of the transactions and no copies are necessary. But I can provide the information to you should you need it.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I tried opening a Venmo account. I inputted my email and other details when opening the account. 

A few hours later, I was told my account was frozen and that I would have to upload proof of identification. I did so. 

The next day, after looking at my identification, I was told my account would be permanently suspended and no further details would be provided. I tried following up but they refused to provide any further details or reason for closure.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (MD)

I have an account with the Exchange Credit Program ( Military Star card ) on which I had multiple zero-interest promotions, all of which were in good standing with no missed payments. Two were expiring in XXXX XXXX timeframe, and XXXX was to expire on XXXX XXXXXXXX XXXX ( amount remaining was {$350.00} ). 

I made a larger payment in the amount to pay off the soonest expiring balance in full ( {$350.00} ) on XXXX XXXXXXXX XXXX, prior to the expiration date. All but {$15.00} of this payment was applied instead by the creditor to XXXX of the balances expiring later, and this caused the soonest expiring promotion to expire and I was charged deferred interest on that purchase. 

I called multiple times to inquire about correcting the application of payments so that the expiring promo was paid off and, instead of fixing the problem, the creditor has now made it worse by adjusting the prior payment to pay off all of the remaining zero-interest promotions such that my entire balance is now subject to interest. 

12 CFR Part 1026 ( Regulation Z ), subsection 1026.53 ( Allocation of payments ) requires that payments are to be applied first to any promotion expiring within 60 days, unless the customer requests otherwise. All XXXX asking was for the merchant to follow the law.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

XXXX XXXX XXXX sold and assigned this alleged debt to a collection agency, and that alleged debt has been resold and re-assigned several times. Each time I respond with a dispute, and request records. Then, without sending the records, the allged debt is then sold and re-assigned. This has happened FIVE times. It is abusive.
Consumer complaint received 2019-11-02
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: ERC (FL)

ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.
Consumer complaint received 2019-11-02
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
Consumer complaint received 2019-11-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Financial Services, LLC (FL)

Action Financial Services refuses to contact me in writing by email or post. Instead, they keep calling me and demanding different documentation. I have sent them everything I have at present. I would like to enter loan rehabilitation but they seem to be delaying the process. They will not provide me with any written information about what I owe and what documentation they require for me to begin the rehabilitation process.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX Monday XXXX at XXXX XXXX sharp I contact true XXXX number my bank to stop payment in cheque for amount XXXX, lady in bank informe it 's 15 por cheque, I request to make for 2 cheque number XXXX y XXXX i did n't remember which that exactly, bank go with my request and charge me 30 for 2 spot payment. On XXXX XXXX late afternoon, amount XXXX was deductible from account, again I contact my bank, they informe transaction was pending but they will denied because stop payment I make, but they will give me temporal credit until my transaction. By this cheque was no pay, return with Forgery logo in cheque, by this asume my money will be ok my account. On XXXX XXXX cheque was present in bank branch of XXXX florida locacin, was pay, even they cheque has a forgery stamp, I oready pay to do n't pay cheque. I contact bank, they keep changing open and close new case, also speak manager in that branch they said they present another cheque number, I never order cheque in my account, this 2 cheque I did autorize and be charged for stop payment was they cheque that u get went u open account, so by this there 's probe I do n't write cheque, because simple I do n't have more cheque. Att. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV INC. (TX)

I wanted to not agree to terms of service to receive a refund for IRS EIP money ( Paper check desired instead ). Tried to call customer service on card but there is no way to refuse terms of service or speak to representative. Activation of card is the only option. In an effort to talk to a person to request a refund I had to activate the card and then no customer service option was even offered. There is no way to contact customer service to request a refund, card activation is the only option.
Consumer complaint received 2017-12-26
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: JPMORGAN CHASE & CO. (TX)

XXXX BANK XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I have a Chase Amazon credit card. On XX/XX/XXXX a merchant placed a charge on my account for an off-road vehicle rental reservation for {$420.00}. A few days later, I requested a cancellation and the merchant refunded the same amount to the credit card on XX/XX/XXXX. On XX/XX/XXXX a charge was placed for the rental of a XXXX in the amount of {$500.00}. On XX/XX/XXXX the merchant refunded {$150.00} which was a contingency deposit that had been included in the {$500.00} charge. Chase seems to have applied the refunds to equal pay promotions in my account that were not due until several moths lates. The payments on the equal pay promotions were up-to-date. The refunds should have been applied to the statement balance, since my balance now shows the full amount of the transactions as due for payment. 
In addition, Chase created an equal pay promotion for an item that is being included in the statement for full payment. It includes a item that was returned. 
I first contacted Chase on XX/XX/XXXX and opened a case with a supervisor. Since then, I contacted Amazon and Chase on several occasions. A letter arrived in the mail on XX/XX/XXXX stating that Case did not make an error and cites guidelines they follow when additional payments are made to the account. Since these were refunds and not additional payments, they were incorrectly applied to promotional offers, in violation of a finance agreement I had with Amazon and Chase. The equal pay promotion that was incorrectly created has not been addressed. 
Amazon was contacted yesterday. They claim it was Chase who is responsible for both issues. A complaint ( negative feedback ) was created with Amazon. I have all documentation in my possession and available if necessary.
Consumer complaint received 2023-07-16
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. (GA)

On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, Equifax indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.
Consumer complaint received 2022-01-07
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX  XXXX XXXX )
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I have been paying the mortgage to the original lender for close to 20 years never had a late fee until XX/XX/2017, I immediately sent a payment with the penalty fee and they purposely refuse to Cash the check then I sent the next check it couldnt had been late and they claim it was, it seems to me they are trying to drive me into an unnecessary situation so they can profit from additional fees etc etc.

It seems to me they are trying to benefit from a sellers real estate market and drive me into foreclosure.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

After our county being declared a natural disaster by XXXX and the president after hurricane Florence Capital one auto finance has refused to defer any payments for any length of time. They give you payment options and that is all. We can not agree to any of those options when we do not know when we are able to get back to work due to severe flooding around the whole entire county.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AP)

I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from my credit report.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been a loyal customer of Bank of America for a long period of time. Bank of America closed my business checking account on XX/XX/2020. The reason given was for a business decision. There was a large amount of funds in the account that is necessary to operate my business. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my business. I have no cash flow. If I can not run my business, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.
Consumer complaint received 2019-11-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (TX)

I am still being reported as late to the credit bureaus which is preventing me from obtaining a loan to get away from PHH/Ocwen. I filed a complainant once with CFPB and the issue was partially corrected but not completely. There is still a missing payment that is not being applied to my account. check number XXXX dated XX/XX/2019 in the amount of {$410.00}. I have attached a copy of this check. Again ; this company does not follow up through and upon attempting to reach someone for assistance ; all I get is that they will report it. Also ; per the companies response to the last complain ; the derogatory mark indicating that I was late on a payment is still an issue on my credit report. This MUST be removed from ALL CREDIT REPORTING AGENCIES. Please follow through on my requests.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WA)

I got a Best Buy credit card with the purchase of a washing machine. I also got about {$75.00} in Best Buy refund dollars. I went in to the store in XXXX to but a {$55.00} item, i asked to have it applied to my {$75.00} of refund points. The cashier put it on my credit card. When I called Best Buy to fix the issue ( called a couple times ), they sent me from person to person, then put me on terminal hold twice. I am pretty sure there was no one in that department. I was never asked to leave a message. I finally got fed up and paid {$59.00}, including interest. then the next month i got another bill, this time for {$28.00}. the interest for {$55.00} over the period of 1 month was {$32.00}. I paid off the card and closed it. the stated interest rate was 25.24 % ( i was a little surprised ) but that does not account for {$32.00} for a $ XXXX.I was not late, and this was during the COVID19 grace periods. Best Buy made no attempt to help, or figure the issue out, just let me sit on hold and occasionally talk to an employee who was unhelpful.