davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank charged me {$66.00} in interest. This charged appeared on my XX/XX/2021 to XX/XX/2021 statement. I called them on XX/XX/2021 and asked why I was charged {$66.00} in interest. I told the representative that I always pay my balance in full every month. The representative was from outside the United States and could not or would not tell me exactly why Chase Bank charged me. I reapeated over an over this question and also tried asking in different ways why I was being charged. Over an over the representative could not or would not explain exactly why I was charged {$66.00}. 

I then just asked the representative to reverse this interest charge. He refused and said the bank has a policy to refuse request 's to waive interest. 

I am disputing this charge entirely. I pay my entire legitimate balance every month so I should not have any interest charges. 

Please investigate my complaint
Consumer complaint received 2023-06-06
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. (IA)

On Tuesday, XX/XX/XXXX we were trying to purchase two tickets via XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX playoff XXXX XXXX game in XXXX XXXX on XX/XX/XXXX. 
I received a text message at XXXX that said : Chase : We declined {$410.00} with card ending XXXX at XXXX XXXX Was this you? Reply YES or NO. 
I did not see that text until XXXX and I replied YES and received this response : Chase : Thanks. The transaction wasnt completed.. 
Because the response said it wasnt completed, we requested and purchased two more tickets right away. Also, because it was an online transaction, there was no way to verify if the transaction had been resubmitted. 
That same evening I checked my Chase credit card account online and noticed that I was charged for two transactions from XXXX when I only wanted one. 
I then called Chase and was told that the first purchase was approved at XXXX!!!! I was also told there was nothing we could do until the purchase had been processed and that it would take XXXX hours. 
In my opinion there are three reasons why I shouldnt be responsible for the {$410.00} charge : XXXX. I received the text back that said the transaction wasnt completed so we did it again. 
XXXX. Why did Chase approve the charge at XXXX when I didnt respond until XXXX? If that is the case, then Chase has some serious problems with their fraud alert system. 
XXXX. I dont understand why if something is found out right away that is incorrect and is prior to the event starting that a charge should not be able to be reversed? I knew there was a problem, and it should have been resolved that night by Chase. If that was the case, this never would have happened. 
My dispute isnt with XXXX but is with Chase. We purchased additional tickets based on the false information that was sent via text message. It is because of this that I do not feel that I should be charged for the {$410.00} tickets.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX opened BofA XXXX pre paid account in XXXX XXXX For my XXXX payments. Everything was working fine, I was able to transfer funds into my normal accounts until ; XX/XX/XXXX - I tried to transfer XXXX XXXX  online and a message appeared stating unable to complete & to try again later XX/XX/XXXX, Called BofA and was told XXXX XXXX can only be transferred once every 7days. 
XX/XX/XXXX - Went to BofA online again to complete the transfer but to my surprise, I saw a XXXX XXXX  was already transferred & I thought maybe the funds may have went through, XX/XX/XXXX - XXXX checked the account where it was supposed to go which is to my XXXX XXXX checking but no funds were transferred into that account. 
XX/XX/XXXX - I filed a claim for fraud with Bof A since I did not receive that {$5000.00} funds supposedly transfer to XXXX XXXX checking. 
BofA showed a transfer on XX/XX/XXXX. Existing card was blocked & was provided a new one XX/XX/XXXX - I received the new card from B of A and re-activated it. 
XX/XX/XXXX - Checked online account again and found {$3300.00} was transferred again without my consent. Talked to a BofA XXXX and opened a XXXX claim. 

I have since requested a hard check from XXXX via mail & not using the BofA account any longer and have not activated the the latest XXXX  debit card. 
I have been trying since XXXX of XXXX to resolve this issue and as of the current time it is still ongoing. Bank of America has continually insisted I had made these transfers and will not tell me where funds were sent and denied and closed my fraudulent claim cases. I have lost total of {$8300.00} and with limited income this is a very serious issue, I have heard I am not the only one with Fraudulent activities for a XXXX  card issued by XXXX to BofA. I will continue to try to recover my funds from BofA using whatever legal means possible and this is why I am filing this with the CFPB and also working with XXXX XXXX to try and resolve this issue which is still ongoing at this time.
Consumer complaint received 2021-09-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NM)

I have tried to call in and get my late fee waived, which has never been done. Every operator is a foreigner who barely speaks english, and hang up on me several times. They never take care of the request for the late payment taken off, and only because I get frustrated, they treat me bad, and refuse the request because they don't like me.

They waive many other peoples late fees, but my late fee has never been waived, and they discriminate against me, when they let other people pay late with no fee and refuse to treat me in the same manner.

It is impossible to talk to people who do not speak english, and always hang up on me. It is impossible for me to get fair treatment. 

My late fee should be waived if others are waived. It is discrimination to not do so. All the operators do is hang up on me.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MD)

Received aXX/XX/XXXXdebit card in the mail from a random company I did NOT request a card from. I tried to contact the company ( Netspend ) and could not get a person. The auto menu asked me to input my social security number and the card number to activate. I did not do either. Again, I have never heard of this company, have never requested a card or line of credit from them ever. This seems like a scam to me. And I thought sending live cards that werent requested is now illegal. Please investigate this shady company and their questionable practices.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

I want to request a cease and desist order on shellpoint mortgage and XXXX, XXXX and XXXX for violations of the CARES ACT protections. 
Shellpoint Mortgage is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
XXXX, XXXX, and XXXX credit agencies are reporting various balance increases on my Shellpoint mortgage, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of 2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

Shellpoint Mortgage suggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow Shellpoint Mortgage 30 days to remove any derogatory items from my report. Shellpoint responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to them.
Consumer complaint received 2022-04-05
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. (WI)

Allowing XXXX XXXX XXXX  a collection account to report same debt with different account numbers on my credit report. Never opened contract with XXXX XXXX  but says account is verified
Consumer complaint received 2020-09-22
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. (UT)

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. ARKANSAS XXXX XXXX {$1100.00} XXXX OF AR XXXX {$4000.00}
Consumer complaint received 2017-08-10
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. (NH)

On XXXX XXXX, 2017 I notified XXXX that XXXX XXXX XXXX was charging me fraudulent charges on my card # XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence to support my claim. XXXXXXXX had, nevertheless, damaged my credit rating because I refuse to pay fraudulent charges.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-22
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)

There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2021-09-15
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. (PA)

I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

XXXX XXXX Equifax - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given capital one permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Company says I owe them but can not provide original documentation with my wet signature containing my agreeance to services. I personally have not been to the XXXX  since XXXX under my mothers insurance. 

This must have been from my ongoing ID Theft. I will update the FTC
Consumer complaint received 2021-09-15
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX DOB XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, ND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

I received an email from a collection agency, TrueAccord stating they were retained by LVNV, who they say bought the account from XXXX XXXX. I sent LVNV a debt " validation '' letter to assure that LVNV had the authority to collect the debt. I did not receive a response to my letter. 
They may have sent a " verification '' of the debt which does not validate they can collect the debt. They then retained XXXX XXXX XXXX to collect the debt. I received a letter from them in XX/XX/2021. I sent XXXX XXXX  XXXX a cease and desist letter. They in turn sent an inappropriate response of a debt verification they say I requested. They are in violation of the Fair Debt Collection Act, as they did not advise in their one letter they are allowed to send me 1 ) they were terminating collections, 2 ) they could invoke certain remedies 3 ) that they were invoking certain remedies. XXXX XXXX XXXX filed a debt claim against me on XX/XX/2021 which I received notice XX/XX/2021. I am considering filing a counter claim against them since they are in violation of the Fair Debt Collection Practices Act
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (MA)

Hi, I'm writing because I didn't get my referral bonus as promised in the 'Refer A Friend ' program at Discover.

I referred my friend to Discover it, who applied the card via my referral link on XX/XX/XXXX. But I never received any format of the referral bonus. I reached out to a Discover agent on XX/XX/XXXX, and he/she claimed without any proof that it must be me who did not make a referral. The agent was not helping, so I had to reach out to Discover again on this issue, and they simply refused any discussion with " appreciate your feedback ''. 

My suspicion is that they are doing fake promotional referral program.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX,XX/XX/XXXX, {$7300.00}, Equifax Mortgage Services, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}