davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I have a CHASE auto loan for my XXXX XXXX XXXX. I purchased my car in XX/XX/XXXX. In XX/XX/XXXX, I requested CHASE put ONE payment on the back of my loan, as I had fallen behind due to illness. Fast forward several years later ... in XX/XX/XXXX I found out for every month I hadn't paid " a fee '' for CHASE extending my one pymt.to the end of the loan, I was being charged a " Late Fee. Now this had accumulated over the years to the point where they now claim I'm " BEHIND '' on my regular monthly payments however, I've NEVER again been LATE!!! The late fees total over {$800.00}!!!! I have no issue with pay one the ONE TIME FEE for extending my loan, but this has become ridiculous and EXCESSIVE!! 
I called CHASE auto finance and got no where. I also went into my local CHASE branch, as I also bank with CHASE. A Customer Care Rep. Called CHASE auto finance on my behalf. They did nothing, and never called me back after researching the problem as they had promised. I am almost done paying off my car but these fees need to be reversed NOW! Thank you for your attention in this matter.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to their inadequate response to my dispute. On XX/XX/year>, I sent a dispute letter to Experian via XXXX certified mail tracking # XXXX, seeking an investigation into inaccurate items on my credit report. The disputed items include XXXX XXXX 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. Additionally, I contested an incorrect name on my credit report. 

To facilitate a thorough investigation, I provided Experian with a copy of my photo ID, social security card, and a recent bill with my current address for identity verification. 

However, Experian 's response, dated XXXX, stated : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

The Fair Credit Reporting Act ( FCRA ) stipulates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. Experian 's failure to conduct such an investigation violates my consumer rights under the FCRA.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I paid my XXXXXXXX XXXX XXXX credit card with XXXX XXXX balance in full and on the due date. I never looked at my account since I owed nothing. Apparently this company went ahead and charged me a late fee anyway. When I realized that they had done this I immediately contacted them and disputed the late fee. They gave me credit for the late fee but continued to charge me late fees for not paying the disputed late fee. I contacted them and told them that the balance was paid in full on the due date and I was not paying the false late fees. I also asked that my account be closed. They have continued to harass me via email, mail and phone and I have repeatedly asked that they stop all communication. I try to block the number but they just call from another number or occasionally call from a number that is identified only as unknown. Just yesterday ( XX/XX/18 ) a Mr. XXXX or Mr. XXXX left me a very threatening voicemail at my home. I want this company to stop harassing me over money that I do not owe them.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ID FOR COMPLAINT SENT TO TRANSUNION XXXX File a previous complaint with this company and those issues were not resolved. I called in and spoke with two different representatives who stated that they were in a foreign country and they handle all disputes the same. I'm not trying to get over on anyone or deny any wrong doing on my behalf, but my Transunion credit report has several errors still and disputing for almost a year. I've contacted and had success with the only two major credit reporting agencies. I've submitted all the documents pertaining to my case and every time i was ignored or it came back verified. Please look into this, i will attach proof of cooperation from the other bureaus as well as letters that i sent in to Transunion before.
Consumer complaint received 2018-07-16
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Wells Fargo Bank Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2017-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc. (CA)

The XXXX XXXX XXXX business was a XXXX XXXX XXXX XXXX that I was paying for my child. 
Suddenly around fall of last year, I noticed that my son 's tutoring program was changed without my permission. I asked why, and I was told it was by his father. 
I promptly called him and told him to desist from doing so, because I am the one paying. 

At the same time, my bank changed their systems and needed me to re-install all standing orders and so on. Unfortunately, this XXXX XXXX XXXX company was unable to take their amount. And why it took such time for them to communicate this problem to me, was puzzling. As soon as I knew I fixed the problem at the bank. 

Still, this XXXX XXXX XXXX failed to honour my request to return my son 's program back to what it was supposed to be ; despite being the paying parent. And having my knowledge than all of them about education pertaining tot he child who I literally tutored from birth. 

In any case, I reset the account information and they continued to receive their payment. No one ever told me anything about collection action and no documentation of that notice was ever sent to me. 

I had no way of knowing such an action existed and this had caused it to be damaging to my credit in many ways. 
In fact, it was by sheer chance that I found out today that this had happened and has been since XX/XX/2019 ; despite the fact that I do not owe this company, I do not owe this amount and I have no debt with them. 

In fact, this company owed me for failing to inform me of changes even though I was the paying parent. In addition, there were months my son received no classes before and after the pandemic while they kept charging me repeatedly. 
For these reasons, I want them to refund all the money I paid for classes from XXXX to XXXX. Thus, this company is fraudulent and can not be trusted. 

They did not care about the impact of this unknown development on the parent of the child they are teaching, and who has been paying them for years ; but choosing to report me to the credit bureau on a whim, and keeping the information from me in a way that was damaging to me is unconscionable. 
I only found out this morning while checking for an unrelated item. 

Despite my continual payments to them for services, they never corrected the error, or deemed it necessary to inform me of this problem. 
This is a shock to me and I find it hard to believe that the manager could support an action like this and not tell me. 
This action shows a lack of humanity and I want this to serve as a lesson for others to share.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Sent from my XXXX Subject : Unhappy with buyer protection guarantee, Ive been dealing with an issue my family had with a seller on XXXX and were hoping PayPal would help us resolve but its been very frustrating. In a nutshell, my son bought an XXXX that was advertised as new, and we found out 2 months later that it was not indeed new and filed a claim with PayPal. They have not listened to one shred of evidence we have about this and just blatantly deny our claim. I would love to be able to really talk to someone about this in-depth. It is my sons account but he gives full permission for me to deal with this. I hope you can help us. His case id is XXXX. Every time we try to deal with PayPal they just deny his claim without hearing any evidence I know whatever info they have for his case isnt complete because we were never allowed to submit everything. Thanks so much for your time, I hope to hear back from you. 
Sent from my XXXX
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Purchased a new XXXX XXXX XXXX and financed with Citizens One Bank. For the first two years I paid an extra {$1000.00} per month towards the loan. In XXXX I lost my job and fell behind three months payments. Since I fell behind the three months I have got  back on track and have made a full payment every month, so much that I now owe less than one months payment for principal and interest and will pay off the loan this month. 
Citizens One has tacked on an additional {$400.00} in late fees that they refuse to remove. I was out of work here in XXXX due to the pandemic however I still made a full payment every month. 
I am amazed that in this economic environment that bank will not work with their customers and wave the unnecessary fees that charged. XXXX knows they made plenty of money off the loan interest. Can you please speak with this bank about removing their fees. This is certainly not a good business practice with so many people out of work and truly hurting.
Consumer complaint received 2017-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I began working for organizations that qualified for the Public Service Loan Forgiveness Program in XX/XX/XXXX I advised Navient that I intended to utilize this program. They did not advise to transfer my loans over or XXXX XXXX to begin the program, but said that I should make payments through them. They advised me in XX/XX/XXXX to consolidate my loans and again I advised them I was working for a XXXX that qualified for PSFL. I learned after consolidating that I will now receive no credit for my payments fromXX/XX/XXXX-XX/XX/XXXX Their response to my complaint was that there was nothing they can do but advise those representatives to give different advice in the future.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (IA)

On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!
Consumer complaint received 2023-01-09
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America, the bank where my checking account is domiciled, unilaterally debited {$700.00} from my checking without my consent. I have sort explanations from the bank and what they told me is that it was used to give me a credit line. I did not authorize them making that deduction. I have demanded that this is reversed and the bank has refused. Rather they have been passing me from staff to another. I request that revert my money back to my checking account so that I can close the account and move to another bank.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

I have a 14 year old mortgage with first florida bank of Puerto Rico. 
My ondo insurance has lapsed because they have not paid it in spite of the fact my payments are always on time I phoned the bank 2 weeks straight and left messages each time and never receive the courtesy of a return call in spite of the fact I stressed the urgency of the matter. 
Today I phoned the manager of the main bank and was put through. He told me an intermediary paid the insurance. he would contact them and it will be paid tomorrow. 
I feel this bank is not worthy of doing business because this is the 3rd issue I have had with them where their practices are questionable ... legal?
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

This is about the American Express ( The XXXX XXXX Card ).  This is probably the card that I owned for the least period time ( a  year or so and currently already terminated ). I only used it a few times ( probably less than 10 times ). I have called their customer service many many times for the recent at least 6 months. 

It started with somehow they would n't let you set up auto pay while gave you wrong information that let you believed the auto pay was set up successfully. You did n't pay attention, thought everything was all set. When you finally found it out, it was too late and they already charged you for the late fees and interests and kept accumulating. Then you called them back and had them resolved the issue ( you were told ), but they did nothing actually. However they were telling you that they waived your fee and again helped you set up the auto pay - all set was told. Meanwhile, they kept charging you cumulatively. After so many contacts of their customer service, I finally paid the fees and thought this headache was gone ... but found they were still charging you. Called again many times, one time were told the supervisor would call me back in 24 hours ... never did. the last time were told again this was resolved and the fees were all removed ( XX/XX/XXXX ). Then the bill came again .... I called back today ( XX/XX/XXXX ) with the customer service representative 's name and id who I spoke with last time and who told me it was all resolved with fees all removed. Only were told there was no record of this calling!!! Then again telling me they will have supervisor review the case and call me back. When asked for time frame, I was told it could be days, weeks, months or years. Basically no time frame they could provide. My credit score were 800+ ( not sure because of them if I lost any points ). I never had any problems with any other credit card companies except American Express. The current amount they 're charging me is {$79.00}. Even though it is not a big amount but it 's very wrong!! And, I did pay them fees and interest once already even though I do n't believe I should be charged for that. Because I just did n't want to deal with this anymore, But it was not successful to stop them charging me even more. This is become a torture to me.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX and Palm Beach Credit Adjustor will not remove a reported medical collection as they are double reporting and the reported debt collector " Palm Beach Credit Adjustors '' does not own or have the collection authority to report, as it is owned by Focus Financial services who already has removed their reporting from XXXX and XXXX
Consumer complaint received 2021-06-29
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. (MD)

XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit Transunion
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

I did pay my balance amount in Full before the Due date of the XXXX month. I paid my balance on XX/XX/XXXX. My due date was XX/XX/XXXX and Statement date was XX/XX/XXXX. They charged me with XXXX dollars interest after making the full payment of my balance amount before the due date. I tried to reach out to the customer care team but they are not responding properly on the charge. I am not sure what I can do as a customer and how my complaint resolve the issue. But just trying to see if they stop doing such charges on customers like me.
Consumer complaint received 2023-01-09
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: U.S. BANCORP (TX)

On XX/XX/XXXX, we contacted XXXX to dispute a subscription charge to XXXX. XXXX would not permit us to cancel an unused alarm service without knowing the account password. We answered the questions for XXXX. We asked that the charges for XXXX be stopped on XX/XX/XXXX. XXXX sided with XXXX and permitted the XXXX charge stating that we failed to prove that we tried to cancel the subscription with XXXX. On XX/XX/XXXX, we cancelled the XXXX credit card upon hearing their decision. On XX/XX/XXXX, after closing and paying off the entire remainder on the card, XXXX by XXXX XXXX XXXX permitted another charge from XXXX services.