davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I paid off my Bank of America Master credit card for {$18000.00} on XX/XX/2020. On XX/XX/2020, I received the credit card statement for {$100.00}. I called the Bank of America ( BOA ) customer service to remove {$100.00} and she said the fee can't be removed. Furthermore, the customer representative didn't give a clear reason why I am being billed when I already paid off the credit card balance including the interest fee. 

The Bank of America application payment page on a desktop computer is misleading and confusing. 

1. When I make a payment, the application didn't give me a chance to review my request before it submitted the payment.

2. The application doesn't allow me to remove my bank information even there is no pending transaction.

3. The application doesn't clearly show the payment statement.

4. The email confirmation notification doesn't show the exact amount that was paid. The email displayed 'the minimum amount due, Amount Due, and Account Balance ''.

I had to pay for {$100.00} so the Bank of America won't add more fees. I should not have been billed.

I would like CFPB to look into these issues. I believe BOA is wrongly charged me and they aren't transparent with their charges, fees, their web application, and email notification for payment confirmation. 

Thank you.
Consumer complaint received 2018-03-31
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. (LA)

I have been the victim of ID THEFT and have been trying to reach out to CHASE CARD in regards to discussing the fraud account they keep reporting on my credit report. I did not open nor obtain the credit card that they are reporting. I keep playing phone tag trying to speak to someone! I have sent them several supporting documents as well as a ID THEFT affidavit and police reports. The date there saying this account was opened was XX/XX/2015 with a supposed  balance of {$20000.00}.
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (TX)

Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my report.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

I had a horrible problem with chime Bank now what has happened was after opening my account earlier this year I opened it to receive my direct deposit for my pendemic unemployment assistance payments so after opening my account and verifying all of my information I received my card shortly thereafter in the mail and I activated it was also offered to open a credit Builder account and that I was eligible for the spot me to cover me if I overdraft or anything. so I receive my first round of unemployment payments direct deposited into my chime bank account any which included roughly XXXX months worth of back pay which totaled around {$3000.00} and within 24 hours chime Bank had suspended my account and they have denied me access to my money in fact they closed my account and sent me an email stating that my account was not eligible for a refund and they also have limited my being able to contact them or speak to a person any which way I've ever tried to I can not reach them anymore I have no access to the account and they refuse to respond to me any longer.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (FL)

I answered my phone at around XXXX on XXXX XXXX to an unknown number. The man asked if he was speaking to me ; I said yes. He asked if I lived at X address ; I said no, that was an old address and asked what this was regarding. He mentioned a debt I owed to a health club membership and said that it had been turned over to his collection agency. I asked for my address to be updated and for information regarding the debt be sent to me and told him that I fully plan on paying off this debt. He updated my address and provided me with a reference number and phone number to reach him at. 

He then proceeded to ask me about my employment status and the amount of my rent. I said that I am unemployed ( I have a small child that is totally dependent on me for care ) and that my fiance covers living expenses. He asked how long I had been unemployed and then asked if I was prepared to make a payment. I said two years, I had to quit the day my daughter was born as we do not have any one else to help us with her care, and said that I would like to start making payments in XXXX. I had my debit card out, ready to give him my card number for automatic withdrawals to start in XXXX at this point. 

Instead of closing the deal, the debt collector got really nasty. He started talking about how I have n't worked in 2 years, how I 'm living off of my fiance 's income. ( I actually work very hard as a homemaker and a mother to my child with absolutely zero help or babysitters or family to help, but did not have a chance to explain this. ) At this point, I realized that my particular debt collector was a misogynist, but I tried once again to tell him that I would like to start making payments in XXXX -- again, card in hand. He told me nastily that he could n't wait until XXXX. I said I have no extra funds currently, so he was going to have to. Here is where his misogynistic tactics actually scared me : " We most certainly do not. '' If I had already made it clear that I do n't have the money to make payments this quarter, how does he think he 's going to get the money from me? Does he want a pound of flesh? That 's literally all I have to give right now. I do n't understand how it would benefit him to threaten me like that. Again, I blame his blatant prejudice against women. I was so scared at this point I hung up on him. I need to pay this debt, but at this point I am terrified to call the contact number he gave me.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

This matter is regarding a fraud we had on our account. A total purchases of {$4500.00} for XXXX. XXXX confirms it is a fraud. During COVID-19,  we noticed immediately that our account had non stop purchases, we tried calling Chase over and over again and were waiting on the line for more than 2 hours every time while trying to call simultaneously to XXXX to check those charges. XXXX was closed and we could not get a hold on anyone and to get a hold on the bank was impossible, after 10 straight days of trying, we got a hold on XXXX that confirmed it was indeed a fraud and got a hold on chase too to report a claim, XXXX our debit card and issue a refund. Chase gave us a refund in the beginning but than after 30 days they charged us again claiming : lack of care! We can submit all paper work you need, we will also file a police report too. It seems like Chase does not intend to cover this matter, and its their obligation to do so, thats the basis on banking that no one card use our account wrongfully and we will be the ones to pay for something that was under their responsibility. They should protect our money, otherwise why would I have my money in a bank account if everyone case use it and its not protected. Please help us. 
The amount and the date of the transactions as they occurred : XXXX 6 Transaction XXXX 4 Transaction XX/XX/2020 - 2 Transaction XXXX 11 Transaction XXXX 4 Transaction XXXX 9 Transaction XXXX 10 Transaction XXXX 20 Transaction It seems like Chase had a glitch or something had occurred that revealed our account information. How could they allow for something like that to happen without blocking the account immediately? The amount of transactions is beyond normal. And after all of that, no customer care, that needs to protect our money and keep it save. This is a disaster.
Consumer complaint received 2021-08-09
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. (FL)

I filed a complaint on XX/XX/2021 with FTC against XXXX XXXX  scamming me on a car loan. Please see the attached report and remove this item immediately from my credit profile. I will take civil action against vehicle solutions on the backend for trying to collect on a vehicle that the committed a scam on and placing it on my report. Attached please find the FTC report that was filed against this company. 

Thank You
Consumer complaint received 2018-03-31
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. (FL)

XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with TransUnion and XXXX given they have false information on my report. I sent them a copy of the letter that was returned to me. TransUnion responded saying that the item met FCRA, in which it does not as they are reporting false information about me. XXXX   stated that the item would be deleted, however it still remains as of XX/XX/18.
Consumer complaint received 2018-07-12
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. (IA)

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified Experian, XXXX, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I currently have a Synchrony Care Credit Mastercard. I utilize this a lot to pay for my dogs veterinarian bills and since my charges are pretty high, I take advantage of the 6 months no interest promotions. I am having an issue with how my payments are being allocated to my balance. I have a mix of charges at the XXXX interest rate, as well as the standard rate. When I received my statement for XXXX, I noticed that XXXX large payments I made, XXXX for {$700.00} and XXXX for {$1500.00} did not get applied to promotional balances that expire on XX/XX/23. I reviewed my statement for how payments are applied, and there was no mention of that specifically, but it did say I could call to have my payment allocation changed. So, on XX/XX/23 I call and the representative was very nice and said he would take care of adjusting the allocation and that it may take up to 72 hours. No mention that they actually would not be able to help me with that. On XX/XX/23, I received a letter from Synchrony stating that due to federal regulation they can not adjust my allocation unless it is in the last two billing cycles before expiration ( my payments would have been the third one prior to expiration ). Having worked in compliance and audit for financial institutions, I thought that this did not sound quite right to me. I pulled up 12 CFR Part 1026.53, Allocation of Payments, to see exactly what the regulation says. While it does mention the two billing cycle exception, it is also acceptable to change the allocation at consumer request. I understand the regulation does not require the issuer to honor this exception, but in not honoring it, there is a high probability that I will be paying more interest in the end since my payments will never be applied to my promotional balances ( depending on my purchases under the standard rate ) and I will end up paying the accrued interest. This just screams UDAAP violation to me.

I understand the intention of this regulation is for the higher interest balances to be paid off first, which I support, but in the situation of the XXXX interest promotions, I should get to choose how I want my payments applied. In fact, I assumed this was standard, as I am able to go online to my XXXX XXXX Credit Card and specify which promotional balance I would like the excess of my minimum payment to go to. 

My other issue is, in reading the payment disclosures on my statement and in my cardholder agreement, no where ( that I can find ) does it state how payments are applied to promotional balances. Even the phone rep I talked to did not explain the policy to me. Had I known about the exception for the XXXX billing cycles prior, I would have saved my XXXX larger payments in XXXX for XXXX when the exception would be in effect.
Consumer complaint received 2020-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

On XX/XX/2020 i agreed with the XXXX XXXX that they will reduce all my fees, charges to $ XXXX.They have taken into account this {$74.00} on XXXX Statement.I was sure that everything on XXXX statement will ok.But I am wrong.they gave a next fee of {$160.00}. 
I have no idea for what it is.After 3 months of peace they start again dirty games and try to ripp me off on {$1600.00}. 
This company is the bigest bull shiit in usa and never should be on the usa market.This is a shame that such XXXX company exsist,
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX my telephone number was compromised. They were able to access my email and other accounts that were on my phone. They proceeded to request a password change, having both my phone number and email account they were able to do access them. They changed my password for Coinbase. In the meantime, I alerted the XXXX ( My cell phone carrier ) and shut down my phone. Changed my passwords for all my accounts and recovered my email. The hackers were able to access my coinbase account. The process to close the account and protect it, was convulsed and impossible because my phone number and email were both compromised. Hours later after the damage was done, I was able to close it down. My issue is that Coinbase has given me no information regarding my account or access to the account. I have contacted them and they are not responding to my inquiries. I am left not knowing if there is anything in my account or what has happened to my account. Preferably there is some money remaining but I don't know! Then a few days later they threatened to take the money that the hackers had tried to get from my bank ( did I mention the hackers got into my bank account because I had recurring deposits. But the bank was helpful and reinstated whatever was stolen from my account ). 
Their customer service is inadequate to say the least.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (ID)

I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

IC Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1400.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-10-20
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. (GA)

I requested and received copies of my credit report from XXXX, XXXX and Equifax. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT EDXXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, XXXX and Equifax did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, Equifax and XXXX. Attachments include account names, account numbers and violations.