davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

On XX/XX/19 I called the customer service number on the back of my card and on my billing statement. I went through the automated system, followed all of the prompts as directed. A foreign speaking representative answered, asked the same questions asked in the automated system, and transferred me to another agent stating she could not handle business accounts ( despite the fact that I had called the number listed on both the card and the statement ). Another agent answered and asked the same questions. I was having great difficulty understanding her and asked to speak with an English speaker. She told me that was not possible. I requested to speak with someone in the United States. I was again told that was not possible. I was unable to get any assistance due to the language barrier. I was calling again to inquire about charges on my account that were invalid and to inquire about service fees. I attempted to use the online portal as well as the app. Neither of these were operational, even after resetting my account and rebooting my computer. The " contact '' option on the app was loading for several minutes, in spite of being connected to my XXXX XXXX  high speed internet. The app simply was not working at all and I was only able to get the same phone numbers I had been calling without success. This is not the first time I have had great difficulty getting information about my account. I still have open questions about an unauthorized charge on my account and fees that were charged by the company. I can and will cancel the card to avoid this in the future however I really need assistance getting in touch with someone who speaks English to remedy this prior to cancelling. Thank you for your help.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Hello, I set up a CareCredit Card through my dentist I believe in XX/XX/2018. I was advised by my healthcare provider of the amount to pay so I would not go beyond the promotional period and there would be no interest. I have agreed from the beginning to pay the amount needed to make sure I would have the bills payed in full. I have been on automatic payments with CareCredit from the beginning, have never missed a payment, never late, always payed the full amount asked. I noticed interest being charged and when I tried to call customer service they did not explain everything to me and said that I went beyond one promotional period already and I asked how is this possible?! I set everything up through my doctor with automatic payments to make sure this would not happen. No one from the company ever called or advised differently and I have blindly been paying the required amount this whole time thinking I had not interest to pay. My doctors set this up for me to ensure this! I am enrolled in automatic payment and it doesnt even say on my statements where which promotional period my payment is going too?? This is a very deceitful scam. Please help, thank you
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX I have a mortgage with Chase on a single family home purchased in XX/XX/XXXX for {$310000.00}. I put in a 5 % down payment, so I financed 95 % XXXX with Chase. 
I want to remove the PMI from my mortgage as I have certainly reached the point where my mortgage is below 80 % XXXX because I have paid down the mortgage and home values in my area have increased significantly over the time. Chase refuses to help and refuses to do an appraisal of the property to analyze the situation. 

I talked to Chase in XX/XX/XXXX about removing the PMI. They mailed me a form to fill out for the request. I filled out the form, I sent them {$100.00} for the appraisal as requested, I listed about {$8000.00} in completed improvements, as they asked. They cashed the check, so I thought the process was started. A few days ago I received a check from Chase for {$100.00}. I had a chance to call them today. I was told the PMI will not be removed and the process was cancelled because the home improvements that I listed are not enough. I told them that of course the home improvements are not enough. It's not about the home improvements mainly, it's about the home values going up which should put me well below 80 % XXXX, so no more PMI should be required. I was told the only thing I could do is fill out the same form again and send them the {$100.00} again. What for, I asked? We already did that and got nowhere. They have no other recourse. What!? 

My mortgage balance is about {$290000.00}. The house value estimated by all these real estate websites is showing around {$400000.00} to {$450000.00}. Again, property values around me have been increasing. If my house appraises for {$370000.00}, I'm at 78 % XXXX. 
I would like assistance with Chase so I can get the house appraised so the PMI can be removed.
Consumer complaint received 2022-11-10
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: Exeter Finance, LLC. (WI)

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (DC)

I have asked the purchased creditor to send me proof of the debt owed and the contract, to no avail. I have disputed the account twice and it still shows that it is validated. 

How is it validated when the requested information was not sent to me however, it is being stated as ( validated ) with the credit agencies?
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed my venture card for no reason, I have always paid my balance within a month. I always use less than XXXX % of the credit that they provide me. They pulled my credit a few months ago to open my account, and now they are closing it and this hard credit check shows on my credit files. 
I had over XXXX reward points on the account that I did not use and they just went away.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been trying to get on the extended graduated repayment plan since approximately XX/XX/2016. 3 times, I have called to have this done and all 3 times I am getting different information. Furthermore, all 3 times they have placed me on administrative forbearance where my interest gets capitalized and I accrue interest without paying off my balance, which I would be happy to do on my desired payment plan. The last time, I did not agree to be placed on administrative forbearance. Every time I have called, they say that my plan will be switched and when I check again, the issue is not resolved. The issue is still not resolved and my debt is increasing due to their malfeasance.
Consumer complaint received 2020-06-08
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. (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, XXXX, OR EQUIFAX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & EQUIFAX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Farrell Holdings, LLC (UT)

My auto loan with prime acceptance Corp was closed years ago, the vehicle repossessed. I then filed bankruptcy, and this account was on the bankruptcy. They are still reporting it as an open and late account. I filed a dispute on XX/XX/2020. They denied the dispute and started the account was still active. I have now filed a second dispute today, along with filing this complaint.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo again did not address my questions when responding to complaint XXXX, and again provided the same pre-prepared explanation and self-referential evidence. Their is no difference in their response. They are not taking my concerns seriously. They have not clarified their actions and have not refunded what they stole from my account. I am dissatisfied with Wells Fargo and their representative, XXXX XXXX.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I filed a fraud claim with Wells Fargo because there were multiple unauthorized transactions on my account. When ever i try to use my card wells fargo continuously flags my transactions as fraud. I called to ask if they called and asked if these unauthorized transactions were fraud and they could not give an answer. The claim was for a total of {$3100.00}. They notified me that they denied the claim.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

About 18 months ago I was using my debit card at XXXX and Citi blocked my card and online banking. I have been calling for months getting transferred around department to department they told me my account would be getting closed and a check with my funds would be mailed out in XXXX days. It has been over an entire year and i still do not have access to my funds which was around {$5000.00} in my account.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

have not recieved valid verification of this debt and it has been XXXX days since I first disputed this debt. .I have this debt that i do not owe negatively affecting my credit score and I need it removed from all XXXX CB XXXX. It 's imperative that verification of the identity of a consumer and the amount of the debt be obtained directly from the creditor. Mere itemization ( bill ) of what the debt collector already has does not accomplish this purpose
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (CA)

I purchased and cancelled orders for a couple purchases using PayPal Credit 's " Bill Me Later. '' The deferred interest rate was still applied to my bill despite having the transaction cancelled. Effectively, I am being charged interest for transactions that were refunded within the same day of the transaction at the 19.99 % interest rate 6 moths later.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (CA)

I sent an email Credit Karma support asking to remove vehicle information listed on the Credit Karma website on XX/XX/2019. I communicated with support over a series of weeks. They said they could not remove the information and you had no choice but to have a vehicle listed. I did not like this, so I asked to have my entire Credit Karma account closed. They said I needed to send in two forms of ID, because I had a savings account open with them. 

I have never been asked for this information while closing a savings account. I did not feel comfortable sending in the information they are demanding. I just want to cancel mt Credit Karma account. Below is the information they want. 

" In order for me to close your account, I need : Last 4 of SSN Verified phone number I also need two different forms of identification are required - either two primary or one primary and one secondary document. I can only accept documents that are current and valid, not expired. 

Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet. Your service at address must match whats on file with XXXX  or  XXXX. We can not accept credit card or banking statements or a cell phone bill. 
Once I hear back, I would be glad to continue assisting you. Thank you, and I look forward to your reply. 

Regards, Credit Karma Member Support ''
Consumer complaint received 2016-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I called to pay off the {$80.00} balance with my Macys that I found on my XXXX report. I spoke to a male and he took my credit card info to process post dated payments for XXXX XX/XX/XXXX. I called on XX/XX/XXXX because my first payment hasnt been drafted yet. The lady on the phone told me I no longer had an account and she didnt see a payment plan made because there is no acct and they are no longer collecting the {$80.00}. Im not sure why this was not told to me when I spoke to the first rep. He took my credit card information to pay for it and read me the whole script about my payment. I dont know why he really did with my info if he didnt have an account to enter it. I asked them to have a manger listen to that call and call me back and I havent heard anything yet
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Business Bureau (IL)

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and MEDICAL BUSINESS BUREA.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX XXXX XXXX XXXX XXXX  and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for MEDICAL BUSINESS BUREA they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.