davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (TX)

On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I 've written Equifax twice to remove a tax lien on my credit report and my spouse 's credit report which inaccurately reflects a paid tax lien of {$1900.00}. I explained to them numerous times with certified documentation that the lien was filed in error and should be removed. Nothing was ever paid on that tax lien. A subsequent  XXXX  filed for that tax year removed the {$1900.00} debt.     Instead of Equifax actually conducting a debt, they kept sending letters stating, " Investigation Complete ''. And I know that is incorrect.     I 've emailed them copies of emails from the State of Georgia back in  XXXX  that show that lien was filed, then removed but that no monies were ever paid. In fact, the lien was reversed and we got a refund instead.     I 've explained all this to Equifax in  XXXX ,  XXXX ,  XXXX , and now this month, and they insist on ignoring it, by sending me correspondence stating " Investigation Complete ''. I know my rights. I sent them a letter demanding a thorough investigation under the Fair Credit Reporting Act, Section 609, and they sent me an " Investigation Request Form '', with no acknowledgment of the investigation.     Equifax has caused mu family undue denials and high-interest rates because they failed to follow the Fair Credit Reporting Act and actually VERIFY the accuracy of information prior to reporting it. Instead of simply verifying whether it was filed and released.     As a side note,  XXXX  and  XXXX  immediately removed it once they discovered the financial impact to our scores. Equifax does n't seem to want to remove it.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MD)

Pay pal is issuing credit cards with a revolving line of credit without the consumer submitting an application. I made a purchase and it automatically opened up a PayPal credit account. I called customer service to have them close the account and they said that I filled out an application, which I had not. And, they said that they would close the account but that I would have to submit in writing a request to have the inquiry removed from my credit report. This conversation took place less than an hour from the time I received the email saying " welcome to PayPal credit ''. Almost all of the links on this welcome email direct you to a splashy video on how you can get what you want when you want it. It is very difficult to find where the late payment fees and the annual percentage rate fees are.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NJ)

A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.
Consumer complaint received 2020-04-21
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: WELLS FARGO & COMPANY (CA)

Wells Fargo and fraudulent debit card transactions. 

I noticed a number of debit transactions on my Wells Fargo checking account. I cancelled the card and reported the transactions. I rarely use this account and the transactions date back more than 60 days. I Understand that all transactions beyond 60 days are not usually returned. 

Wells Fargo credited my account for {$420.00} and {$13000.00}. The {$420.00} became final and then Wells Fargo alerted me to the larger dollar amount. I finally went through the account and found more charges to another vendor and reported an additional {$6400.00} I called to check on the {$6400.00} amount and Wells Fargo told me I withdrew the claim. 
They refuse to call back, email back or contact me in any way. 

The vendors are credit card processors for consumer-facing bitcoin sites with horrible online reputations. XXXX and XXXX XXXX. I filed a police report and a report with identitytheft.gov. I sent Wells Fargo the reports. 

I spoke briefly with the high dollar fraud rep who claims to have evidence proving it was me that made the charges, however, this was a debit card and the was never used. They said they would escalate my claim to the executive office. They did not and now they have debited me the {$13000.00}. 

The totally amount of fraud was over {$28000.00} with approximate {$10000.00} more than 60 days old at time of reporting. 

Please note the following : Claim numbers are XXXX & XXXX XX/XX/XXXX, to XX/XX/XXXX ( day before the first XXXX  transaction posted ) the account posted a TOTAL OF 114 TRANSACTIONS. 

XX/XX/XXXX to XX/XX/XXXX, a total of 231 transactions. The only difference in the pattern is transactions to XXXX and XXXX The dramatic increase suggests fraud. The spending patterns do not in any way correspond to the account history From XX/XX/XXXX, to XX/XX/XXXX, ZERO transactions with either merchant, XXXX or XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, 151 Transactions combined between the two merchants XXXX & XXXX in the amount of {$28000.00} Thus the Wells Fargo conclusion that suddenly on XX/XX/XXXX, I decided to patronize two extremely disreputable Cryptocurrency merchants constantly for the next 93 days without a pin number for nearly {$30000.00} is not credible. At least 10 of these transactions occurred while I was not in the country or on an airplane. 

Wells Fargo claims I withdrew the dispute but it is Wells Fargo who are denying my credit. 

The people responsible for this mess are XXXX and XXXX. 

.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (NJ)

I received a debt validation notice dated  XXXX    XXXX ,2017  from  XXXX   XXXX   XXXX  stating that an account (   XXXX    XXXX   XXXX   XXXX .  ) h as been placed with their organization for collections with a balance of {$3100.00}. On  XXXX   XXXX ,  2017  I sent  Client Services Inc  a letter that they received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response from  Client Services Inc. Therefore, the collection agency failed to validate this debt  I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX  has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX  has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # 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 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (MD)

I was recently denied a job due to inaccurate information contain in a background check consumer report prepared by XXXX which used addresses as identifying factors to link criminal charges to consumers report. I disputed this information as inaccurate and was told by XXXX the inaccuracies with addresses and other identifying factors were being supplied by Lexus-Nexis which I had disputed the information as inaccurate in XXXX, XXXX and requested Lexus-Nexis to validate their consumer report and provide names and contact information in regards to how and why they were associating the inaccurate addresses and linking to my consumer file, then refusing to remove said information. In addition, I opted out from Lexus Nexis from reselling or sharing data back in XXXX, XXXX. LexisNexis does not correct information within this system ; however, LexisNexis will not provide the sources of the data, to the extent permitted. Since this information is being supplied by Lexis Nexis I want the inaccurate information removed from their files/database and this practice stopped that a company can compile inaccurate data, sell the data and prevent a consumer from obtaining employment.
Consumer complaint received 2023-02-27
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. (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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 2022-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CT)

I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.
Consumer complaint received 2017-10-15
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. (TX)

I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Consumer complaint received 2022-12-15
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: SYNCHRONY FINANCIAL (MO)

In accordance with the Fair Credit Reporting Act, my right have been violated.

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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: OMNI MORTGAGE CORP. (NY)

I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NC)

Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.
Consumer complaint received 2016-04-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MT)

In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it