davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

I had a Credit Card for business, offered by Chase Bank. When the COVID-19 hit, in XX/XX/XXXX, Chase notified me that my credit card is closed and I can't make additional purchases. They didn't give me any reasons. I didn't commit any fraud or activity that would cause my card to be shut down. I had a credit limit of over {$40000.00}. That amount was helping me manage by business and make purchases while paying off the card at the same time to avoid interest rates. 

When Chase Bank shut down my card, not only I didn't have the buying power that I needed and relayed on for my business, but also, I had to close the XXXX balance in 30 days to avoid interest charges. That was not possible, especially with all the craziness that was happening around that time. I lost 30 % of my employees, and I was having difficult times keeping up with the payments. 

I contacted Chase bank via phone, bank in XXXX, and requested grace period to close my Credit Card without being charged interest fees ( $ XXXX ). As I was trying to make monthly payments towards my credit card, I was hit by huge interest fees that were increasing my balance, instead of decreasing it. 

I made a second attempt to reach out to Chase Bank and request grace period for paying out my card- but my request was denied, regardless of the COVID-19 circumstances. 

In total, I was charged in interest and fees for this particular Credit Card {$10000.00}. 

Currently, I have finally paid off the Credit Card Balance, plus an additional {$10000.00} on top of it. I am requesting to be reimbursed for this Interest Fees, that increased by Credid Card balance, and I had to pay additional Interest on the amount that included the interest already.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (AL)

on XX/XX/2021, i sent XXXX AND EQUIFAX letters regarding the inaccurate and incomplete items they are reporting om my credit report.i sent it USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX, and i have not received anything thus far concerning this matter from neither of the CRA 's. they have also violated 15 USC 1692 F ( 1 ) STATUS 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (WA)

Experian Family membership, not being able to add an adult spouse per offer. 
Started over a year ago. Spouse 1 paid for family membership ( XXXX ). Spouse 2 received email notifications that their account could be added. Spouse 2 clicked email link. Family membership never applied, had to pay for a second membership. Spouse 1 continued to pay for family membership and contacted Experian Customer Service to resolve. Help did not work, customer service advised " cancel membership account of Spouse 2 and re-sign up with new email after waiting 72 hours. Spouse 1 waited and tried adding Spouse 2 a second time. Spouse 2 could not sign up under new email due to social already registered. Spouse 1 called Experian Customer Service again cancelled family membership per advice to try again under Spouse 2. Spouse 2 signed up for Family Membership ( XXXX ), added Spouse 1 to family plan. Spouse 1 has tried several times to follow customer service advice and sign up under new email but the social was already used under original email. Contacted customer service again with no solution. Called customer service XX/XX/22 to ask for help and a refund. Customer service gave same answer and solution as previously and refused to provide adequate refund for services falsely advertised, never delivered.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-09-11
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: WELLS FARGO & COMPANY (GA)

I do all my banking with wells fargo. I also have a car loan with Wells Fargo Auto. I was diagnosed with XXXX and XXXX Double XXXX and had to recover in the hospital for over nine weeks. I also informed wells fargo and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of Wells Fargo Auto reporting a late payment. I am requesting that they promptly take this off my report and have talked to Wells Fargo banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Consumer complaint received 2021-09-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE (FL)

To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

I applied for a Credit Card in XXXX, and was denied due to delinquent payments. I requested a credit report I needed to know who the creditor was to get this corrected. 

I was married in XXXX and was divorced XXXX. My married name was placed on a Merchants Credit Card by the Primary Account holder as an Authorized user. The creditor placed itself on all 3 Credit Reporting Agencies that I am a Joint Owner. 

I called the creditor in XXXX and spoke to a Representative XXXX, and I explained that I never applied for credit. I was listed as an Authorized User Only, but the Creditor is showing on my credit report as Joint Owner. I asked how can I get my name removed off of the account, and XXXX stated the primary person has to remove my name. I called the primary person, and asked if they would remove my name off the account, they said Yes. I didnt think anymore about this issue because I thought the issue was handled, and the file was closed. 

Once I realized that this creditor was still listed on my Credit Reports. I submitted Disputes for several years requesting Removal, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I scanned my Divorce Decree to show that all parties were responsible for paying there own debts. The credit reporting agencies didnt remove the creditor, and they stopped me from being able to submit anymore Disputes Electronically. 

I was reading information about fraud, and how accounts are opened without your knowledge. The literature stated that I should file an Identity Theft Police Report if I have Fraudulent accounts showing on a credit report. XX/XX/XXXX I filed a Police Report Case Number XXXX. 

I searched the internet for additional help with my problem, and I stumbled upon the Federal Trade Commission Identity Theft Report system. I created an account and followed the instructions on the website. XX/XX/XXXX I filed a FTC Report number XXXX listing the Creditor, Account Number, Date Fraud began, and the Amount of debt {$1700.00} requesting removal. 

I was instructed to create Dispute letter Notice to Furnisher dated XX/XX/XXXX mailed the letter with enclosures : 1 ) Identity Theft Report, 2 ) Proof of Identity 3 ) Notice to Furnishers of Information, I received no response so I sent a 2nd Dispute Letter dated XX/XX/XXXX. I received a response letter from the Creditor dated XX/XX/XXXX the Creditor used a former name listed in the Divorce Paperwork, that I never used. The letter stated the information was forwarded to the Fraud Investigation Department for further Investigation, and the Fraud department will contact me regarding my concerns. I have not received anymore letters regarding this matter.

Further instruction had me create 3 letters named Request to Block Unauthorized Charges from the credit report under FCRA 605B to all 3 Credit Bureaus dated XX/XX/XXXX. XXXX with enclosures : 1 ) FTC Identity Theft Report, 2 ) Proof of Identity, 3 ) Copy of Credit Report, 4 ) Fair Credit Reporting Act Section 605B.
Consumer complaint received 2021-09-11
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: CITIBANK, N.A. (NY)

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX XXXXXXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (NV)

XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.
Consumer complaint received 2021-09-11
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. (TX)

They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (MN)

I have a outstanding child support collection on my credit that hold my credit and me back from a lot of things its the only thing on my credit thats really bad and its not correct its hasnt showed the payments I have made over the years, its just this big collection over XXXX I need it off my credit and I was taking off child support last year.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MN)

Good Afternoon I am here to submit complaint against Westlake Financial the lender of my auto loan. Westlake Financial has my account in a charge-off status as of XXXX XXXX XXXX Which I have continued making payments since XX/XX/XXXX. In XX/XX/XXXX I have continually requested a written Payoff quote. Which Westlake Financial failed to provide until XX/XX/XXXX through email. The reason for the written payoff quote was I filed a Class Action Against The XXXX XXXX for the BUYBACK program due to having a continue recall part that has been replaced multiple times. Which I was AWARDED in XXXX of this year through XXXX XXXX XXXX XXXX. XXXX XXXX has been patience and supportive trying to get the payoff taken care of in timely manner. Which once again Westlake Financial prolonged until XX/XX/XXXX. Now where things stand, Westlake Financial has weaponized me with the REPO with the condition I would pay {$100.00} to put a 72 hour hold thereafter I would have continue paying an extra {$100.00} for 72 hour hold until they receive the Payoff amount from XXXX or Myself. Looking back at the Payment History I started questioning why I was charge interest showing payments didn't go to Principal of my loan. First charge was in XX/XX/XXXX when my contract stated first payment not until XX/XX/XXXX. When asked Westlake Financial responded " You sign Retail Installment Sale Contract Simple Finance Charge ''. Which was NOT explained at the time of purchase. This has been the biggest nightmare of me life. It has affected my credit huge. I thank you for taking the time to hear my concerns with Westlake Financial NIGHTMARE.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (LA)

On XX/XX/2021 and XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report to this day over 43 and 37days later I have not received a response as of yet. I am being put at a disadvantage and being ignored as far as my disputes are concerned. Section 611 ( a ) state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 43 and 37 days so the items in question should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress of this whole situation. My information was also effected by the Equifax Data Breach and I have no idea who may gotten a hold of my information. Please help by resolving this matter promptly. Thank you in advance.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

In XX/XX/2021 I moved out of XXXX XXXX ' XXXX XXXX XXXX. In XXXX I received their Move Out fees, for {$1800.00}, which I promptly paid with a Cashier 's Check From XXXX XXXX XXXX XXXX. On XX/XX/XXXX the cashier 's check cleared through the bank utilized by XXXX XXXX XXXX. 

In XX/XX/2021 I received a letter from Pro-Collect stating that I owed {$1800.00} to XXXX XXXX XXXX. I informed them on XXXX XX/XX/2021 that the Debt was not valid, That I had filled for Chapter XXXX Bankruptcy and to contact my attorney, and as courtesy I provided them a copy of the trace provided to me by XXXX XXXX XXXX XXXX to the email listed on their website XXXX along with the account information. 

On XXXX XX/XX/2021 I received a notification that pro-collect " flagged my account as collections. '' I logged into XXXX XXXX to verify they had done so with other credit agencies.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY ()

I am now in the XXXX XXXX XXXX and I do not have either a Debit Card or an ATM card with which to withdraw money from my Savings account with Wells Fargo. I have previously made many attempts to get a Debit/ATM card from Wells Fargo and have been told that I need to fly to the XXXX and personally come to the bank to get the card. This is because I only have a XXXX Phone Number and not a XXXX phone number through which the bank can send me a code. 
The matter is further exacerbated because The bank says that as they don't have any of their security questions and answers on file, they are not able to authenticate my Identity. However I have given them all the correct answers to the questions that they asked, in order to deal with my situation. Furthermore, My attempts to use the bank 's secure messaging system have failed as they state that they won't use that system to process my request for the card. 
On XXXX XX/XX/2021 I called Wells Fargo Bank and spoke to 5 different members of staff of the bank trying to get this matter sorted out. That exceedingly expensive call from my overseas Cell Phone lasted for 1hour and 43min overall and still I was not able to get the matter resolved. First I spoke to XXXX then to and then to XXXX of the Fraud department. Then XXXX of customer services. Then to XXXX about getting an RSA Device. Finally to XXXX from the XXXX XXXX XXXX. XXXX gave me a customer case reference number : XXXX. I am now totally frustrated
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (GA)

Back in XX/XX/2021 with Wells Fargo, I was told there was only a {$35.00} fee to wire transfer money to XXXX and those were the only fees I would incur. Well I came to find out, it cost me about {$700.00} more to wire transfer the amount of money as Wells Fargo had what I consider XXXXhidden fees '. A the time they said the exchange rate I was bring charged was the 'going rate '. After I made a complaint, they did respond stating they had a different rate to cover risks, cover costs they incur, etc. In all of the paperwork they gave me at the end, it might have been in the fine print but what they tell you verbally is completely different. I complained that these are hidden fees and they are basically lying. 

Today, I called a local branch and asked about exchanging US dollars to Euros for my trip with Wells Fargo and was told that a local branch could handle and there was no fee at all. Not even the {$35.00} fee. Just the current foreign exchange rate. Once again, this cost me an extra {$260.00} to exchange the money due to their exchange rate being so much higher. On their marketing document at the bank in very small print it states 'The exchange rate applied to a transaction includes a mark-up, which is an amount over and above the costs of funds to Wells Fargo and it is designed to compensate Wells Fargo for several considerations, including without limitation, risks taken, costs incurred, services rendered, as well as a return for the Wells Fargo on the transaction. ' Nothing I signed stated that I acknowledge this 'mark-up '. This is merely on the marketing brochure in the branch. Nothing on the receipt I received states this information. 

I just feel this is a deceptive practice being run by Wells Fargo and that their employees need to advise all customers making a foreign exchange transaction that there is a 'mark-up ' fee and be very clear on the disclosure, with customer signature, of what fees they are paying above and beyond. 

Why is the CFPB allowing this type of deceptive practices to happen?
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have tried to fix my issue with XXXX  numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX  report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.