davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (WA)

I have an Amazon Prime Visa card ( financed by Chase Bank ), and they have a feature where they break down what your " interest saving balance '' is each month. The statement explains : " Pay the Interest Saving Balance every month by your due date to avoid interest on new purchases and avoid prematurely paying off your flexible financing offer balances. This amount includes your current statement new balance, minus your total balance for flexible financing offers, plus your monthly payment due for all flexible financing offers. '' And also " By paying your Interest Saving Balance each billing period by your due date, you will avoid interest on purchases appearing on your next statement. '' On my statement issued on XX/XX/22, the Interest Saving Balance listed was {$1000.00}. I also redeemed some credit card rewards for a statement credit worth {$6.00} on XX/XX/22. Subsequently, on the payment page for this credit card, I was then shown an Interest Saving Balance of {$1000.00} ( which is {$1000.00} minus the {$6.00} statement credit ). So I paid the remaining amount of {$1000.00} on XX/XX/22, which was one day prior to my payment due date of XX/XX/22. On my next statement issued on XX/XX/22, I was charged {$16.00} in interest. 

I contacted Chase to get an explanation and was told by the first person that I didn't pay the {$1000.00} by the due date. I replied and explained that I had redeemed a statement credit and in fact did have credits and payments totaling {$1000.00} that were credited to my account prior to the due date, but the next 2 customer service representatives who responded did not address this discrepancy, and instead told me I had to " pay the full statement balance '' to avoid paying interest. 

I feel like this is deceptive and I would gladly have paid the extra {$6.00} with my payment vs redeeming a statement credit if I had known I would just be charged {$16.00} in interest. On this next statement cycle, I verified that this is occurring after redeeming another statement credit - my Interest Saving Balance shown to me on the payment page was decreased by exactly the amount I redeemed for a credit to my account. Chase does NOT indicate in any of the fine print that statement credits do not count towards payment of this Interest Savings Balance, and nobody with their customer service has attempted to address this issue. I plan to pay off my card completely and not use Chase for any credit card needs in the future, but I hope others are not needlessly paying interest due to their deceptive and false descriptions of this " feature '' with this credit card. 

I do not have any copies or screen shots from this initial incident that I am reporting, but I do have screen shots that I will include of my current statement ( Interest Saving Balance listed as {$270.00} ) and the change in the Interest Saving Balance displayed on the payment page ( reduced to {$260.00} ) after redeeming {$12.00} in rewards as a statement credit.
Consumer complaint received 2023-05-08
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. (MD)

I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to Equifax and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to Equifax XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to Equifax.
Consumer complaint received 2024-02-11
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NY)

Synchrony committed fraud in the original complaint Case # XXXX that was deceptively closed and never resolved because... 
1. I received NO REFUND despite the listed monetary award of {$1200.00} on XX/XX/XXXX. Synchrony closed this dispute by using unrelated purchases from XX/XX/XXXX and XX/XX/XXXX which were for lamp fixtures that I returned and had absolutely nothing to do with the XX/XX/XXXX storm door purchase. Synchrony awarded monetary damages for unrelated purchases that were returned. They committed another fraud XXXX. The XX/XX/XXXX Synchrony letter never addressed my original complaint of the fraudulent charges that were put onto my credit card. These unauthorized charges appeared on my XX/XX/XXXX statement. These charges were put onto my credit card without my authorization, knowledge, approval, my actual credit card or my presence. This is credit card fraud that was done by someone from the XXXX XXXX store and this needs to be legally addressed. 
3. Synchronys letter states that the dispute was resolved in my favor. This is incorrect since I received NO Refund from my XX/XX/XXXX storm door purchase of {$1200.00} ; they deceptively used unrelated purchases and returns to answer the complaint ; and they did not address the unauthorized credit card transactions on my XX/XX/XXXX statement. 
XXXX. The storm door purchase totaled {$1200.00} which should be the amount refunded to my Synchrony Lowes credit card immediately. All the supporting documentation was provided in my original complaint # XXXX. 
There is no excuse how Synchrony deceptively mishandled this complaint that was first filed on XX/XX/XXXX and 2 months later is still ongoing and unresolved. Synchrony has been dishonest and duplicitous in their communications with CFPB and with me.

See attached file for supporting documentation.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MA)

I opened a new loan with Kia Finance America for a new vehicle on XXXX XXXX XXXX 

Within the next few days I set up my account to autopay my loan payment every month. Because I want to pay the loan off early, I applied some extra each month above the required amount. The required amount is {$460.00}, I have set it to autopay {$500.00}. There is no option on the payment setup to allocate excess payment entirely to principal. I assumed that would happen without an option to specify otherwise. 

My first payment was drafted successfully on XX/XX/ in the amount of {$500.00}. The amount applied to principal was {$400.00} with {$99.00} applied to interest. This sounded about right so I did not check to see if my excess was entirely applied to principal. 

On XX/XX/2024 I had extra money in my savings account, so I made a one time payment of {$1500.00}. Again, there was no option to apply entirely to principal so I assumed it would apply that way. When I checked the payment the next day ( XXXX XXXX XXXX XXXX I could see that {$18.00} was applied to interest instead of entirely to principal. 

I called the lender and asked for an explanation and was told that instead of applying to principal entirely, any excess payment was partially credited towards next month 's interest as well. This reduces the effectiveness of paying early as a strategy and is not adequately disclosed to the consumer. Nor is the consumer given a choice in applying the payment as they wish at the time the payment is made. The representative I spoke with indicated this is a known problem that they receive many complaints about and that company was looking into it, however I can find posts on Reddit.com with other people stating they were told the same story as far back as 3 years ago. 

The representative said they would reprocess my payments to apply them correctly, however there is no way for me to make them continue to apply the entire excess to principal automatically and that I will have to call them every month if I wish to do that so they can reprocess the payment properly. 

It seems clear that this is an extremely anti-consumer tactic, and that many people would not notice it at all, while others may notice but forget to call regularly, resulting in the loan company making additional money off of consumers attempting to choose to pay off their loans on a more aggressive timeline to save money. The mortgage on my home allows me to pay excess entirely towards principal, as did every other loan I've ever had. 

Given the timeline of complaints online it does not seem they ever intend to add this option to their payment portal.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (FL)

I have an erroneous collection reported to credit karma by XXXX. The collection is not on my credit file but credit karma will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with credit karma telling me they woyld correct it.
Consumer complaint received 2024-05-03
Product: Credit 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: CITIBANK, N.A. (SC)

This is an ongoing issue with Citi. They have allowed XXXX charges from XXXX in XXXX, GA to go through despite that XXXX was not authorized by any cardholder in our family to make these charges. The charges are for {$120.00} and {$120.00}, both posted on XX/XX/year>. Citi has closed our credit card account which is something I requested they do after they find in our favor. Although they closed the account, they are leaving the dispute open for feedback from XXXX. XXXX has either not responded to Citi, or isn't aware that Citi is waiting for them. Citi 's communications to us have been slow and misleading. At first it appeared they sided with us on the {$120.00} because they provided no additional communications on that dispute ; however, upon further research into their site, that amount is still in dispute and undecided. 

They requested proof that XXXX was paid. XXXX was never authorized to use the credit card. That should have been enough to reverse the charges. 

We did pay XXXX by check and sent proof to Citi. Citi ignored all the evidence and has decided to wait on XXXX. They have not informed us what will happen if they don't hear back from XXXX. Citi uses email rather than a secure portal for us to provide evidence. For a company the size of Citi and the importance of security, they should offer a secure portal. 

The proof of payment we provided to Citi included both sides of the scanned cancelled check as provided to us over a secure portal by XXXX XXXX. We also provided a scanned check as it was originally written ( in XXXX ) and a screenshot from XXXX XXXX 's website showing that it had cleared the bank. We provided all of this evidence despite the fact that XXXX was not authorized to use the card in the first place.
Consumer complaint received 2022-06-17
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)

After receiving a copy of my report that I ordered a credit report with XXXX  XX/XX/XXXX, I called Experian since I saw some UNVERIFIABLE items XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on my personal profile which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity  theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity  of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2024-04-28
Product: Credit 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: CITIBANK, N.A. (FL)

I went to XXXX on vacation on XX/XX/2024. While there a charge was posted to my Citi credit card. This was on XX/XX/2024 for {$910.00} ( XXXX ) from a company called XXXX in XXXX XXXX XXXX XXXX I was in XXXX, XXXX this day and was on group tour. When we came home I checked my credit card statement and found this fraudulent charge on my card. I immediately called Citi and disputed this charge on XX/XX/2024. They opened a dispute. Then on XX/XX/2024 they text me to call them to discuss this matter. I called immediately to speak with them. They asked some questions about the bill and other charges on my card. They said that this card was present to make this charge and I said it was with me the whole time. I never gave card to anyone which they accused me of doing. They stated they will issue new card. On XX/XX/2024, they contacted me again by text with number. Did not use this number, but one on back of card. When calling back we got XXXX security department who kept on insisting that this card has a chip only to the card that we have and no one else can use it. But we never gave it out. All she kept saying it showed the card was present. After phone call completed, received another call from fraud departemnt and asked if all questions were answered. We did and they hung up. On XX/XX/2024, I looked at my statement online and saw the charge was back on. I called back and spoke with XXXX ( XX/XX/2024 ) Fraud dept. and she said that the investigation was over. I asked where was the signed receipt I requested on XX/XX/2024 by e-mail and she had no knowledge of e-mail and could not produce it. They have no evidence that I made this charge. All they keep saying is card was present and I have to pay. I have no merchandise for this charge and they can't produce evidence.. Researching the company on line, I found they dissolved on XX/XX/2024. I can not understand how Citi can not find this information since it is on them with their fraud department to keep me safe from fraud.
Consumer complaint received 2022-06-17
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4.US DEPT OF EDXXXX  XXXX
Consumer complaint received 2022-06-17
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX  XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint Regarding Inaccurate Reporting on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported on my credit report by : 1. Bank of America ( XXXX XXXX XXXX XXXX, FL XXXX ) and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX The information in question pertains to a charge-off that has been included on my credit report without legal basis. 

Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt. The absence of such documentation raises concerns about the legality of the reported charge-off.

The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies.

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.