davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (AL)

On or about XX/XX/2021 I made a big purchase ( {$570.00} ) through XXXX and was offered an option to finance it with 0 % interest for 12 months ( {$48.00} monthly ). After this purchase, I made other purchases totalling {$230.00}. I sent payments to pay those additional purchases as they completed processing online in my account and awaited the interest free payment monthly. Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase financed and that they intend to charge and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a loan, it stipulates to those terms. Example would be getting an additional loan for a vehicle after getting one for a mortgage... .the terms of one has nothing to do with the other. I feel that both Chase and XXXX are responsible for putting these facts up front and that this is an attempt to deceive hard working middle class people, with motives of gaining interest that wasn't supposed to be imposed. I spoke to 6 customer service reps last night ( after receiving my new statement ). Not one could explain to me exactly how this formula worked or why I was being charged most of my purchase amount ( {$270.00} ) the 2nd month into the agreement. Luckily I can do basic math and figured it out on my own when my attempts to have explained failed.This would have been a great option for bigger purchases for family 's like mine if in fact it was an agreement that was legitimate. I always pay my balances in full and not carry from month to month. In fact my limit on this card was almost tripled a few months ago. Luckily, I can afford to pay the interest saving balance without making future purchases and avoid paying interest on any of my purchases. The issue is, that isn't what was agreed to. The agreement was for installments, interest free. That is the only reason I made this particular purchase at all. I avoid interest every month on my regular payments as well. Searching specific keywords provides these answers, the agreement is made upon checking out thru XXXX and that is where the information from chase should be provided, not hidden down deep in the World Wide Web. Thank you for your time.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I have had on several occasions noticed accounts appearing on my credit file over the last 5 years and many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never had appeared on my file as they are fraudulent and misleading about my credit worthiness.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

I experienced wire fraud ( in the form of a spoofed email appearing to be from my real estate attorney ) during the closing of our new home. A wire ( for approximately {$280000.00} ) was sent from our bank account at XXXX to Wells Fargo where it was flagged as potential fraud ( wire beneficiary name did not match the receiving account name ). Without confirmation or verification from me, both banks released the funds and WF then allowed those funds to be withdrawn. Investigations at both banks claimed that they were not at fault and each blamed each other for the wrongdoing. I feel that both banks have failed in their responsibilities, not only in protecting their clients assets but in following the law. XXXX claims to have investigated and found they weren't at fault. Wells Fargo claims that they can rely on XXXX Article XXXX to absolve them of their responsibility because it governs automated wires. Unfortunately because Wells Fargo flagged the potential fraud to XXXX, this wire was not fully automated and human intervention was required, negating their shield of the XXXX. 

I believe that Wells Fargo is culpable for opening a fraudulent account to receive these funds. So either they didn't follow bank protocols to regulate ( employing XXXX, XXXX and proper due diligence requirements ) or it was an inside job. I'd like a full investigation as to what happened. 

XXXX XXXX
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (CA)

ITS BEEN 30 DAYS SINCE I SENT THIS DISPUTE IN REGARDS TO MY CONSUMER REPORT THAT IS tremendously REPORTINIG INACCURATE WHICH IS A VIOLATION OFN THE FCRA 15 USC 1681a CONGRESSIONAL FINDINGS.ALSO I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681b ( PERMISSIBLE PURPOSE )
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (WI)

I got what I thought was a free product from XXXX XXXX wrinkle face cream they said all I had to do was pay shipping and handling of XXXX. The next thing I know I was charged XXXX for the same product which caused chemical burns on my face! When I called the company they told me all I had to do is have Direct Express call them with me on the phone and they would refund my XXXX. When I called Direct Express they refused to call the company and said I had to file a dispute! So I did but instead of trying to get my money back they sided with the company who charged me twice for one product! They are very rude people I never know if I'm getting The United States or overseas! I am waiting to see how this turns out! If I do not get my money back I am going to sue both companys! This is freud!
Consumer complaint received 2022-07-21
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. (GA)

I co-signed for my son to get a vehicle loan and was very specific with the dealer to not run my credit more than once and it was shopped round to multiple dealers without my consent. 

According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Dear CFPB, It appears that PayPal has once again frozen our account requesting the very same information they requested the last time they froze our account. PayPal is requesting documents which are not possible to provide in XXXX. Now they have even prevented my account from receiving funds from my clients and important donors from all over the world including the U.S.. PayPal is requesting utility bills as proof of business location in a country ( XXXX XXXX that still receives their mail in po box es at the post office. There are no utility bills that are issued to a business location in this country. All utility bills are sent to the listed po box . As a result, it is not possible to provide a utility bill as proof of business location. I have instead provided our business registration document which was issued in XXXX from the government of XXXX. It has the business location as an approximate area. But because it was not issued within the last 12 months, PayPal is saying they can not accept it. This makes it impossible to provide PayPal with what they are requesting since the government can not re-register us as a new business when we were registered back in XXXX. I am re-opening this case because PayPal is conducting the very same unethical account limitations as the first time I raised this complaint with XXXX  and The Consumer Financial Protection Bureau. I am requesting that the XXXX  provide me with assistance again so that this case does not arise again. I am also requesting that PayPal stop limiting my account just because I have done business in excess of USD {$200000.00} and I happen to be from XXXX. What they are doing is highly discriminatory and unfair. We raise funds as a church to feed hungry people in XXXX. The limiting of our account and the delayed responses after requested information has been submitted is very unprofessional. Since this is happening for the second time, we at XXXX XXXX XXXX XXXX request your immediate assistance. 

Kind regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: OPORTUN FINANCIAL CORPORATION (FL)

OPORTUN/PROGRESO FINAN has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

My bankruptcy information on LexusNexis is inaccurate. I am only able to dispute items over the phone and have not been able to reach anyone to assist. 

The bankruptcy does not show that it has been dismissed.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I was charged for a cash advance before XXXX and Discover can not till me when it was authorized because they can only go back 7 years. This account has accrued interest 28.99 % to a balance of XXXX. They have shown a cash advance balance of XXXX in XX/XX/2011 they said that's as far as they can go back. I never had a cash advance during the past years I have made purchases but no cash advance. Now the company tells me my balance of XXXX is related to a cash advance and high interest of 28.99 % for a cash advance that I never made no purchases included. I have spoke to them several times in the past 140 days and also the fraud department twice with no resolution and they cant show me where the cash advance came from because they stated that they can only go back 7 years. I spoke with them again today and spoke with XXXX in Ohio and she would not give me her id number. Please help with this. In reality there will be no way I can pay this amount.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

I order a credit report and see this company I have never heard of. I give the company a call at the number listed on the report and try and resolve an issue and instead of helping they kept trying to get me to give them personal identifiable information and I refused. The name of the company is XXXX XXXX. It appears that they are trying to collect a medical bill that is not owed. I was and still are a recipient of Maryland State Medicaid. I  am not sure why this bill out of the many paid by the state is being directed to me. I do not owe this bill.
Consumer complaint received 2018-09-04
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 (TX)

I check my credit report on a weekly basis and I notice before I paid the accounts to 0 balance or became in good standing with my mortgage company, my credit score was higher. After I paid one account off and became in good standing with my mortgage company my score dropped significantly. Credit Karma, sent me an email on XX/XX/XXXX stating that my score had gone up 43 points on XXXX and 46 points on XXXX. Six days later my score had dropped 49 points on XXXX and 42 points on XXXX. I have been checking my score three times a week since XX/XX/XXXX and the score goes up and down every time I check. I have been paying my accounts on time and I also find it extremely hard to get information that does not belong to me removed, there is no way to dispute items online and the only way to communicate with credit karma is by email, they do not have a way to contact them by telephone nor do they respond to emails in a clear, professional and understanding manner. I have tried to reach out to this company on several occasions and it never goes anywhere.
Consumer complaint received 2021-06-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

I have tried ( and failed ) to remove several late payments from a closed, paid-in-full account that had previously been jointly held by myself and a cosigner. After the student loan account was transferred from XXXX XXXX, AES made it extremely difficult to keep track of automatic loan payments during forbearance and we would often not find out that we hadn't made the payment until we were contacted by debt collectors. 

Since then, the account with AES has been closed and paid in full, and I have not had another late payment on any account in my name. 

Payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2016
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.
Consumer complaint received 2022-07-21
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: SYNCHRONY FINANCIAL (TX)

This complaint is against Synchrony Bank. I have mailed several correspondences to Synchrony bank over the past 18 months in regard to an account appearing on my credit profile as potentially negative. 

Synchrony Bank continues to report this unvalidated, inaccurate and incomplete account to my XXXX Credit profile. Synchrony Bank continues to request information from me in regard to this account. I do not have additional information other than what is being reported to my credit profile. Synchrony Bank also continues to ask me for my personal information including social security number, birthdate, spouse information, etc. I am not required to provide such information to request that this account be disputed and/or deleted from my credit profile. I have sent Synchrony Bank the full account number in which they should be able to locate this account and either update or delete the account from my credit profile. 

I am attaching the last four correspondences I sent to Synchrony Bank, in the correspondences I requested specific account information and documents, I also requested that Synchrony Bank delete this account from my credit profile if they were unable to complete a thorough investigation and provide the requested documentation. Every correspondence was forthright as Synchrony has ignored my requests and violated my rights. I have also attached a copy of my most recent credit report showing where the account is reporting as negative and also that the account lacks any and all account information. It also shows where I have also disputed the account with the credit bureaus and Synchrony Bank verifies the information. This account does not have any account information or history to verify. 

Synchrony Bank is in violation of the FCRA 15 U.S.C. 1681i ( c ) by failing to report an account as disputed on my credit reports after receiving my requests for debt validation.

Synchrony Bank is also in violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) for failing to accurately report information on my credit report.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

Around XXXX of 2021 I closed my XXXX XXXX account, I took the equipment I had of their to the XXXX store ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX and closed the account. The person at the counter said the account was closed and all equipment is turned in and I owe nothing. About week or so later I received a bill stating I still had equipment, I returned to the same XXXX store and the person at the counter stated, all equipment had been turned in and that my account was closed and paid in full when closed. Then XXXX sent me a bill for the month of service when they said I had equipment that I didn't have and the XXXX store confirmed. I spoke to a lady over the phone from XXXX and told her this and she got angry and rude, I told her I didn't owe anything, that all equipment was turned in and the had been closed. She said she'd elevate this and hung up on me. A year plus had pasted and the Amsher Collection Services sent me a bill for the closed account XXXX XXXX XXXX XXXX plus their fee. I contacted Amsher Collection Services and told them that I didn't owe anything and they stated they'd check with XXXX XXXX and XXXX immediately they sent me a bill stating they checked and XXXX said I owed them. XXXX XXXX XXXX XXXX owed {$49.00} and Amsher Collections states I now owe them {$59.00}. I don't owe either. I have tried to resolve this and no one from XXXX XXXX will assist me ( although XXXX did try to get me to become a customer again ). I have filed a complaint with the Texas States Attorney Generals Office against XXXX XXXX XXXX Again, I don't owe either company and never have, This started over a year ago, a False {$49.00} bill.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it. 

Received four written letters in return from each credit bureau after each investigation stating that the account was verified. 

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXXXXXX XXXX XXXX # XXXX Amount : {$760.00}
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (VA)

When I signed up for my gym membership at XXXX XXXX in XXXX, I was NOT told about all the different membership options. I feel as if I was scammed into going with the 3 year MOST EXPENSIVE plan. I had just turned XXXX and I feel as if I was taken advantage of for having such little knowledge of contracts. I have tried to cancel this membership and havent been there in months, so I simply stopped paying. I dont have any way to pay for this due to me not having a job. I am a young mother and my top priority is NOT this gym membership. I have no money to pay this off and I just wish to cancel this membership all together.