davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I entered a bill pay to send my credit card payment through Chase 's online bill pay. I entered the name of my credit card company, their address, and the amount of almost {$700.00}. I submitted the payment, but it never got to my credit card company. I called Chase and told them that the customer service rep that the payment never was received. They said that it was sent electronically, not by check. I told them that the payment was never received by my credit card company. Chase sent me a confirmation of payment and told me that I needed to contact my credit card company. I contacted my credit card company and they searched for the payment and had no record of that amount in any of their accounts. I called Chase back and asked to cancel the bill pay. The person told me that they couldn't because they got confirmation that it was received. I told them that it wasn't received and I wanted to cancel the transaction or dispute it. The person at Chase told me that I couldn't dispute it and that I had to work with my credit card company to find the payment. I told them that they can't find something that they never got. The Chase rep told me that they couldn't help and couldn't open a dispute for it. After spending several hours on the phone with Chase reps and reps from my credit card, I couldn't get any help. Finally I spoke to someone I know and they looked at the confirmation that Chase sent me. The trace number on the confirmation is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person confirmed that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase multiple times, I was finally able to get someone to dispute the transaction. I still only have a temporary credit, despite this happening back on XX/XX/2018. There are so many things wrong with this situation. First, there is a Reg XXXX violation for Chase refusing to open a dispute regarding the transaction. Second, Chase is violating the NACHA rules for using an improper trace number. Lastly, there has to be a UDAAP violation for Chase taking customer 's money and not doing anything to get it back when it goes to no one. I have a friend who banks with Chase who recently had similar issues with Chase 's bill pay.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I moved to XXXX XXXX last year, but was traveling a lot for work and ended up moving to XXXX XXXX. I wanted to open a credit account to build a strong credit score so when I was buying stuff at XXXX XXXX, I signed up for their credit card system not knowing they had put an outstanding balance of XXXX XXXX This was 8 months ago. I never received the credit card, therefore I still to this day have never used the card and have no idea where it is. Then I started getting calls from 'unknown ' saying I had to pay XXXX $ about 3 months ago, so I thought it was a fraud because they didn't specify where they were coming from. Then more unknown, or random numbers were calling me saying I owe XXXX $ to XXXX XXXX. I explained to them I have no idea why I would owe them that because I never received the card therefore I couldn't go online to pay whatever outstanding balance was on my card because I couldn't sign in without the credit card number and information in the package that was supposed to be delivered to me. My hands are tied. I kept trying to find a number to call back but could never find one. I  finally spoke to someone and just asked if I could pay whatever it is over the phone to settle this not knowing how deeply it affected my credit score. It's clearly a very, very sneaky system. My credit score is now very low because of this and I'm hoping to sign a lease for a new apartment in XXXX. I'm XXXX years old trying to start adulthood in the strongest way possible and this was a serious shock when I saw that my credit score was so low when looking to see what it is so I can find an apartment to call home and start my own life. Please help me.
Consumer complaint received 2019-02-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid 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 (TX)

I opened a credit line to buy a set of couches from XXXX XXXX. The credit is from Synchrony Bank. The initial credit limit was {$2500.00} and I used it to buy the couches mentioned above. The issue is that Synchrony bank decreased my credit limit below what I owe and my credit score shows that I'm using 145 % of my credit. Synchrony bank is doing this with the intentions of affecting and charging fees that they shouldn't have. My other concerns are that I have other cards with them and they're decreasing the credit limit and I'm afraid that they will also decrease my credit limit below what I owe, which will increase my credit usage above 100 %. I talked to them and they said that they can't do anything about it. 

As a customer, I have credit and loans with other banks and they're not decreasing the credit limit below what I owe. I don't think that it's legal what Synchrony bank is doing, specially during a pandemic year and inflation. They're taking advantage of their customers and affecting the credit score. I told Synchrony bank that the only reason that my score is affected is because what they did with my credit line, where they decreased it below the amount I owe. Synchrony bank decreased the credit line closed to when the promotion expired. They're sharks trying to charge fees and ruin the credit of the costumers. None other banks that I have are doing what Synchrony Bank is doing.
Consumer complaint received 2019-02-16
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. (TX)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2019-02-16
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. (TX)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2019-02-16
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. (FL)

Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Consumer complaint received 2019-02-16
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. (FL)

XXXX XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Neon Newco Corporation (NM)

My XXXX year old daughter received a prepaid VISA card from NetSpend with {$10.00} on it for her birthday. When we called to try to activate it, we were informed that the card is expired. The expiration date printed on the card is XX/XX/2025, currently three and a half years in the future. NetSpend claims no money was ever put on the card. They offered to send a replacement card, but stated that there would not be any money on it if they did. I asked what good it would be to send me a card with no money on it, but they couldn't answer. I asked what would happen to the money on this card. Would they just keep it themselves? They said there was no money on it again at first, but then said that yes they would keep it for themselves. This company is seizing a child 's birthday gift.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC. (MD)

I have listed all the complaints in the attached documents. The complaint is about XXXX selling my account to Midland Funding LLC, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). 

My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). 

I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.
Consumer complaint received 2019-02-16
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. (TX)

I have disputed three accounts with Equifax provided them all documentation and they have yet to remove these fraudulent accounts from my credit file. I am listing the three accounts below that I have disputed. 
XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX   {$47000.00} XXXX XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2019-02-16
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)

On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a XXXX XXXX. My mom & I sat down as I returned from XXXX and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on Equifax. We contacted XXXX & XXXX XXXX bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both XXXX XXXX & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see Equifax is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), XXXX XXXX credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & XXXX XXXX. XXXX did their job and removed it for Fraud. XXXX XXXX has not. How did a large national bank such as XXXX XXXX allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.
Consumer complaint received 2019-02-16
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)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Consumer complaint received 2019-02-16
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. (AL)

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX XXXX XXXX XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2022-01-04
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. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-16
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: Experian Information Solutions Inc. (CA)

After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of $ XXXXfrom XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2019-02-16
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. (CA)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (PA)

I began XXXX XXXX  XXXX in XX/XX/XXXX. Since then I have completed over XXXXXXXX XXXX, and continue to maintain a 5 star rating. My annual background reviews were returned of course without issue. XXXX was so impressed with my performance I was offered a job at the hub in XXXX. 
So I am sure you can imagine my shock whenever I received the email stating my application to XXXX XXXX is denied! Well that shut off my access to the app so I couldnt call in. I couldnt get through to checkr about the situation. When they would reply to the emails., XXXX would say we do not look at the report. We take the recommendation from checkr and base our decision on that. Checkr would say we do not make the determinations in eligibility we simply run the report and then hand it over to the company who requested it. 
After a month of this ping pong battle XXXX was like you have to dispute it with XXXX. I did. And after another 2 weeks the letter read there is an issue on your driving record making you oneligible to be a XXXXXXXX XXXX! I have known what gour letter report says. Another week goes by we have researched the issue and determine it to be a valid infraction we consider this case closed. Please respond if you disagree. 
Yes, I do. I just want to know the answer to this question. 
If I have been driving XXXX for over 3 years since XXXX with my previous chrckr driving accounts being free and clear How is it now there is an issue from XX/XX/XXXX making me ineligible? I am just trying to find the answer to that question yet I cant receive it and in the meantime. I am still banned from the XXXX XXXX platform!
Consumer complaint received 2020-05-25
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.