davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I bought a home with an XXXX  XXXX. I made my first XXXX payments on time to the loan company, XXXX XXXX XXXX XXXX ) however, my loan servicing was sold to a another loan company, ( Citizens Bank ) but, I made the payment to the original servicing company.XXXX not Citizens. ( I believe there is a 60 day window after a loan servicing is sold and/or transferred to make my payment? ). the payment was made to the original loan servicer XXXX in under the 30 days, however ; - the new loan servicer-Citizens Bank-did not receive the payment from the original banking servicer until 45 days after the payment was due-so they rated me late on a mortgage payment on my credit report! 
I emailed Citizens the paper trail of the payment to XXXX to prove it was made in under the 30 days, but they still marked me late on my credit. ( I believe it took XXXX XXXX weeks to forward the payment to Citizens, and therefore, it appeared I was 30 days+ late, but I got the payment to XXXX  in 25 days or so? I did not realize the servicing had been transferred and I was on vacation when I made that payment in question to XXXX. Again, I sent the proof of payment coming out of my checking account to XXXX to Citizens and asked them to remove the late payment record on my credit-BUT they have not responded and I just confirmed that the late payment is still showing up on my credit!! 

This has now become an issue as I have been turned down for multiple credit offers due to the late payment on my Mtg. Can you please help me to get Citizens to correct this late payment on my credit and punish them for causing me so much trouble, that-I have to contact you about it?.
Consumer complaint received 2023-08-15
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-09
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. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-08-15
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. (CA)

I am a victim of identity theft. Someone has been using my personal information, to try to obtain auto loans and credit cards. My information has also been discovered on the dark web. The incidents started in XX/XX/2022. I have reported this crime to the XXXX Police Department and the Federal Trade Commission. There are numerous hard credit inquiries on all three of my consumer credit reports. I have filed disputes with the credit reporting agencies, to no avail.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (TX)

Paypal Syncrony has lowered my credit limit despite never being late or missing a payment. They provided no advance notice that my credit limit would be impacted if I didn't increase usage. This amounts to a lowering of my credit score at a time when I am looking for a new home, as my available credit has decreased and my debt as a percentage has increased. I spoke with a rep today who could only increase my limit to {$2200.00}, still much lower than the {$10000.00} I previously had.
Consumer complaint received 2024-04-04
Product: Credit reporting 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. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a compliant against Bank of America. Bank of America let someone pretend to be in XX/XX/XXXX. I tried to dispute the matter several times. Some odd reason that person hack into my saving and checking account that year to transfer it all into XXXX XXXX. My account was in the negative. Bank of America advised me deactivate my XXXX XXXX and reset my user name and password. Bank of America had issued me a temp credit. After they has done their investigation. Bank of America wanted to reverse the temp credit because my name was on the account. Bank was America had report me XXXX XXXX in XX/XX/XXXX. At first, I had refused to pay for something I didn't do at all. It was hard for me to apply for any personal or business checking account because of this situation. My attorney from XXXX XXXX send a demand letter to Bank of America on XX/XX/XXXX. He gave Bank of America 15 days to resolve the matter, no response from Bank of America yet. Bank of America held me responsible for {$6400.00}. After I paid for something I didn't do. I paid it in full on XX/XX/XXXX. Bank of America told me. I have 5 years to removed from the XXXX XXXX. If I had known, I would not paid a cent. Something I should not done anyway. I request a copy of the policy. They refused. I should not paid for something, I didn't do at all. Please you want removed from the XXXX XXXX. I want my {$6400.00} back and removed from the XXXX XXXX. I have provide them documents. Bank of America ripped so many customers off. Thats why they are constantly being sue for something. Be careful having any accounts with them. Bank of America is the largest bank of crooks.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (KS)

In XX/XX/XXXX, my XXXX XXXX was totaled. It was paid off from the total on XX/XX/XXXX to ALLY Auto Finance. I was told at that time it would be 4-6 weeks for the refund on my GAP insurance since the car was paid before the loan ended. On XX/XX/XXXX I called to check on the status of my GAP refund because I hadnt received it. The GAP department informed me they had not been notified the loan was paid off or the car totaled, so they updated my account at that time. I received a letter from ALLY stating I was due a refund if {$940.00}. They said the dealership, XXXX XXXX XXXX in XXXX, KS, where I purchased the car from would be invoiced for the amount owed ( {$940.00} ), would issue the payment to ALLY, then ALLY would pay me {$940.00}. XXXX XXXX submitted payment to ALLY Financial on XX/XX/XXXX. ALLY did not cash the check until XX/XX/XXXX. The check ( number XXXX ) cleared the dealerships bank account on XX/XX/XXXX with no issues in processing. I still have not received payment from ALLY for the GAP insurance. I have called weekly to get information and every time I am on the phone for 45-60 minutes, without any definitive answers. I am told repeatedly it is 4-6 weeks, 6-8 weeks, or 8-12 weeks, every time I call. I have been told I will get a call back within 24-hours, but I have never received a call back. Each time I call, Im told by ALLY Financial it is something ALLY Auto handles, but when Im transferred to ALLY Auto, Im told ALLY Financial handles it, so they transfer me back. When I finally get to someone who listens, they tell me they can see all of the notes from my previous calls, but can not tell me when I am getting my refund. Instead they tell me they will reach out to the department that handles it ( but has not said what department that is ) and I will get a call the next day. I never get a call back though.
Consumer complaint received 2023-08-14
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. (PA)

XXXX has reported to the credit reporting agencies that I currently have XXXX loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only XXXX loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-08-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XXXX of 2020 Myself and family where dealing with XXXX  related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (IN)

On XXXX of XX/XX/2023, i made an ACH transfer of XXXX $ from my XXXX XXXXXXXX with account number ending with XXXX to my Chime bank and my Chime bank was locked for security reasons. I was told to upload some documents to verify myself which i did but I'm yet to hear from them. I called and still no change.
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MN)

The card is declined at both XXXX & XXXX which doesnt make any sense ( use as credit, no PIN number ). Plus, when using it online, it gets declined on almost every transaction. Doesnt matter the dollar amount or vendor. Then we must call in & get it unlocked every single time.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO. (FL)

{$5000.00} XX/XX/2019 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent
Consumer complaint received 2023-08-11
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: CCS Financial Services, Inc. (DE)

I have made several attempts to get XXXX to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made XXXX finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused me.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have received a cashiers check from fifth third bank. 
My bank. XXXX XXXX  says the check is not good and i need to call fith third bank to get this resolved. 
fifth third bank will not help or call me back because they say they paid the money to XXXX XXXX. 
Again XXXX XXXX says they did not receive the funds. 
I am out XXXX $
Consumer complaint received 2018-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

On XX/XX/2018, I filed for a modification of my mortgage with Wells Fargo. On XX/XX/2018, the company I was working with received an email stating that the the said home in question had been sold, and in turn denied the modification. I then called the mortgage company to ask why they reported that the home had been sold. They stated that they had not said that to the company I was working with and had given them ( the mortgage company, Wells Fargo ) the right to speak with. They also said that they had the signed permission to speak with the company that was representing and filing my modification, from me, but had not spoken with or had any communication with anyone. 
This was not true, I have an email that was sent to the company representing me from the mortgage company ( Wells Fargo ) .The email states that the modification was denied because property has previously been sold. 
The mortgage company also knew of my being in bankruptcy, as I and my attorney had informed them, and they knew that the property in question was not sold.
Consumer complaint received 2023-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REISENFELD & ASSOCIATES LPA, LLC (IN)

REISENFELD & ASSOCIATES LPA XXXX has filed a case on behave of XXXX XXXX for a debt not owed. I never had a contract with XXXX XXXX  or REISENFELD & ASSOCIATES LPA XXXX.
Consumer complaint received 2023-08-11
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance XXXX {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Southwest Airline 's website has a XXXX points after {$3000.00} of purchases within 3 months of opening a credit card promotion. On XX/XX/22, I applied for what I thought what that promotion. However, I applied as part of a purchase of airline tickets. I needed XXXX extra points ( I am a Rapids Rewards member and had enough points to cover the flight except for those ) so I bought those points. At that time, Southwest 's site asked me if I wanted to apply for a credit card ( it is a Chase card ) with a {$200.00} credit on my bill with the application. I assumed the promotions were one and the same - there was no explanation provided on the website that there were different promotions being offered at the same time- so I applied. 

I was approved for the card and received the card yesterday, Ironically, I also received a promotional mailer from Southwest the same day for the XXXX points promotion. There was nothing in the information I received with my card about the XXXX points promotion, so I called Chase and spoke with two different customer service representatives. 

According to Chase, the card is attached to a different promotion of XXXX points after spending {$500.00}. I called Southwest and spoke to three different customer service representatives. According to them, there is literally nothing they can do ; that Chase is the only company that can change it. I pushed them on the fact that it is their website with the promotion and they maintain it is not their fault ; it is my fault for not realizing it was a different promotion, and that I have to work with Chase.