davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am having an issue with https XXXX XXXX. This is the listed web address for checking pending payments. I have paid two payments in both XXXX and XXXX XXXX. I paid {$70.00} twice on XX/XX/XXXX. I made three payments in XXXX ( two were to pay the minimum due {$50.00} XX/XX/XXXX & {$23.00} XX/XX/XXXX. This satisfied my monthly amount due ). I did this because I went onto the web address above and looked for my Payment Status/History and saw No Pending Payments available. Therefore, I went ahead and made sure XXXX was taken care of. On XX/XX/XXXX another payment was debited from my bank account in the amount of {$110.00}, which I had apparently authorized but I was unable to see on their website. I called customer service to try and rectify this problem and was told there is absolutely nothing they can do. They can't move the {$110.00} I paid on XX/XX/XXXX to my XXXX bill ( which I found out I also had two pending payments for, both unable to be viewed via the website from above ). I feel this is an intentional issue on the part of the Bank ( not being able to see pending payments ) and it has caused multiple payments to be issued for  months that had already had a payment made. I was told I have to dispute this charge through my bank. Why is this burden on the consumer? I have done my due diligence by making sure I am not late on payments, yet the Bank can provide whatever information they want to provide and omit information to consumers that help them budget their money. Needless to say it is XXXXtime and I would really like my money back ...
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

After reviewing my credit report, I noticed I have 1 late payment being reported by XXXX XXXX I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

In XXXX of 2018 Ditech Financial claimed all of a sudden that I had a shortage in my escrow of approximately {$750.00}. How is this possible. The math doesn't add up. My payments have gone from {$530.00} to {$730.00} a month! No one will give me answers and customer service is almost non existent. I need this resolved immediately!
Consumer complaint received 2018-10-03
Product: Credit card or prepaid 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. (TX)

On or about XX/XX/2018, I, XXXX XXXX, went to a club in XXXX. When I tried to pay, my wife was notified by the Citi Bank credit card company.  My wife, XXXX XXXX, did not know I was there thus put an immediate freeze on the credit card. 
Due to that freeze on the Citi card, and once I made my wife aware it was me making the charge, we were unable to immediately release the freeze on the Citi card to pay my tab, so we used XXXX XXXX, a friend 's, credit card to pay the FULL tab. 
( Of which I have an email confirming the payment and communication with the bar manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas ). 

XXXX and I noticed a couple days later that our Citi credit card still showed the transaction as " pending ''. So we both called Citi Bank and discussed with them that the charge for the Club should not go through because 1 ) Our Citi card was frozen, and 2 ) we had proof ( in an email and with receipt ) that the payment was, in fact, made with another credit card ( XXXX XXXX ). So we submitted a formal dispute with Citi.

Citi recently emailed XXXX to say that they would not stop the payment to the Club. 
That is exactly why we are filing this claim. Our card was frozen and the payment was already made with another credit card, thus Citi should NOT charge us. 
We feel that Citi is taking egregious advantage of us.
Consumer complaint received 2023-05-15
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. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (FL)

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help me with this?
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness.  My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX   XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX   provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3.  They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7  %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.
Consumer complaint received 2020-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help me with this?
Consumer complaint received 2022-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (WY)

I was consignor on a vehicle lease. Ally financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted Ally financial several times to get specifics, ie date received and amount to compare to the Signor on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. Ally financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than Ally.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

So far on two separate occasions, on XX/XX/2019 and XX/XX/2019, I have deposited XXXX and/or XXXX XXXX money orders into my Regions checking account. Both times, I received an email the following morning at XXXX XXXX CST from Regions informing me that my deposit would be placed on hold because Regions has confidential information that indicates that the check may not be paid, even though this is not possible because legitimate XXXX and XXXX XXXX money orders are always paid 100 % of the time. I spoke to the branch manager at a branch in XXXX, XXXX on XXXX  XXXX on XX/XX/XXXX and he told me that I should provide receipts of the purchased money orders so that in the event of a hold placed by the back office, I can prove the checks were legitimate. I have uploaded images of the receipts to four money orders that are currently deposited in my account yet not in the available balance. 

It is obvious that Regions is using this false narrative of confidential information that indicates that the check may not be paid to fraudulently freeze almost {$4000.00} of mine deposited via money orders. These money orders take 1 business day to clear, meaning that Regions already has the money and is earning interest on it. This behavior is unacceptable and is no way to treat a banking client.
Consumer complaint received 2020-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.
Consumer complaint received 2022-04-22
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. (PA)

In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

On Sunday, XX/XX/XXXX, I applied for and was approved for on-line checking with Wells Fargo XXXX Banking. I was also given an account number. I called back about ten minutes later, and canceled the account, after reading that there was a {$25.00} monthly checking fee. 

I reconsidered, and called back trying to cancel my closing of the account, but was told that it was too late. On Monday, I applied again, and was approved again, and given another account number. Various other emails came, regarding how to set up my account, etc. 

Then on Thursday, XX/XX/XXXX, I received an email saying that my new account had been closed because of 'inconsistent ' information. I called to find out the issue, and was connected to the fraud department. They proceeded to present me with questions dating back to 20+ years ago. Some of the answers I knew ; some I wasn't sure about, They told me I failed the test, maintained the closure of my 2nd account. They went on to take my {$25.00} deposit fee ( after account had been closed ). 

I called the bank on XX/XX/XXXX, demanding they return my deposit back to my XXXX account, but the fraud department said there would be a 17-days-hold on my funds, while they investigated me and or my applications. 

I feel like my character has been defamed, and my deposit was unjustified, since they had already closed my account.
Consumer complaint received 2021-09-06
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. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (FL)

I HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MI)

On my motor vehicle report sent to me attached in the same email as the link to this form, it is alleged I have two failure to show insurance from the year 2018. This is untrue, the only ticket I received was in XXXX, the o ly issue that would make me think there is reason behind the error stating I received the sa e ticket on XX/XX/XXXX I beleive? Is because there was a XXXX $ discrepancy after paying the ticket I received in XXXX, w To which I paid the remaining balance and there was no issue. 

So I am.reporting my mvr in 2018 is incorrect.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}
Consumer complaint received 2020-01-09
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. (TX)

Unauthorized Inquiries. I did not authorize or have any knowledge of such inquiries. I have no dealings with XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. Nor do I have a account or have applied for anything. 

Capital One : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-01-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

On XX/XX/XXXX, I contacted Fifth Third to request prior banking reports.On XX/XX/XXXX, I tried to reconcile with Fifth Third Bank, and their customer service representative refused, to resolve matter.I was told to contact you credit company about new account pending to be open with Fifth Third Bank.In XX/XX/XXXX Fifth Third Bank representative asked me if I needed payee amount paid from my account.I didn't request this information.I reported information to another service representative.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (DC)

Chime has suspending my account for no reason and is holding money hostage. I have reached out multiple times and the agents are no help. After receiving an email saying I needed to sending documentation from XXXX XXXX, I was told that was an automated email. Today I've spoken to XXXX agents including one named XXXX. They just keep transferred from department to department. I've been sitting on hold for at least XXXX hours day. XXXX refuses to help me. XXXX has no idea of the corporate address or the CEO of Chime. I am reaching out to my attorney on Monday morning. At this point, I just want the money that was supposed to already be transferred into my new XXXX XXXX account. 

Where is my money that Chime is holding hostage?
Consumer complaint received 2023-12-28
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax, has admitted that/ was in fact a victim of this data breach and Equifax has done nothing.