davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (CO)

I have recently applied for a Chase credit card and been approved. After setting up my account, I tried to use XXXX XXXX. The system told me I need to call, as there was a problem and they needed further info. 

I have called three different agents. Every time I call, I have to enter my full Social Security Number and my date of birth. After being connected to the agent, the agents ask me for the Social Security Number again. I am very concerned giving my SSN to somebody over the phone. I don't understand, why Chase would need to have that twice and why there is no safer way to identify me. This seems to be reckless. 

Also the agents were completely incompetent and I assume they were located somewhere in XXXX. Is this a third party call center and how is my information safe? 

The third agent finally told me, that the issue has to be fixed with XXXX but that I need to call earlier. 

So I called today again. Fourth agent put me thru to XXXX. Again, I have to give my entire information over the phone. They say that Chase reported a wrong Social Security Number and that I have to contact Chase again. 

Fifth agent at Chase ( XXXX ) I talked to, again asked me for my SSN. I told her what are my concerns. She tells me, that she had many other customers telling her that concern. She could not tell me, why this has not been fixed or why she is not able to explain, why they have to ask for the full SSN. She also tells me it happens that they screw up SSN numbers, when connecting to XXXX. 

I would like the two following questions answered : - Why is Chase asking for full SSN over the phone, even though customers are prompted to enter SSN before getting connected? 
- How could Chase approve a Credit Card if my SSN is wrong or does Chase have a systems issue, so the interface of XXXX XXXX to XXXX screws up the SSN?
Consumer complaint received 2019-08-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. (CA)

Our Citibank Cd was renewed at the wrong rate and duration. On XX/XX/19 I called XXXX and spoke with XXXX to renew our Citibank cd at 2.5 % for 12 months which she offered. Mistakenly, it was renewed at 1.5 % for 13 months. I never got confirmation so on XX/XX/19 I called back and spoke with a very rude and incompetent banker named XXXX who would not help me or give me her supervisor 's contact information. I went to our branch and dealt with XXXX XXXX, Citibank XXXX XXXX branch manager ( XXXX ), and she just filed a dispute to investigate, case number XXXX. I tried calling her back to check on case, and no answer, and could not leave a message. So on XX/XX/19 I call the XXXX number back and am told by c/s rep. XXXX our case was cancelled. She says she will escalate it and gives me a new case number XXXX, and tells me to call back in 10 days. I call back on XX/XX/19 and speak with XXXX who is evasive and says it has been resolved, but can't tell me the results due to privacy concerns. She says I will get a letter at the latest by XX/XX/19, but I did not. They are refusing to correct their error. Also, one of their c/s reps told me that there are notes in their system showing I spoke with XXXX on XX/XX/19 regarding our cd. I was within the grace period. Thank you.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

Received notification on XX/XX/23 that my Synchrony savings account had been " Restricted ''. In speaking with customer service via phone on XX/XX/23, I was told that it was Restricted because I had added my wife 's XXXX XXXX  checking account - which is solely in her name - to my Synchrony savings account and initiated a {$600.00} transfer to her. I explained that the Synchrony system allowed the account to be added and did not warn against using an account with a name other than my own. Regardless, I have to wait 3-5 days for the money to be transferred back to the Synchrony account before I can remove my wife 's XXXX XXXX account. But even then, I'm told my account may be frozen for 30-60 days while it is " reviewed, '' which is unacceptable. The money in this account was from a recent house sale, which is needed to purchase a new house.
Consumer complaint received 2023-02-28
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2023-03-07
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. (IN)

I have been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account 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 consent or instructions.
Consumer complaint received 2022-11-30
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)

Equifax continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

In the last 2 years I've been charged over {$3000.00} in overdraft fees. I requested in writing a refund on those funds & was only returned {$340.00} back. I've been with Wells Fargo for over 20 years.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX  a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX  {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX. acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (NM)

Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable
Consumer complaint received 2019-07-11
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. (MO)

Equifax ; XXXX  and XXXX  are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (MO)

XX/XX/2021 I put a downpayment on a car with this company Westlake financial of {$2000.00} and also paid {$980.00} in additional charges for having it XXXX months, they're in violation of the truth in lending act as I paid cash and a downpayment on my vehicle they're also in violation of XXXX XXXX XXXX and XXXX XXXX XXXX I would also like to use my right to rescission and collect all remaining funds from the vehicle plus my down payment and my money for installments I would also ask to dispute this charge off of my credit report as it hurt my XXXX XXXX for the remaining time
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MI)

On XXXX XX/XX/2023 I received a notification from XXXX that a collection item had been placed in my XXXX credit files by I. C. Systems , Inc. in the amount of XXXX  XXXX ( XXXX ) dollars. To be clear I have not received a collection notice from I. C. Systems , Inc.. Given the amount, it would appear to be an item that was returned to the alleged original creditor " unable to collect '' because the former collections agent was unlawfully engaging in collections without license in my state. I asked that agency to verify and validate the alleged debt -- they did not. I asked the collections agent to provide me with a copy of the bill that substantiated the alleged amounts owed to the original creditor -- they did not. I asked for the name of their registered agent in my state, their business ID, and their license number with my state 's regulator -- they refused. Now, per the FDCPA I have thirty ( 30 ) days after receiving a collection notice to dispute the alleged collection item. Customarily the collections agent does not place a collection item within credit files until the debt can be verified and validated after notification of dispute is filed by the consumer and/or payment for the alleged amount is submitted before the thirty-day period has lapsed. I have received no collection notice and thus have been unable to exercise my right of notice and opportunity to be heard. As an individual that is employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my finances are periodically reviewed and I am required to handle financial issues within close proximity to receiving notice. This makes right of notice crucial to mitigate any concerns, or perceived concerns, surrounding issue of national security. Finally, to mitigate any distractions that may arise from civil issues, we are given the ability to obtain counsel through a third-party as a part of our employment benefits. Given the nature of my employment, financial matters are of utmost concern.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MN)

XXXX, XXXX  I had a balance of {$780.00} due on my Macy 's credit card. I initiated a balance transfer from my XXXX XXXX with XXXX XXXX  of {$780.00} to pay off the Macy 's card. In XXXX I noticed there was no action taken so I called them for an explanation. On XX/XX/2022 they sent a letter stating that they sent a check, no. XXXX dated XX/XX/2022 for {$780.00} to the payee and the transaction was completed. So the account was put in dispute and after numerous phone calls, etc. Macy 's turned it over to the XXXX XXXX XXXX and they assured me the account was froze and no more additional fees would be charged. As of today, I have not received an answer on this and they keep sending me updated bills adding that fee. When I phoned XXXX to check the status, they couldn't tell me anything but that it was closed. Yet I got a note from my bank that they have flagged this and it could go on my credit report. I am so upset and have spent so much time on this. When I called XXXX today, they just disconnected me, like they didn't have an answer. I am begging you to please help me with this. That check was applied somewhere and no one knows. At one point they had my wrong birthdate and not sure that could have affected things. Please help me with this. Thanks.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (MI)

several inaccuracies in my credit report. Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have a right to dispute and correct any inaccuracies in my credit report. 

After reviewing my credit report, I have noticed several errors that are negatively impacting my credit score and overall financial standing. Specifically, [ provide details of the inaccuracies here, such as incorrect personal information, outdated or inaccurate account information, or fraudulent activity ]. 

I have attempted to rectify these inaccuracies with the credit reporting agencies directly, but have not seen any resolution or improvements. As a result, I am seeking your assistance in resolving these issues and ensuring that my credit report is accurate and up-to-date. 

I respectfully request that you investigate these inaccuracies and take appropriate action to correct my credit report in accordance with the FCRA. I appreciate your attention to this matter and look forward to your response.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (AZ)

On XX/XX/2021, mortgage documents were executed with lennar mortgage/lennar homes XXXX and we were decieved by the product and community promised by lennar mortgage/lennar homes. Builder didnot disclose Red paint that would be painted through out the community, builder didnot disclose the monument being installed .the actions of lennar mortgage/lennar homes are depreciating our home value.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (UT)

US Dept of Ed Borrower Defense Dept. has finally been held accountable for their actions. The judge issued their final decision and the email attached will express that decision. I highlighted the area that they need to pay close attention to. I called Borrower Defense this XXXX in reference to this email sent on XX/XX/XXXX, to remind them they need to make FedLoan Servicing aware that this is now ordered per the court to be removed from my credit. It does not matter that the servicing contract was canceled. They show this on my credit report still and as of XX/XX/XXXX when I ran my credit. It's now time to do their part. Borrower Defense said that they would notate my account. I don't trust them because when I filed my Borrower Defense app in XXXX, they ignored it, sat on it, did nothing and lied to me every time I called. Hence the need for the law suit. Well Sweet vs Cardona was settled in favor of the Plaintiff and it's time to start doing what the judge said! No more stone walling, it's over! Let 's clear the slate!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (OK)

IAM requesting Equifax, XXXX, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX XXXX XXXX XXXX at XXXX XXXX as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX. I presume no evidence of the Alleged Debt therefore exist. 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 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 2023-02-20
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OR XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021