davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: CITIBANK, N.A. (MI)

In XX/XX/2023, somebody hacked my Wayfair store account used my store card and made purchases that resulted in deliveries to Georgia and Florida addresses. I als made a police report in regards to these fraudulent charges. I called Wayfair store, notify them of the fraudulent charges and purchases as well as contacting Citi Wayfair card in XXXX disputing all the charges that showed up on my account I received notifications stating that they resolved and removed all the charges. However, I am somehow still trying to be collected upon to charges that were made on XX/XX/2023 one in the amount of XXXX and XXXX totaling {$510.00}. I called Citi back, notified them of the error in which they were supposed to continue their investigation into why it was not resolved and why it was still showing up. However, now I am receiving additional statements stating that my payments are behind for this amount as well as phone calls, stating that I have delinquent payments that are due, and from my understanding, I was not supposed to receive any additional bills, and that this was going to be taken care of. Now this is starting to not only impact my personal life. This is now starting to impact my credit.
Consumer complaint received 2021-08-26
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the fair credit reporting act XXXXt account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

On XX/XX/year> we issued a check to a XXXX XXXX who was to do a walk in shower. The next day or two we put a stop for the check of {$2500.00} this was the down payment that he wanted. Check # XXXX. Since there were not enough funds in the checking account we were charged for the stop payment and for the overdraft charges. They have since been taking care of. The bank took away those fees. What I don't understand is why a check went through with the name XXXX XXXX but the back is signed with his real name which is XXXX XXXX. Isn't that considered FRAUD. The bank says NO. The bank says to wait 3 days for the stop order. XXXX XXXX did it in two seconds with his mobile device. He deposited right away even though there was no sufficient money in the checking account to cover the check. I don't know how to download a copy of the cancelled check. I do have a copy. 

Thank you for any response. XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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)

N. Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXhas 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-05-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a illegal mortgage assignment, my notes was cancelled at the XXXX XXXX XXXX XXXX Bankruptcy Estate. The people who are on this assignment have committed fraud. XXXX XXXX was in bankruptcy and still is. I have XXXX illegal foreclosure judgments on me from bank of america. After a unlawful and illegal Judgment to Bank of America, they claimed to transfer the mortgage I do n't have to XXXX XXXX in XXXX 2013. I have filed a ID Theft claim and Affidavit with the FTC and my evidence along with my police report for mortgage Id Theft/fraud.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I have been trying for the last 3 years to catch XXXX back car payments up, even doubling up on my payments every month but no matter how much I pay they keep adding charges on to it and I'm still falling behind and it's showing my payments are always late on my credit report. No one I've talk to has been able to help me. They say " well, it's going down '' ... .NO, it's going UP!! They were supposed to put those two payments at the end of my loan so I don't know what's going on or how to fix it. I can't pay no more than I'm paying now and I'm thinking of getting a lawyer to resolve this issue!
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (TX)

I contacted Direct Express XX/XX/2023 because the benefits I received where not on the card I had and was told that the benefits had been paved on a new card to a previous address of mines and had been used. After I was told a provisional credit would be issued within 10 days but was not giving this because I was told they dont necessarily have to award me the provisional when they had sent sent out a new card without my knowledge and to an old address wheee someone was able to gain access and use my funds. I have bill and responsibility that need to be taking car of so having to wait 45 days for something I am not liable for is totally unfair.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

XX/XX/13 my Chime bank account was hacked or scammed! The thieves stole {$550.00} from my account leaving me penniless! I called Chime opened a dispute and two days later they said that they didn't find any fraudulent activity I said I was in Alabama the transactions happened in a totally different state! They said sorry nothing we can do we don't see anything wrong! They did this twice
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Bank of America ( the card issuer ) eliminated the " grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance.
Consumer complaint received 2019-06-26
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. (MO)

Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

1 ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 6 ) XXXX XXXX ( XXXX )
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My friend XXXX XXXX was having a party and needed his house cleaned. I helped him find a cleaning company Called XXXX XXXX. The quote was {$320.00} which XXXX XXXX agreed to. XXXX XXXX XXXX said he needed a deposit of {$40.00} to confirm the next day cleaning service. XXXX XXXX said he did not have his credit card on him and asked me to put the {$40.00} on my card and he gave me cash. I asked XXXX if I could pay the deposit and they could collect the balance of {$280.00} from XXXX after they cleaned his house. He said they could do that. He sent me the paperwork and the bill for {$40.00} which I signed and paid on my debit card with Wells Fargo Bank on XXXX XXXX XXXX. 
At the end of the month I saw a charge for the {$280.00}. I wrote an email to XXXX XXXX and asked them why they charged me and gave them XXXX 's name, address and phone number and said he was the one who was suppose to pay. I sent XXXX emails to XXXX and disputed the charge with Wells Fargo Bank. In the beginning of XXXX XXXX said from the paperwork RH sent they determined I have to pay. I did not agree and was upset. XXXX said they would send me the paperwork to look at how they determined their decision. Meanwhile I closed all my accounts with WFB with whom I have been with for over 20 years. I never got the paperwork and had to request it again. 
I just got it dated XX/XX/XXXX. I see where I signed for the {$40.00} but never {$280.00}. I see the total bill of {$320.00} which I never signed for and there is no receipt for {$280.00}. There is a signature with date of XXXX XXXX which was for the {$40.00}. That is the only copy of my signature. There is a bill of {$320.00} that they attached my signature of the {$40.00} dated for the XXXX, My debit card was charged the {$280.00} XX/XX/XXXX as XXXX did not collect money for XXXX XXXX and decided to charge me instead without my approval. 
I will not pay this charge as I did not authorize it. XXXX should not have paid XXXX. XXXX should also not charge me and put me into collections which would harm my credit report. I contacted XXXX today and they said the account was closed and I needed to take it up with XXXX. I already tried that. I expect XXXX should protect their customers especially those who have been with them for over 20 years. The claim # XXXX
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I went into delinquency XX/XX/XXXX due to difficulties paying the mortgage because I had to pay a high copay for a lifesaving medication for these months, because the medication is my XXXX medication XXXX needed to treat my XXXX. I explained this to SPS in my reason for delinquency and that my additional income from our business is no longer available due to Covid-19 impact to our business. I am asking if they can review and assist with the XXXX in outstanding payments, by adding this to the end of the mortgage or to the non-interest UPB or deferment other assistance. 
However, they denied and sent me a letter with the reasons stated : we are unable to offer you Modification, Deferral, or any workout because some are not available and unable to create an affordable payment within the programs ' guidelines. 
Now that the value of my property has finally increased, they are quicker to provide liquidation options, putting me out of my home I lived in since XXXX. 
My husband and I are both employed and would like to live in our home and continue to pay our mortgage. 
Please ask them to reconsider the decision and provide a workout option to help us stay in our home. 
Thank you.
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX has reported 3 accounts to the XXXX bureaus. Initially all XXXX account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to Equifax and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction.
Consumer complaint received 2022-07-12
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: CCS Financial Services, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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, 15 USC Sections 1681i 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 wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am having issues with Capital One regarding the company filing a fraudulent complaint on one of my transactions. I have reached out several times to them as well as the company that the funds were removed from regarding this matter. 

Capital One placed a fraud dispute on a transaction without my knowledge or consent. They claim to have reached out to the other company and are awaiting a reply ( the other company hasn't received any such request ). The other company gave me information to pass to Capital One and I did upload it to them but they're not doing anything to resolve the issue they created. 


The reference number Capital One gave me regarding this matter is XXXX.
Consumer complaint received 2024-05-08
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 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 : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00XXXX XXXX XXXX XXXXXXXX Balance : {$27.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have repeatedly tried to request XXXX XXXX  to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.