davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (DE)

I have auto pay setup for my upgrade.com credit card. For the past two months, my auto payment goes through and a day later I get an alert that i owe few dollars. The auto payment is automatically set to deduct the minimum amount due. 

A day later my account shows an outstanding balance of a few dollars. I go ahead and pay it ; The account page then shows i owe XXXX cents. This has happened for two months in a row. I called last month and could not get through. I called yesterday and sat in queue for 35 mins only to have my call dropped. I have emailed the company last month and this month. I get an auto reply stating they will review and get back to me.
Consumer complaint received 2021-12-13
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

I have an account with asynchrony bank, they gave a limit of {$1000.00}. I have never been late kept my balance under {$500.00} at all times, they lowered my limit to {$370.00} and then reported my card as being over the limit
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

The Chase identify verification conundrum - Why I left Chase Closed all my chase accounts too much time wasted, and they cant verify my identify. I've been a customer for over 10years. 

The problem : Chase dont have my cell phone number on file, and they wont accept it even if I give it to them for the OTP, so they cant verify me - so DUMB It all started when I decided to move my checking to Chase ... 
Step 1 : Transfer funds from my existing checking - BLOCKED, pending identity verification Step 2 : Customer service Identify verification requested send OTP to Cellphone, and no matter which cell phone number I provide in the household they cant take it. 
Step 3 : They ask me to go to branch, I did, they still BLOCK the transfer - ask for proof of funds by showing my bank account on my phone, I refused for privacy reasons ( ludicrous - they can ask for it ) Step 4 : I asked to close all my Accounts ( all credit cards ) Step 5 :  They completely block me out - Lost access to online access : " We locked your account to protect it from suspicious activity. '' -- I still wonder what was suspicious about a long time customer when their own process cant verify me as a customer. 

BTW : I tried one more time 3 weeks later -- for online access so that I can pay off my balance and move on. I went through the same steps 1 thru 5 above Chase is so DUMB -  they cant verify identity of their own customer. 

I sincerely hope they can fix this for others. I am now a loyal XXXX customer -- Same process piece of cake, 10 mins and I was done, which took over 20hrs with Chase and I still was unable to get it done.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX sc XXXX XXXX A, states I have the right to privacy. 

XXXX XXXX sc XXXX XXXX A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (PA)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I opened a secured card with citi in early 2017. The terms stated it would be for 18months. It was then extended another 12months. Fine. I understand that in the terms my deposit does not generate any interest to me, only to citi. Fine. They have since extended the terms for 4 years and are letting me know that they will be extending it for another 12. I contact customer service and they are useless, I can not even get them to give me the original date I opened the account. They could not even provide me with the address for the executive office, I have to resort to contacting and filing a complaint via the consumer finance and XXXX I  have a Citi account with Bloomingdales as well and I am ready to stop giving them my business. I have never made a late payment but I guess that and my account is not important to Citi.
Consumer complaint received 2022-09-24
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. (OH)

There are XXXX Medical collection accounts on my Experian report that were covered by insurance, and shouldn't have even been collections accounts. I tried to dispute them with no results returned. Now, Experian will no longer let me dispute them, or remove them from my report. They both need to be deleted. One is from XXXX XXXX, the other from XXXX XXXX XXXX.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I apply for a credit card with Capital One, I am instantly rejected due to an invalid Security Alert. XXXX reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. XXXX said they had removed the fraudulent Alert after my first application for a Credit Card with Capital One, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to Capital One and have my credit restored so that it reflects my correct " perfect '' score of XXXX?
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-24
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXS ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my credit score and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX 2020XXXX 2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

I have a mortgage with PA HOUSING Account number XXXX ( full account number XXXX ) that reports on my credit report. They are my servicer for my primary residence mortgage. I had mortgage lates over 7 years ago, and they are not taking them off, and now even stopped reporting my recent payment history entirely, only reporting my most recent payment. I want them to Please remove the mortgage lates over 7 years old, and show my most recent payment history on my credit report. I attached a copy of my report. This account shows up on page 1, as the 1st account under my name.
Consumer complaint received 2021-08-26
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-12-13
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. (CA)

My Experience with Equifax as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties XXXX XXXX and XXXX. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (IL)

Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake. 

I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX  to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX  ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor. 


Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX ) against FED LOAN SERVICING. As of XX/XX/2021, my FED LOAN SERVICING student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX and XXXX closed my Disputes with no change to my account balance and status, because FED LOAN SERVICING advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why FED LOAN SERVICING would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.