davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: JPMORGAN CHASE & CO. (VA)

I paid off my Chase Sapphire credit card, which had held a balance for a period time after a period of financial hardship. My income had increased by $ XXXX, so that was updated as well. 11 days after paying it off, Chase Bank lowered my credit limit by 90 % XXXX XXXX XXXX XXXX XXXX  ), completely negating the effect of paying off the card on my credit score. This seems designed to keep me in a debt trap, as it prevents me from obtaining consolidation loans. It is effectively punishing me for eliminating the interest-carrying balance on the card. 

Chase has refused to reinstate the old balance, and claimed to be unable to escalate me beyond a second tier of account specialist. The factors they listed in the letter they sent were mitigated by my payoff, but it was as if the payoff was in fact the impetus for them to lower the limit. A slightly lowered limit would be understandable, but a 90 % reduction is capricious and punitive. It turns me off entirely from ever doing business with Chase again, as they seem to want to punish consumers for using their credit line or having periods of increased financial burden.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Saturday XX/XX/2023 at around XXXX EST I deposited {$1000.00} cash ( XXXXXXXX XXXX XXXX ) into the Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I was told that there was a problem processing my deposit and to take the cash back first then my card. The machine did not dispense the cash instead telling me to take my card and that the machine was no longer accepting deposits. I immediately called the number on the ATM to file a missing deposit report which they told me they had submitted, I called back today to check almost a week later and there is no update on the claim I filed. The money has yet to be credited to my account and Huntington is dragging their feet with this issue. Any help would be greatly appreciated!
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AR)

Citi Bank credit card company is at it again. Previous complaint filed with CFPB " XXXX '' and they began charging the account with two monthly debits since XX/XX/2021. 

Here 's is the Citi link https : //online.citi.com/US/ag/disputes/disputecenter What is wrong with you people? We do not and have not subscribed to any newspaper. We get our news online. Here is Citi 's own acknowledgement. 

" Case resolved in your favor on XX/XX/2021 Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

PERMANENT CREDIT APPLIED $ {$1000.00} This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Permanent credit applied Case ID XXXX '' Citi credit card issued to XXXX and XXXX XXXX, XXXX XXXX AR XXXX We stopped using Citi card and went to XXXX XXXX card ( see complaint filed with CFPB XXXX which has not been resolved ; payments due on both card XXXX
Consumer complaint received 2022-03-09
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. (NY)

XXXX XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.
Consumer complaint received 2021-04-18
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: SYNCHRONY FINANCIAL (HI)

Synchrony Bank / Sams Club Visa card I made a charge on XX/XX/2021 to XXXX XXXX. I made a purchase for an airline ticket and baggage charge that I did not receive my refund back from the merchant. They maybe in cahoots to delay the refund for the ticket/baggage charges as follows ; $ XXXX ticket fee and {$150.00} for baggage fee. They have refunded the insurance and a meal ticket for {$24.00} + $ XXXX {$40.00}. Im still waiting for the ticket and baggage fees which total {$910.00}. I believe Synchrony bank maybe the culprit of the problem and I thought it was the XXXX XXXX.
Consumer complaint received 2019-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed through XXXX XXXX because transunion will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my transunion credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a zero balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Consumer complaint received 2023-03-18
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: WELLS FARGO & COMPANY (MD)

The reason for the dispute previously submitted and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from my credit report.
Consumer complaint received 2019-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

An automatic payment was scheduled for XX/XX/XXXX. During the transition of my bank, the routing and account numbers were changed resulting in a bad draft payment. The same day, I made an electronic payment from another bank ( after moving the cash around ) and it cleared my account the same day. Since XX/XX/XXXX, we've opened 6 cases for research which has amounted to nothing except threats that we are behind on our mortgage ( which, we aren't ) and the staff is not helpful at all. Every week we call, they tell us it'll be another week. One representative literally told us nothing was done with our case and they just closed it. We conferenced in a representative from our bank who provided the trace number so they could find the money on their end but still, no credit to our account. We're going on 4 months here and someone else probably has my payment attached to their account!
Consumer complaint received 2022-05-14
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)

n accordance with the Fair Credit Reporting AcXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

I have been trying to set up automated monthly payments since XX/XX/2022. Something is completely screwed up with US Bank 's automated payment system online that is not retaining the information I input- nor are notes taken or activated from my numerous calls. I have successfully faxed the form on their website to the correct number TWICE and it was delivered both times, but apparently, it was never applied to my account. I thought for sure the payments would be made, but once again they weren't and I only know this when another late payment notice comes the next month. I've spent literally hours on the phone trying to get this addressed and no one ever can figure out what the problem is and I get shuttled around from person to person. 

This is a very serious problem because not only are they refusing to refund the late payment fees that are not my fault- WHICH IS FRAUD - but the last one was reported to my credit report. I contacted their collection department 2 weeks ago and have not heard a word back from them. The fact that this is a US Bank error was acknowledged, straight up, when several agents agreed that the fax system to set up minimum monthly payments DOESNT ALWAYS WORK. They are then stealing money with the late fees and refusing to pay it back. Now there is also an incorrect mark on my credit report that is NOT MY FAULT. 

I have spent HOURS and HOURS on the phone and nothing is ever accomplished but paying the past due amount. I call back to set up the payments and then it's not done, which I only know when I get another late payment notice the next month that they also refuse to refund. I sent in the paperwork twice - following their directions exactly and the payments weren't set up either time. I am beyond over this but I am also completely stuck. I am facing some very serious issues that need my time and attention to be on other things. I can't keep sinking all this time into something that should be as simple as clicking a few buttons on their website. I want to make my payments on time and their system isn't letting me and now theyve stolen from me and put a mark on my credit report that was due to their system errors- not mine! This is NOT OK. PLEASE HELP!!!!
Consumer complaint received 2019-10-10
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. (AZ)

The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up attempt to complain about me being a victim of Identity Theft. I want you to remove or block these items that are erroneously reported in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citzens-alert : We have temporariIy restrictd your XXXX due to unusuaI XXXX XXXX XXXX to confirm your details. 

I don't have a citizens card. So I wouldn't be able to have it restricted.
Consumer complaint received 2020-11-10
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: JPMORGAN CHASE & CO. (WA)

Applied for the Chase student card on XX/XX/2020 and the Amazon Prime Chase card on XX/XX/2020. These two inquiries are correctly reflected on my credit report. However, on XX/XX/2020, a third Chase hard inquiry showed up on my credit report. Called in to XXXX on XX/XX/2020 at XXXX XXXX, was informed that I should contact Chase to have this corrected. Called Chase immediately after, was informed that the third hard inquiry was for verification purposes for mismatched social security. However, during the verification process my social security number was not submitted, I only had to submit my address and date of birth.
Consumer complaint received 2023-03-18
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. (MO)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : XXXX. 

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 2021-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on Experian in the status section on XX/XX/XXXX but they updated there info to experian and XXXX XXXX and they didnt verify I have proof of an old report from experian I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX  last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Consumer complaint received 2021-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I have an auto loan with JP Morgan Chase ( Chase Auto Finance ). My last payment was made on XX/XX/XXXX in the amount of {$200.00} using a check drawn on my bank account. My payment is usually XXXX, but this was the last payment I owed. I paid the final balance of {$200.00} using the Chase Auto automated system, as I have done for the entire length of my loan, approximately 5 years. I have used the same account information, and it has been stored in their system for the entire duration of my loan XXXX XX/XX/XXXX ). I do not manually enter the information, it is stored in their system. The auto attendant confirms the banking information used on my last transaction, and there is a series of authorizations to process the payment. 

On XX/XX/XXXX I was notified by Chase that my payment had been returned by my bank due to " No account found ''. I asked Chase to provide me the the account information on the returned check since I have had my bank account for over 20 years. They could not provide me the information. I was told that they did not have that information, I would need to contact my bank. 

I contacted my bank. The check had not cleared my account, had not been processed through my account, and there was no return on my account and no return draft fee. My bank 's accounting department researched the transaction amount and was able to locate the transaction. The check was drawn on a bank account that does not exist. Also, the account used was not similar to my account number, and is not the account number that is on file with Chase Auto for me. I do not know how a non-existent account number processed in the Chase Auto system. I did not enter ANY account information on XX/XX/XXXX. I used my " saved '' information, and confirmed my account number. 

Chase Auto stated that I entered the account information wrong. No, I didn't enter the account, I authorized payment from my account number on file. Chase Auto said I must have made an error. No that didn't happen. Chase Auto customer service has refused to assist me, routinely hangs up, and keeps transferring my call.

I want to make sure that this is not reported the credit bureaus. I have never had a 30-day late, and they can't tell me if this will trigger a 30-day late or not. They can not explain why this happened. They charged late fees and interest. They are refusing to help me. 

I feel suspicious about this since this was my last payment, and wonder why it went wrong. How and why did this happen. Was their system hacked? Did the system go down and was my payment manually entered? Did this happen as a way to charge fees and interest since I paid my loan off early? I have no idea, but this is VERY wrong. I can't be the only one. This glitch in their system has to have effected others.
Consumer complaint received 2022-05-14
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. (GA)

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt