davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of {$700.00}, {$800.00}, and {$550.00} respectively, via online banking 2 direct transfers and 1 on line bill pay from my Citizens Bank checking account to my Citizens Bank credit card ending in XXXX. On each occasion, I would check every day to see if my payments posted and they did not post but were listed on hold and not applied to my card. This continued for more than 10 days approximately 2 weeks with no explanation why the hold on my payments. The holds were only lifted and apparently applied after I called and flipped out because I was traveling and needed to make more purchases. ie. rental car, hotels etc, on the card. 
I called and ask why my payments were on hold and not posting right away. I was given no good explanation of where my money went when they withdrew it from my checking account if they did not apply to my credit card as it was intended. This is a conversion of my money. I couldve paid a different card down to use or kept the money in my account and earned interest.

On the three occasions that I made these payments, I saw the withdrawal of my cash immediately, but not the credit to my credit card. After I called and kept calling because this kept happening, they told me my payment would be applied however I never saw my balance go down the day the payments to my card were supposedly actually made by Citizens Bank. 

I am extremely frustrated because I cant tell if these payments were ever posted, and on what day the payments were posted if not on the day I made the payments, because my balance never came down on my credit card in my online banking. This is just not right to do to a person. I have never been late on a payment on my card there is no justification for any hold, Ive never heard of this happening it certainly has never happened to me before, and I think its illegal to do Im a lawyer I think its a conversion of my money that was intended for one purpose and they failed to apply it to that purpose immediately or within a reasonable time, a day or two. Where did my money go? Why weren't my payments applied right away and were put on hold for an outrageous amount of time. When I make a payment on my card I expect the payment to be applied right away or within a reasonable amount of time. This totally screwed me. I was not only out my money in my checking account but also had no room on card to charge when I was out of town. I couldve paid another card and used that card. I wrote a letter to the Office of Chairman XXXX XXXX XXXX with no resolution.
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc. (PA)

I started working from home cause I cause covid twice. I work for the lab that was doing the testing got a chance to work from home but it did not turn out how I wished it would I lost pay and was unable to pay my mortgage so I went back into the building so I would be able to provide for my family
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I received an email stating that my American Airlines account was terminated. I have been unable to use my miles that were awarded to me by Citibank since XXXX with no prior notice that my account was under review. I received various credit card sign up bonuses that included American Airlines miles between XX/XX/XXXX and XX/XX/XXXX and now am unable to access both my AA account and any miles that I have previously been awarded with. This leaves me alarmed that Citibank would approve me for a credit card that included a sign up bonus with American Airlines if I can lose all of my miles without use and without prior notice. I can also no longer gain miles by using my Citibank credit card and so the offer that I applied and was approved to is no longer applicable.
Consumer complaint received 2019-08-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates with account XXXX states this debt should have been deleted XX/XX/2019 I want this account totally removed from all credit bureaus effective immediately they are negatively impacting my credit report.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

my loan tomorrow XXXX will be transferred to faye. i am 5 months behind and while this is not a complaint. i am very concenred that while XXXX  XXXX  the current servicer has been reviewing me for a forebearance loan mod this will get lost once it transfers to faye and a slam bam thank you maam will occur.Which is out of red tape and bureacracy Faye lending will file foreclosure. i wish to avoid this. I sent a letter on Saturday. i asked XXXX to delay transfer until my review is complete. They told me i have a chance of approval once all docs are received. i care about my obligation and do not wish this to get worse. I do this complaint since i want to avoid un needed stress and red tape. DO NOT file foreclosure please. i am prepared to pay the lender and am working to sell.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

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 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank, which has now changed its name, delays the processing of payments to generate finance charges and penalties. 
This bank is now adding finance charges of {$110.00} on a XXXX dollar balance.
Consumer complaint received 2023-05-17
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-03-11
Product: Credit 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 (NJ)

I purchased a XXXX on XX/XX/year> using Capital One credit card. The purchase was for XXXX XXXX for {$110.00} which XXXX advertised being provided by XXXX XXXX XXXX XXXX XXXX XXXX Service provider ) I contacted service provider, I was told to text them and arrangements will be made to provide service. I never heard back from them, I called them many times and left messages but no response. The text went unanswered. I contacted XXXX and they told me that XXXX was redeemed and their responsibility ended there. I file dispute with Capital One but the said that XXXX responded to them saying XXXX was redeemed so Capital One closed dispute. 
I reached out to XXXX via chat ( none of their phone numbers work ) I was to to provide them proof that the service was not provided. I asked how I was supposed to do that, that said get a letter from service provider stating that. I was then disconnected. See chat and timing. I went back into another chat and ask them to contact service provider, I was told they were going to escalate the issue but never heard back. The only thing I got was a letter from Capital one saying I didnt provide requested info in a timely manner and did not provide what they requested. I did I gave them copy of XXXX and all chats.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In accordance with the fair credit Reporting act citizens account number XXXX this creditor has violated my rights. 
Under 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (GA)

I am a consumer filing this complaint against Verisk/LCI because they have are selling Unproven, NON COMPLIANT, or Unverified adverse items to XXXX to furnish on my consumer report. XXXX has continuously reported a bankruptcy item supplied by LCI and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX XXXX  Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Verisk / LCI written instruction or permission to report this erroneous information to any 3rd party to furnish on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
XXXX has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2021-11-17
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: JPMORGAN CHASE & CO. (CA)

Chase Bank is REFUSING TO REQUEST OF THE THREE CREDIT REPORTING AGENCIES, REMOVAL OF CLOSED CREDIT CARD ACCOUNTS THAT HAVE BEEN CLOSED SINCE 2016, AND ARE NOT GOING TO BE RE-OPENED! 

If a bank can report information about a credit card account TO the CRA 's, they should be able to REQUEST REMOVAL OF OUT-DATED AND CLOSED CREDIT CARD ACCOUNT INFORMATION TO THE SAME SOURCES!
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (CA)

This old account was closed in XXXX XXXX XXXX agreed to close it & they sent me to a debt collector. I paid {$140.00} of money i don't have i lost my wife in XXXX to covid 19 i am struggling to survive i want my {$140.00} back they had optioned # 1 so i paid {$140.00} money i don't have i don't deserve to be hassled by old debt collectors that still want my money from an account that was closed back XXXX i want my money back {$140.00} & take it off my credit report i paid it leave me alone stop sending me these letters I paid the optioned # 1 it was the only amount i can pay to get these people off my back
Consumer complaint received 2019-08-05
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. (NY)

In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX  years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all XXXX credit reporting agencies. Equifax, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX  years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

I was the victim of identity theft in my XXXX 's and XXXX 's, which is still affecting me today. There are XXXX  loans that I did not take out on my credit, there are credit cards, credit inquires I didn't apply for, and small loans that are not my accounts. 
I've disputed these debts several times, and they will not remove these from my credit. Some things were removed originally, but these student loans, and other accounts referenced above have not been removed. 
This debt is affecting jobs, housing and my credit.
Consumer complaint received 2021-11-17
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. (GA)

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 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: North State Acceptance, LLC (NC)

I am a victim of identity theft. I have disputed an account  with North state Acceptance and  they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.
Consumer complaint received 2024-03-11
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: JPMORGAN CHASE & CO. (TX)

in accordance/with the Fair Credit Reporting act, the list of accounts below has violated my federaly proficted condumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 US.C 1681 sectin 602A. States I have the right to privacy.

15 U.S.C 1131 Section 604 A Section 2 : It aiso states a consumer reporting apency can not Aumnish a account without my written instructions.

*15 U.S.C 1631C ( a ) ( 5 ) Sircton States : no consumer reportng agency may make any consumer repart containing any of the following iterns of information Any other adverse per of information, ofer than tecords of convictons of chimes which antedates the report by more than bren years.

15 U.S. C 16315-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency i the person knows or has reasonable cause to believe that the information is inacourate.

Delete the accounts below.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (VA)

I received a notice from Williams and Fudge bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION (FL)

I had XXXX checking accounts with Regions Bank. XXXX account went into a negative status due to some unauthorized transactions that came through. I specifically asked if Regions would reach into my positive account to satisfy the other account 's negative balance and I was was expressly told by multiple representatives that Regions would never do that. That turned out to be a false misrepresentation because on XX/XX/2021, Regions debited my positive account to satisfy the negative balance of {$820.00}. I have contacted multiple departments at Regions to obtain relief regarding their false misrepresentations but Regions has refused to reverse and/or dispute the transaction. I am currently out {$820.00} through no fault of my own because I relied on their false misrepresentations. Had I been informed correctly, I would have contacted the collections department to establish a payment plan to stop any withdrawals from my positive account. It is not right that they can tell their customers wrong information and have the customers rely on that false information to their detriment and then not offer any relief whatsoever. Importantly, I never received any notifications about the debt in the negative account advising that they would collect it from another account at Regions or that I could dispute the debt.
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 — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (KY)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company for damages.
Consumer complaint received 2019-06-19
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. (GA)

I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.