davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.
Consumer complaint received 2018-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (RI)

My student loans changed servicers and no longer has a distinct account number for each loan. It is now impossible to send payments outside of the website and specify accounts. As a result, I have had to file standing instructions for how a recurring monthly payment is allocated. 

The standing instructions are never followed and I must manually request the payment be corrected every month. I have asked instructions to be corrected several times, but the issue is never resolved.
Consumer complaint received 2022-03-30
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-11-05
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: Fidelity National Information Services, Inc. (FNIS) (DC)

I contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 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, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. 


The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 



1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-11-03
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. (IN)

As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In XXXX I recieved a auto tie loan for {$2500.00} from loan mart XXXX Wheels Financial LLC on XXXX XXXX XXXX CA. Corporate office is in XXXX XXXX CA. I had paid in full and they also Repossessed my vehicle. I then took them to court to sue them for excessive damages XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX case XXXX, XXXX vs. XXXX XXXX XXXX for Wheels Financial Group LLC.The judge made a final discovery and closed this collections stating that each parties do Not owe the others and that my account was paid in full. Since this date Wheels Financial has violated a court order and has continued to ruin my credit to this day. They were supposed to have closed my file as a debt has been ordered to been paid in full. They are now committing fraud and extortion and will not remove the the accumulated amount of {$16000.00} on my credit report and will not fix the credit problem they have caused on my credit score and remove and stop the negative unowed balance causing severe damage to my credit report and will not lift the repo claim from my vehicle they stole with a faulty title lien following the paid in full status. This has occurred more than seven years. I have contacted the credit agencies and they will not remove it either. I contacted Wheels Financial and they refuse to remove and fix the damage done. My bank statements prove the title loan was paid off. Payments were maid through XXXX account I had In the past.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

first payment attempt : XX/XX/2022 second payment attempt : XX/XX/2022 I made the first attempt paying my bill with the checking account ending in XXXX. I received an email stating that my payment had been returned. Reviewed payment history on the website and saw the first attempt payment was not pulled from my checking account ending in XXXX, however, from an old account that is closed ending in XXXX. I removed that old account using the the Synchrony app, so I am unclear how the payment went to be processed using that account instead of XXXX. I called customer service, and representative advised me that there were no record of me removing old account ending in XXXX, and that I should review the website instead of app to verify my banking information. I have done that as of now, and the account is reflecting XXXX banks which is correct and I do not see the account ending in XXXX. So again, I am unclear on how the payment was processed using that account. I want this issue noted on my account. This is a big red flag, and if it happens again, my account is in danger and could be closed due to this. This is Synchrony banks errors, not mine. Please adjust my account profile if the old account ending in XXXX is reflecting, it should be removed ASAP.
Consumer complaint received 2018-05-12
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. (KS)

My credit report has six inquiries from same company over last two years they just did inquiries again XX/XX/2018 I do not use this company and have no association with them or affiliation s of the company.
Consumer complaint received 2022-07-11
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

This is a complaint with respect to two responses received from XXXX XXXX XXXX ( " Bank '' ). The complaint numbers were XXXX-XXXX and XXXX-XXXX. The responses provided were factually inaccurate and potential libel actions. The Bank 's employee has lied about the series of events that occurred. My wife did not use any " inappropriate language '' nor did she commit any " inappropriate actions. '' Furthermore, the monetary relief the Bank claims it has provided is not relief of any kind. It is the return of our property ( i.e. the funds in the account ). No compensation or apology has been issued by the Bank or any of its employees. In fact, it was the particular Bank employee who escalated the situation and caused a scene which made me fear for my safety and the ability to have continued access to my property. Frankly, it was the worse customer service experience I have had in my life. This whole situation could have been avoided had the Bank employee let me access my safety deposit box during my daughter 's wedding. It was only when I pointed out a flaw in their security procedures that the Bank employee became defensive and raised her voice. The reason for resubmitting this compliant is to bring to the attention of the Bank the actual events that occurred and to affect actual change there, so this does not happen to any other customer. I hope this complaint is taken seriously because the deceit and duplicity my wife experienced as a customer of the bank ( for over a decade ) is simply unacceptable. There are consumer protection laws to ensure that customer do not get treated this way, and I would much rather have this resolved in this manner than take legal action for the way my wife was treated. Please address this immediately and provide some actual relief, rather than deceptively implying that monetary relief was provided in this case.
Consumer complaint received 2022-07-11
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. (AZ)

I, XXXX XXXX, am stating that Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my Equifax credit report : ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-03-30
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: CITIBANK, N.A. (DE)

I made a purchase of XXXX XXXX  mouses on XXXX  on XX/XX/XXXX but I never got them. I contacted the merchant a month after the purchase date but the merchant said they can do nothing because it has been over 30 days and ask me to file a claim with my credit card company. And I did that on XX/XX/XXXX. However the merchant used the XXXX  tracking information of another order which was placed on XX/XX/XXXX on my account to prove that the order was delivered. Citi just didn't look into that and denied my dispute. And I am not able to file the claim again. I am so upset about how the merchant and citi bank treat their customer in such unfair and careless manner
Consumer complaint received 2022-07-11
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: Bread Financial Holdings, Inc. (TX)

XX/XX/2021 I got an alert I had a inquiry on my XXXX account. 

I'm so confused because I did not give anyone any permission to run my credit. 

( ComenityCapital/XXXX ) Address XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2022-03-30
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: LEXISNEXIS (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX XXXX  Please remove this bankruptcy from my public record
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

I made a purchase with my American Express card, for a vacation package. The date of the purchase was XX/XX/2022. The price of the package {XXXX} flight and hotel combine together. Unfortunately the flight was cancelled by the airline. On the date of travel. Citing issues with the airplane. The agent at XXXX ticket booth ensured me that I would get a full for the ticket only with 7-10 business. When I contacted the hotel they were giving me the run around which prompted me to file a dispute with my credit card American Express. The biggest mistake of my life. It has been an uphill battle getting this issue resolved. American Express will credit my account then reverse. This is a dispute nightmare. XXXX claimed that they attempted to refund me back my money but because I dispute the charges. Granted I was only trying to dispute the hotel charges. American Express took upon themselves to chargeback the entire amount. Causing XXXX refund to kickback. Then American Express turned around and refuse the chargeback. American Express is by far the worst credit company known to men. And I honestly believe that there needs to be an investigation on their business practice. This is the second complaint file with your agency regarding this matter with American Express. They will issue a XXXX apology give me a temporary credit then reversed the credit a week later. With no valid explanation. At this point something has got to give. I will include copies of the live chat conversation with XXXX to support my claims. But knowing how American Express does their dispute it really doesnt matter. Im only filing this complaint as my last resort. Before seeking legal counsel. Because American Express is not following their purchase protection claims policy.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Spoke to a representative for POrtfolio recovery, they are not able to provide me with any validation saying I owe them {$1200.00} I Have not received any previous mail from them., nor am i aware of what this debt consist of. 
I also asked for them to remove this from my credit report until further information is provided to me to validate, and they informed me they are not able to assure they can do this, making it a violation on my consumer rights.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My identity was stolen from a women what found my information at a hospital. Instead of returning it, she imposed as I for 3 years until she was caught. I sent all 13 pages of the police report to XXXX, XXXX, and XXXX. I also sent it to all of the accounts that were fraudulently opened. 
Yet, 5 years later 2 companies XXXX XXXX XXXX and XXXX XXXX are still trying to have me pay the debt l didn't accrue. 
XXXX XXXX XXXX reps are terrible. Threatening to call all hours until the debt is paid.
Consumer complaint received 2022-03-30
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. (MS)

I have made several requests to have incorrect name spellings removed from my report I have made several requests to have incorrect addresses removed from my credit report. 
I have made several requests to have alias and alternate name listings removed and they remain. 
Errors have not been removed
Consumer complaint received 2022-03-30
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: ID Analytics, Inc. (PA)

XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Consumer complaint received 2022-03-30
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: CBC Companies, Inc. (PA)

XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Made a {$450.00} payment to Capital One with my debit card. The funds were taken out immediately but never applied as credit. I called in to ask what was going on but the only answer I get is the system put a 26 day hold on my account and there is NO one available who can tell me why. Ive made frequent payments on from the same debit card with no issue. I believe I am being punished for taking advantage of their cash back rewards. 
I made a large payment so that. I could continue to pay bills with this account, because of the hold, I now have to figure out how to come up with XXXX to pay bills before they get shut off and face more fees, the only option that was given to me by the company was to call my bank and stop payment on a charge that I legitimately made and I would rather not.