davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

Chime.com is an obvious fraud. They bought my information to send me a text early in the morning. Worried about fraud they offered a phone number online. A real person picks up that asks for your name and ssn. I refused. She transferred me to another " higher '' department where I was hung up on. I went to their website, no option to close account. Download their app on XXXX XXXX, change my password in case it's real, try to close account and it only allows u to talk to another " rep '' that can't close your account without ssn/dob. Also their chat option starts to slow your phone down to frustrate you into providing the information. They are likely printing fake cards as a fake company to defraud the banking industry a small amount at a time that the bank would likely just write off because it isn't worth pursuing. Send a man to close down their po box at least. Send a computer guy to hack their stuff. I'm doing my part. This is one of the best phishing attempts I've ever seen. I hope someone in your office can do something about this. 

Chime XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MI)

Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 years
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I opened an account online with a promo code that promised {$300.00} incentive with first deposit of {$500.00} or more. My account was blocked and even after I submitted the required info my account was still not unblocked. Very unhappy with Key bank processes.
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/2024 and my Mortgage payment has not been posted. The mailing address for my payments is : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
However, My XX/XX/2024 Statements address was : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
A different XXXX XXXX XXXX, I dont understand the deception. 
I have asked Select Portfolio Servicing, several times who owns My Mortgage Loan. So, on XX/XX/2024, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX. I have a copy of the Signature Confirmation. Today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, who is the owner of my mortgage Loan. It is Select Portfolio Servicing obligation to provide me the Name, Address, and Telephone number, of who owns My Mortgage Loan. Moreover, I have asked Select Portfolio Servicing, numerous times to post my payments, on time.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX
Consumer complaint received 2017-01-04
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: CITIBANK, N.A. (AZ)

The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I have a letter from XXXX XXXX XXXX with the control number, which is : XXXX that request Equifax to remove this information off my profile and they refuse to do so. It 's been over 60 days fighting with Equifax and I 'm trying to buy a house. Please have them to remove ASAP! I have attached the supporting document for your review.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc. (TX)

My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

We submitted for short sale XX/XX/XXXX. On XXXX XXXX, XXXX the bank made a counter offer for {$150000.00}, which our buyer met on XXXX XXXX, XXXX. We have now been waiting for 3 weeks for any response from the bank regarding the written approval so we may move forward with this loan.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MI)

On XX/XX/2022 my Tax Refund was deposited into my recently opened Credit Karma Debit Account. I have been trying to activate the card and/or move funds to a different account and I keep getting a system error, Ive tried using their app, website on mobile device and on computer and I get the same connection error message. I am now very late on my payments due to this inconvenience. I have tried contacting their customer service at XXXX ( XXXX ) XXXX multiple times and Its impossible to get a live person and I end up getting hung up on. Im frustrated, in debt and planning on going to court because according to the reviews I am not the only one they have done this too.
Consumer complaint received 2021-06-04
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 reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Consumer complaint received 2020-10-19
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. (TX)

XXXX, XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$5800.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$5800.00} Date XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX
Consumer complaint received 2022-02-14
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2020-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (IA)

On XX/XX/XXXX I was informed by the agents name of XXXX that my account is in a rears by a month, which is not true because I always pay every month. Last month, when I made a payment to Realtime, their agent XXXX XXXX on XX/XX/XXXX stated that I was paid in full with my payment of {$110.00}. Now today, XX/XX/XXXX, XXXX tells me that I am in a rears one month and that I need to make double the payment and that this comes from a late payment from back in XXXX of XXXX! I am just being informed of this now over the phone. I am supposed to have gotten documentation from them on my past payments but they have not emailed those to me either. another suspicious part of their story is that my account has no interest since XX/XX/XXXX so even though the late payment might have been {$10.00} there is no way that it would equal a whole separate house payment!!! The agent I spoke to in XXXX when I was informed of the new terms of my agreement was that the bank got rid of the late payment and that there would be no late payments and that there would be no interest until further notice. So there is no way with there being no interest would the late fee have gotten this far advanced and why is it that I am now just hearing about this?! This is an atrocity! EVERY month I make a complete house payment and I do not skip. 
How can a company get away with this kind of behavior? Every month until now, I thought everything was good and now this is happening. These big companies do not care about the little guy and take advantage anyway they can. It's also interesting that their customer service does not mention this payment to me until now. I am not the only one they have done this to. If you look this company up you will see that there are hundreds of these similiar instances. Why is this all of the sudden being brought to my attention after a year of phoning in my payments? Where are they getting this bogus charge? This is fraud, making up a payment that I do not owe!
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

In 2013 a good friend was killed XXXX. Hiswife was not working, did not have a bank acct. or driverslicense and was totally dependent on him for her and herXXXX teenagers support. He had several insurance policies, onepaid out {$70000.00} immediately and she was sent checks todraw from a brokerage account, but with no ID she could donothing to access it. I offered to deposit some of the draftsinto my checking account and give her the cash when theycleared. Then I cashed XXXX checks totaling {$7000.00} over a XXXX dayperiod and the bank made the funds available the next day. 
I had been doing this for months and nobody thought shehad either spent {$70000.00} yet or would write worthless checksas there had been no problems to date. Then the XXXX checksbounced and she would n't cover them. She had a check foranother {$70000.00} in hand and upwards of a XXXX dollarscoming. I informed the bank and filed charges and after I worked very hard with the XXXX XXXX, Texas XXXX office I got the funds repaid. Every penny, the XXXX XXXX XXXX XXXX office sent the check directly to the bank made out to me, and Compass Bank collected everything owed them and gave me the rest. They seemed grateful to me at the time and told me while they had to close my acct., no negative report would be issued by Compass Bank XXXX There is nothing ambiguous in that statement, nothing open to interpretation or given nuanced meaning. And something else not open to interpretation is the fact Compass Bank made the funds available before the checks had cleared. I in no fashion coerced or forced Compass Bank to give me anything, I do n't have access to their vault or any means to get money from them they do n't willingly give me. The bank 's security department went over several these transactions exhaustively at the very beginning and only approved them after an exceptionally thorough and very intrusive vetting and interview of me and this person to assure that neither of us had any ill intent in these transactions. After time I did request that the bank lessen the hold time on the deposited checks but the decision to do so was entirely theirs. The transactions were totally transparent, at no time did Compass Bank not know everything I did regarding these transactions. So how can Compass Bank, not their Loss Prevention Department since the public sees them as a single entity, how can BBVA Compass Bank issue to the world, defend and refuse to retract this libelous and defamatory statement about me in their " contribution '' to my file at XXXX regarding the closing of my account : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''? I have opened XXXX bank accounts in thelast 2 months, only to have XXXX XXXX cause them to be closed2-3 days later. I am a XXXX, I ca n't survivewithout a bank account and these two companies havenearly broke me. I have lost XXXX ofdollars in actual and potential income because they willnot correct a mistake.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.
Consumer complaint received 2022-02-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NY)

Ive provided this company through certified mail and return receipt, a written cease and desist notice, and a conditional acceptance if they can produce a validation of claim. This company stated they received information from the creditor, therefore they are a third party stating I owe them something. 
Return receipt was signed for on XXXX XXXX.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

-At the end of XX/XX/2019, I posted an item for sale on XXXX. The amount of the item ( a picture ) was for {$150.00}. Within minutes, I received a note from an interested buyer who indicated that he/she wanted to buy it. 
-The person indicated they would be overnighting a check to me for the amount. I provided my address and I received the check on XX/XX/XXXX. However, the check was in the amount of {$1800.00}. The buyer indicated her secretary had accidentally sent the check in the wrong amount- that it was meant for something else. He/she asked that deposit the check and then send the difference back to him/her in the amount of the difference minus {$25.00} extra for the issue ( amount {$1600.00} ). 
-The check was not a personal check, but one that appeared to be issued from a bank directly. 
-I deposited the check on Friday, XX/XX/XXXX through the ATM at Chase Bank in XXXX , Texas . 
-The buyer started to become very pushy about me sending the money order back. I checked my account on XX/XX/XXXX and it appeared the check had cleared. I went to XXXX and purchased a money order for the difference, but I was starting to feel uneasy. 
-On Monday, XX/XX/XXXX prior to sending out the money order, I called Chase directly to inquire about the check, telling the Customer Service Agent that I felt uneasy about the buyer and wanted to double check that the check had cleared. The Customer Service Agent indicated that it had cleared. 
-I sent the Monday Order on XX/XX/XXXX. 
-On XX/XX/XXXX, I checked my account again- this time receiving a message within the App that the check was fraudulent. 
-I tried to contact the buyer, but the buyer 's phone was now disconnected. 
-I spoke to 2 different customer service agents and went into a Chase Branch to question why I had been told the check had cleared when in reality it wasn't. I was told by all three that the Customer Service agent I spoke to on XX/XX/XXXX should NOT have told me that the check had cleared and should've explained to me the customary time period before funds are actually available. However, even though they admitted to incorrectly informing me, I was told by Chase that since I deposited the check via an ATM, I was not eligible for protection on the check vs. if I deposited in-person.
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :
Consumer complaint received 2019-02-26
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: CITIBANK, N.A. (CA)

I have noticed that CITI CARDS CBNA have placed an inquiry on my XXXX  credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

has violated my rights. Or a list of inquiries : 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.