davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -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 2022-09-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-19
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. (TN)

I submitted a dispute back in may of this year. My US BKPT CT TN XXXXXXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Store credit 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 (CA)

On XX/XX/XXXX, we purchased a RAF ( Right-Arm Facing ) ( XXXX ) order number is XXXX from online store https : //www.ashleyfurniture.com/sofa ( we have all the printed documents and evidence that we ordered this RAF sofa ). XX/XX/XXXX the sofa was delivered, I signed the paper that I got, but after unpacking, we saw that the sofa was LAF ( Left-Arm Facing ). Next day we went to Ashley store and they confirmed that we ordered the correct sofa and the error of the online store, but they could not help us since this is an online store and stationary stores do not apply to it, they also said that they can only be reached by phone. We tried to do this several times - but it is impossible. Then finally we contacted Ashley over live Chat and first they proved that we ordered the wrong sofa ( we have printed that chat ), but then they agreed that we ordered the correct one ( we have all the documents proving this ) and the error was on the web page said that the another couch will be delivered in a week and this one will be taken away. And since then, it has been impossible to get through to the Ashley and sign on, since then, the room has the wrong sofa and the packaging is kept in the pantry. In this regard, we opened a complaint to the Synchrony bank that issued the loan, and as it turned out later, this Synchrony bank and ashleyfurniture.com work together it is impossible to prove the complaint here as corruption, since they agree together. The Synchrony bank opened the complaint on XX/XX/2020 after 60 days there was no response. After they said to wait another 2 weeks, then they said that they themselves could not contact the seller. We called the Synchrony bank several times, then they said that they could not find complaints, then we still need to wait, in the end, not 60 days passed, but 120 days and they closed the complaint in favor of the seller. We do not agree since the Sofa was not replaced, and if they can not, we did not receive any full refund. Synchrony Bank close dispute for some unknown reason like can not judge the quality of merchandise receiver, while we did not get any exchange of our purchase and did not get full refund. We ordered correct sofa online, but get wrong one. ( we have all the documents proving this ). We can't get the truth for 4 months. 

The bank now demands to pay money for a purchase that we did not order! 
We do not agree with this! 
Please Help! 
My name is XXXX XXXX Credit card number XXXX Ashley Synchrony bank
Consumer complaint received 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NH)

We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX  and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below?

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. Wells Fargo has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the Wells Fargo Statements DO NOT reflect the actual dates payments process AND Wells Fargo somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal Wells Fargo checking 'instantly ' yet sometimes Wells Fargo XXXX would take 3-5 days to reflect the payment in my credit account. Wells Fargo also took over 50 days to respond to my dispute from XXXX and did not address anything in my dispute. Wells Fargo has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.
Consumer complaint received 2022-09-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2012 Balance : {$67.00}
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask Equifax to notify XXXX or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MI)

For the secnd time in over 7 years Citibank, N.A> is taking me to court over a depth thatI do not owe them, They Illegal tranfered money to a Fake Account at XXXX XXXX back in XXXX or XXXX. I informed them I did not authorize thei tranfored, but they sent the money to XXXX any way!! And NOW again they are taking me to court for the second time. The first time they did not show up to court
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase United Airlines Credit Card. My payment due date is the XXXX of each month. I made a payment of {$500.00} prior to XX/XX/2020. On XX/XX/2020 I made another payment of {$500.00}. The XX/XX/XXXX payment, despite being after the XX/XX/XXXX due date was back-posted to my XX/XX/XXXX bill. This payment clearly should have been posted to my XX/XX/2020 bill. On XX/XX/2020, I received a late charge of {$27.00} from Chase who said they did not receive my payment for XXXX. They in fact received my payment for XXXX on XX/XX/XXXX as noted above. This is clearly a scam to cheat consumers out of late fees. I spoke to XXXX, a Chase Supervisor in XXXX XXXX, Texas on XX/XX/2020 and XXXX just provided a completely illogical reason why my XX/XX/XXXX payment was applied to my XX/XX/XXXX bill rather than my XX/XX/XXXX bill. Chase is cheating its customers and I do hope you take action on this.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: COMMERCE BANK (IL)

I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (GA)

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 719XXXX has me at a score around 590. 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 n 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-16
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. (FL)

XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (CA)

Hello. I made my 1st mortgage payment to Everett Financial dba Supreme Lending. Payment should have arrived no later than XX/XX/2022. However, as of today, XX/XX/2022, they have yet to process my payment. The only option they provided to make a mortgage payment was to mail in a check, despite the significant risk to doing so because of the likelihood of mail theft. I have verified the mailing address to ensure the check went to the correct location. I have also verified that I provided the correct loan number on the check- Supreme Lending has not provided me an account number. I have called Supreme Lending twice taking time away from my work schedule because they are only available doing general business hours. They have said that they have not received the check & implied I should have sent it certified mail. I don't believe I should have to spend the time or money to do that. They also said they may be behind in processing & will check with their processing department to see if the payment is awaiting processing. They have not gotten back to me with that information. I am at risk of being in default on my home mortgage payment or risking making a 2nd payment only to have them cash both checks. I don't have the money for that. Nor do I have the time to spend on multiple calls to them and my bank to resolve this issue. In the year 2022, they should have provided me a secure method to make my payment online. They did not. They are now making it my problem to address this issue and it's costing me money because I have to do it during my normal working hours.
Consumer complaint received 2022-09-23
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. (MT)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX  XXXX Date opened XX/XX/2021 Balance {$200.00}
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (IL)

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 719XXXX has me at a score around 590. 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 n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (NM)

I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.