davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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 the following listed accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

We heard for the very first time by phone on XX/XX/XXXX that we owe {$510.00} plus nearly {$100.00} in interest for cleaning and utility fees that were supposedly due to our former apartments ( XXXX XXXX. ) in XXXX of XXXX. None of these charges were itemized or deducted from our security deposit. We received a full refund of said deposit and left our apartment in good standing with the company. For 2 years, we paid our rent in full on time. We even paid an extra month, after buying our new home, so we wouldnt break our lease at the apt . And now we have been harassed and threatened that our credit scores will be ruined by this collection agency. Our former lease states : 41.DEPOSIT RETURN, SURRENDER, AND ABANDONMENT. Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this XXXX XXXX. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated. Our deposit was returned in full. No charges were deducted. We were never mailed any billsfirst, second or finalduring the last 2 years. We called XXXX XXXX to further inquire about the charges, and they informed us they no longer have records of this matter because they are under new management. Dont these records need to be available for 7 years? Both companies charging us and pursuing collections are involved in bad faith business practices. What can we do when this happens? We feel completely vulnerable to any agency making claims to take our money under threat of damaging our credit scores, which we have worked so hard to maintain, even through the moratorium of the pandemic.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NE)

a XXXX from NY keeps calling my cell phone, i am at work so can not answer, this morning I was able to slip away from my desk to answer. He said he is calling in reference to XXXX XXXX my adult son ) and needs to contact him, I told him I would give XXXX the message, that I am at work and he does n't have a phone, he kept interrupting saying he needed to talk to him, I kept telling him not to call this number that it is my private cell phone, and not to call it again, ( I was getting upset ) I asked how he got it and he said XXXX must have given it to him - I asked my son and he said he has never given my cell phone to anyone. I again told him not to call this number again, he said he will call it again so I hung up, he was very rude. this is not my debt, my son is a legal adult ( XXXX ).
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (SC)

The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZuntaFi Corp (TX)

My correct contact information to advise me of payment amount, payment due date, and name of company to pay was incorrect when the account was opened and the original contact information on my account belongs to someone else. I only found about these errors when 30 day and 60 day late payments showed up on my credit report. I called the merchant listed on my credit report and advised them to correct my contact information and told them to remove the late payments after I brought my account current. They can not report me as late paying when they never contacted me to give me the information to make payments.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I signed up for the Southwest Chase credit card when I was prompted to at checkout on Southwest 's website. The promotion was about a {$200.00} statement credit after first purchase, and then a miles promotion after spending xyz amount in the first few months. I was most interested in the {$200.00} statement credit, which shouldn't have an expiration date, according to the fine print. I got my card back in XXXX, paid the annual fee, but haven't had a reason to use the card until now ( booking flights ). I called a Chase representative to ask about my {$200.00} credit and she claimed I never had the promotional offer in the first place. I know this happens to a lot of people and I feel a little ridiculous falling into the trap, but for a company as big as Chase and Southwest, it seems absolutely ridiculous they can get away with this. I would cancel the card, but I don't want to ruin my credit score.
Consumer complaint received 2022-08-04
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. (PA)

This is my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one auto finance has been reporting my car payment late even when I 've paid on time. I 've asked them to remove the late payments and I 've just gotten a generic response back with more run around. All I want is my late payments removed once and for all.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

I purchased {$5100.00} worth of furniture from Ashley Furniture in XXXX XXXX, Maryland in XX/XX/2022. I was given a 24 month, no interest deal if I applied for a Synchrony store card. I did and was approved for the deal. The furniture arrived in XXXX. My first credit card bill was due in XXXX. At that point I noticed an interest rate of XXXX XXXX!! I called Synchrony and they said they'd investigate. I called the XXXX store the same day. The XXXX people confirmed the deal and that it had been transmitted to Synchrony properly. I thought we were in the clear until two weeks later when I received a letter saying Synchrony would not honor the promotion. I called Synchrony again, very upset. A customer service rep named XXXX was very rude, and moreso dismissive. She told me there was nothing she could do and that the promotion would not be applied. I informed her that this was a clear bait and switch. She spoke with a manager who also said they would not be rectifying the situation before hanging up on me.
Consumer complaint received 2022-11-22
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: CBC Companies, Inc. (IL)

I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (DC)

My small business account was frozen by Citibank which decided ( arbitrarily ) that the business location I work from is a virtual location based on the address. The location I work from is a part of a shared office space, and has both physical offices as well as virtual offices. I use a physical office. 

Without notice, the account was frozen and I did not discover the freeze until I received a notice from an outside vendor of a rejected automatic payment. Upon contacting Citibank, the person in their branch was extremely helpful in trying to resolve this issue, as it was another department that had initiated this freeze.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and Experian and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

Citi Credit Card AAdvantage Platinum Select- Credit card cancelled my card and filed a complaint on my credit report after paying the amount past due. Amount past due was for a yearly {$100.00} fee to be a card member. I was never made aware of the cancellation nor the report on my credit.
Consumer complaint received 2022-11-22
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (OR)

So last month XX/XX/2022 I opened up an account with chime checking and savings account I first deposited {$250.00} on the XXXX and another {$100.00} on the XXXX which gave me {$350.00} they would not let me open the credit building account because I wasn't doing a direct deposit with my full income so I decided that I did not need their services and I wanted to go ahead and transfer the money back to my account that it came from originally and when they close the accounts they tried to send it back to the account through time that was closed and it was denied I called them to see if we could fix it and they told me no because they account that I had opened they got the money from was canceled and I needed to reopen it I talked to my bank and they'd never heard of that account number like I did I never heard of it and they told me my money was stuck in credit limbo when I talk to my bank they told me to call him back and ask for a tracing number they would not provide it for me so I'm out {$350.00} I'm a low income family with my XXXX children thanks a lot chime
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NC)

Today on XXXX XXXX/XXXX/2016 i saw an inquiry on my credit score, with a company name it CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX wich they did a hard pull. 
i did never authorize any inquiry or soliciting any service from this company. please i try to fix and get back with my credit and mistakes or fraudulent operation can hurt people like me trying to fix our credit scores.
Consumer complaint received 2022-11-22
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. (PA)

In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Received a debt collection letter from Credit Management alleging I owed a debt of {$150.00} to XXXX XXXX in XXXX Texas. I have never even been to XXXX Texas. I have been receiving calls looking for someone with a different name, when I tell them they have the wrong number they just hang up on me. 

There are many complaints online about this company creating fraudulent account between XXXX dollars and demanding payment. 

I have excellent credit and pay all of my bills. This company is committing crimes against citizens and should be put out of business.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica (IL)

I called into direct express customer service this morning to relay issues I was having with a transaction from XX/XX/XXXX for {$110.00} from XXXX XXXX I was explaining to the merchant that I had already filed A dispute for the transaction and that the problem I was having is that the merchant was still giving me the runaround and telling me that even though I requested a cancellation that they would still continue to charge my credit card up to 60 days pass when they receive my cancellation request and I was trying to call In to see how I can have the merchant block from charging my card. The representative was extremely ghetto and very rude and unprofessional on the phone she had kids playing in the background with the TV on making all kind of noise when I was explaining what I needed with her she got an attitude with me tell me why why dont I just get my money back from the merchant which is redundant because I already told her that I had a dispute already in process because the merchant was refusing to refund me or cancel the services then she kept asking me who the merchant was and what the amount was even though I already told her four or five times at this point when I asked to speak to her supervisor she got a further attitude and rather than transfer me to a supervisor she disconnected the call and transfer me to the survey
Consumer complaint received 2019-12-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NV)

The loan was initiated when I hadn't been formally accepted in to a graduate program. It was submitted with paperwork affirming my cosigner was financially unable to pay the loan and that I would solely be responsible in accordance with the origination policy. 

In XX/XX/2012, they put me in to repayment while I was still a student and attempted to harass my cosigner in to paying the full amount several months before they claimed my first payment was due. I was referred to a forbearance process that didn't actually exist -- no paperwork or forms despite what I'd been told over the phone by multiple representatives -- before being placed in to repayment. The company abruptly ended my payments without my consent several months later after I'd made a dent in the principle. When my payments were resumed, it was based on a total that included accrued interest from the period when I was in non-payment for being a student. 

In the years since then, AES has directly debited my account without issue. I have not done anything that would cause them to negatively attack my score, like miss a payment. The company has recently updated my credit report to say that they can not contact me yet continue to take my money and e-mail me to say that the transaction was successful. They call several times a week ( as they have for years ) to harass about the loan despite the fact that the account is not in arrears.
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-11-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Please help stop this debt collector Midland Funding LLC. from reporting this debt on my credit report. The debt is past statue of limitations XX/XX/2012. I am a single Mom, trying to get on my feet put a roof over mine and my daughter 's head, and no one will rent or lease to me, Thank you in advance for all your help
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.