davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

I deposited {$8700.00} into my Ally Bank account last Thursday. I still havent received my funds and my online access has been locked. I need the money and they are not answering the phone nor are they returning my money.
Consumer complaint received 2021-06-07
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. (LA)

Incorrect information on my Equifax report I don't suppose to have any late payments data inaccurate with my XXXX  and XXXX  account I disputed the problem but they never fixed it
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Care Credit XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-07-29
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 2018-05-16
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. (MO)

There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

On XXXX XXXX, XX/XX/2021, my PIN number and ATM card were stolen. That night at XXXX XXXX  I called M and T bank and put a block on my card and account after realizing my card was missing. 

On the next day, Tuesday, XXXX XXXX, XXXX, I walked into my branch of M and T Bank and found my bank account was emptied of its money, about {$490.00}. 

At this point, I reported my ATM card stolen. We started disputing individual charges. We did about 3 charges of about 9 charges that were not made by me. Unfortunately, one of the charges we disputed was a charge I actually made. 

I came back to the branch on XX/XX/XXXX, XXXX and we disputed the rest of the charges made by the thief. 

The bank gave me a provisional credit of {$570.00}. 

Then the bank made a decision that the disputed charges were charges made by me because the person used my PIN to make the purchases. ON XX/XX/2021 the bank took that amount, {$570.00} back. 

The other potential reason was that some of the disputed charges were charges I actually made. But this was caused by a miscommunication by the branch manager and me. 

So the thing is, I reported the card stolen the next day to the bank. I didn't know the PIN was stolen also. The bank should refund me the money for the charges that were made by the thief. I have spoken to the bank 5 times and they refuse to return the money saying I was the one to make those charges since the PIN was used. 

The charges were : XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX and XXXX  {$30.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX {$10.00} XXXX XXXX {$63.00} XXXX XXXX  {$3.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, I attempted to temporarily lift a security freeze placed on my Equifax credit account in order to apply for a credit card. As I had done in the past, I began with the online process which before only took a few minutes and a {$3.00} fee. The initial placement of the freeze 13 years ago, however, required sending Equifax a photo ID by mail. To my dismay, despite having a unique pin number assigned by Equifax, I was unable to get into my account to lift the security freeze. I had a User ID and Password from the past but Equifax has changed the User ID to an email address, which mine did not include. To make matters worse, as in the past, to verify my identity Equifax required answers to 5 questions about my credit report - one going as far back as 26 years ago, another 8 years ago and so on. A single wrong answer and my identity could not be verified. Equifax could have easily asked questions about my current mortgage payment or a current credit card but it chose not to do so apparently to deliberately make it more likely that other information would have to be submitted - such as photo ID - to prove identity. I attempted to call the telephone number provided and waited 1 hour and 15 minutes but no one ever picked up the phone. The website had offered to send me a verification code by mail but warned that this could take 3 to 5 business days or longer. In desperation, I called an Equifax number and pressed 4 to connect to a " product  services specialist '' or salesperson. This person was very helpful, spoke with a foreign accent, asked me a few questions to verify my identity and lifted the freeze. She was however, unable to help me with the login problem on the website which she said is handled by local representatives who were available at the phone number, where it turns out, no one answers. I would like to add that although the other 2 credit bureaus had also changed their security freeze procedures somewhat, having those freezes lifted was a breeze. One even allows you to lift a freeze online for a relative who might be elderly or XXXX. I am still unable to access the website to lift a security freeze either for myself or my husband who is elderly. Equifax has always been problematic. And it is now using the Coronavirus as an excuse to provide even less service than before. It seems that if the company can not make money from a service they do not provide it. This company needs to be regulated and there are more problems with it than just the data breach.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-15
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 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 XXXXThis 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 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Tiaa bank made an error when reporting my credit as they transferred my mortgage to XXXX bank. 
As a result of TIAA 's reporting error my credit score dropped XXXX to XXXX points in all credit repositories. 
I tried to resolve this on the phone and TIAA 's representative said that TIAA bank no longer has a mortgage department.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

I am writing to dispute the following information that appears on my credit consumer report. I received a notification from my Credit Card Company this morning that a past due payment was sent to a debt collection agency. The payment was originally owed to XXXX ( XXXX ). When I was a customer with XXXX I had automatic monthly payments set up and canceled my subscription after XXXX years. I was under the impression that the remaining balance would be automatically charged to my credit card on file, as it had been for XXXX years. It is not clear to me if XXXX did not attempt to charge my card or if they had difficulties charging my card. I did not receive any notification ( e.g., email, voicemail, text message, etc. ) from XXXX letting me know there was an issue with my account. 

XXXX sent this debt to a debt collection agency ( Southwest Credit ). I was unaware of this until I got a notification from my credit card company letting me that my credit score was impacted. I checked my records and I have only one missed call ( no message was left ) from this agency on XX/XX/2022. I reviewed my cell phone records and do not have any additional calls from this company. Further, I did not receive any other communications from this Southwest Credit ( e.g., email, voicemail, text message, letter in the mail ). Southwest Credit claims they sent a letter in the mail, but I never received any written communication, and they were unable to provide proof of delivery. 

To summarize, I was unaware that this payment was not properly processed when I cancelled my XXXX account. XXXX and Southwest Credit also did not make adequate attempts to contact me to resolve the issue. Since becoming aware of this issue, I made a full payment ( {$51.00} ) directly to XXXX. I would like to dispute the Major Derogatory Status on my credit score. I have tried to resolve this issue with the Debt Collection Agency, who refused to provide help on my case. 

Thank you for your assistance.
Consumer complaint received 2022-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (PA)

This company has been harassing me for quite some time now i have been receiving calls from many different numbers I had to change my telephone number. I was also put in a situation as to where I am unable to purchase a home and or put my sons through school this is becoming to be very frustrating for me to cope with on the day-to-day basics.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

The basis for this complaint is discrimination based on ethnicity of business owner and size of business. On XX/XX/XXXX, I open a third business checking account with CHASE BANK. The purpose of the account was to separate funds used in our business for better allocation. The teller who work with seem to have problem opening the account ( I dismissed it XXXX. The account was open and was funded. ON XX/XX/2018, I was notified by my local Chase  branch at XXXX XXXX XXXX, XXXX # XXXX. That my newly open business account was being restricted or closed. The closure was due to the office space that I lease being consider by Chase : a virtual office space. '' The building has a physical address, and I have a physical suite inside of the building. In addition I have two other accounts with this institution that are attached to the same address, receiving mail at the same location. All of my accounts are in good standing. On XX/XX/2018. I provide the bank with the intelligent/virtual office documents stating that I lease space inside of the building. However the bank response was because they : XXXX IT '' that they are considering the space a virtual office. In addition they refer me to my local branch. I have spoken with the local manager, who has tried calling the compliance office, and can not get a direct answer. At this point, the local branch assistant manager, nor I have been able to get any direct answer, or even speak with someone in the department that is making the decision. We have tried calling several departments. There is nothing in the documents when I open the account stating that a lease office space is an unacceptable location for an office. Based on other accounts open with the bank, I am lead to believe that there is some form of discrimination at this point, being that I can not get a straight reasonable answer as to why my lease office work space is not acceptable to the bank. My lease agreement according to state law, has valid terms, outlines a payment, the suite location and has a beginning and end date.
Consumer complaint received 2022-06-26
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)

Trans union refuses to remove the following accounts XXXX XXXX XXXX XXXX # XXXX THE BUREAUS XXXX # XXXX these accounts are not being reported on XXXX or XXXX TRANS UNION refuses to send me a copy of a verified contract that I may have with XXXX XXXX XXXX or the THE BUREAUS..these XXXX accounts could have never been a creditor because there is no " CONTRACT '' TRANS UNION IS REPORTING FALSE AND MISLEADING INFORMATION AND " WITHOUT MY CONSENT '' and I also have a right to privacy ( 15 USC 1681 SECTION 604A and SECTION 602A )
Consumer complaint received 2022-04-25
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. (AZ)

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX  AZ XXXX has violated my rights. 

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 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

On XX/XX/2022, I tried to apply for a loan with XXXX and was denied due to a recent inquiry that was done on XX/XX/2022, by US BANCORP . Recently all my information was hacked.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

Sychrony bank has misleading and fraudulent information about their no interest promotion. I was told that their would be no interest added to my balance, yet they keep refinancing late fees into my loan by using their own made up policy. My minimum payment contract was agreed at XXXX dollars a month and now it is XXXX dollars a month, without any notification of this change, through any document or new contract.. I have attached the disclosure statement and their is no information about financing late fees into my loan.also in the billing statement their is no information of financing late fees into my loan.
Consumer complaint received 2022-04-12
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. (AL)

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 2022-04-12
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)

I XXXX XXXX XXXX XXXX XXXX the following : In accordance with the Fair Credit Reporting act Convergent Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2022-07-29
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights 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 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

On XX/XX/2022 at XXXX pm, a thief drained my checking account I have through XXXX XXXX XXXX Bank XXXX XXXX XXXX {$300.00} withdrawals from the atm. Let me mention I did not give my card numbers or PIN number to anyone. I did NOT authorize these withdrawals either. The debit card was in my purse in my wallet when this happened. The withdrawals took place nearly XXXX miles away from me in XXXX, Texas at a XXXX ATM. Someone replicated my card according to the police. I called chime immediately and told them I did not authorize the withdrawals as this situation was theft/fraud. I also filed a police report in the jurisdiction where the theft took place XXXX XXXX Police XXXX ) Chime refuses to give me my money ack despite me taking all the necessary steps to prove this was theft. They would not even give me a provisional credit and now XXXX out {$600.00} over something I didnt do or consent to. I need help getting my money back as this is a large amount of money please. Their customer service is joke, basically told me I was XXXX, and their suspervisor, XXXX, was rude, condescending, and even mocked me. He thought my situation was hilarious. This is incredibly unfair and unacceptable! They denied my dispute and said they found no error despite what I supplied them with. I NEED my money back please. I feel absolutely violated and terrified this will happen again.