davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

My wife and I had an account for a Costco XXXX card through Citi that we were using as our primary credit card. We literally just received the card and ran into repeated issues when making the first payment. For whatever reason, Citi refused to accept a payment from a valid credit union account that was verified multiple times. The payment was attempting each time to pay the balance in full. Each time, despite reports from the credit union that there was no issue on their end processing payments, Citi denied the payment. Citi then closed the account after only a month due to lack of payment. Customer service refused to accept any blame for Citi but was unwilling and unable to explain why they were refusing payment in the first place, just choosing to blame everyone else instead. Ive honestly never had a bank before refuse to take valid payment and then say we closed this due to lack of payment, but I guess theres a first for everything.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 I made a transition with XXXX  using my Chase bank app. I thought I was transferring money in the sum of {$600.00} to my other bank account with XXXX XXXX XXXX.I noticed that the transaction did not immediately go through so after further investigating I saw that the money was sent to a XXXX account with the phone # XXXX which was not the XXXX that I thought it was going into. I have contacted Chase and XXXX several times to no avail. Basically Im out the {$600.00} with no way of even filing a police report because no information on the receiving party to be able to do so. 

Please Help!!
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE (NY)

I received multiple balance transfer checks over the past months from Barclays Bank relating to my XXXX credit card ending XXXX. I used the check for XXXX, which was within the authorized amount on XX/XX/2021 to pay my XXXX account ending XXXX the check was returned resulting in me incurring a returned check fee of {$39.00}. A few days later another new set of transfer checks from Barclays. I called Barclays on XX/XX/2021 and spoke to a female Rep XXXX XXXX who reviewed my account. She then assured me I could use the checks without any issues of it being returned again. I trusted the information and tried to pay the XXXX again to pay my card using their check for $ XXXX on XX/XX/2021. Again, the check was returned, even after the assurances of the Barclays Rep. As a result there was another {$39.00} fee and an interest charge of {$120.00}. I have asked Barclays to reimburse me for these charges totaling {$200.00}. Followup conversations with XXXX, who transferred me to XXXX XXXX XX/XX/2021 who could not help me. Other Reps spoken to XXXX on XX/XX/2021, then with XXXX XXXX  Customer Care, who transferred me to XXXX a Supervisor/Manager on XX/XX/2021. Still no help. Even now Barclays is sending me new transfer checks monthly, but they are dupping consumers.
Consumer complaint received 2022-06-09
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. (TN)

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over 45 days ago and it still reports as open on my credit report.
Consumer complaint received 2022-06-09
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

We bank with Wells Fargo. We just paid our rent and checked to see if our rent check cleared on XX/XX/XXXX, when we saw a transaction on XX/XX/XXXX from a company listed as XXXX XXXX XXXX for {$250.00} that we supposedly made on XX/XX/XXXX. Not only was this transaction not authorized by us, we have no knowledge of the company. We called Wells Fargo that day to dispute, but it is still listed as an authorized purchase.
Consumer complaint received 2022-06-08
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. (MO)

XX/XX/XXXX XXXX XXXX XXXX  XXXX had an applicant using my identity submit an application. A text message came to my cell phone from phone number XXXX TransUnion : XXXX XXXX XXXX tried to pull your TU credit report but it is FROZEN. Log in now for details. I had the same alert come to my XXXX Account as well as email, XXXX TransUnion email address alert. I filed a police report XXXX. I have had several fraudulent occurrences since XXXX.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I am not earning money and asked if i could delay payments until this whole thing is over and they declined and said if i dont pay for three months, at the end of that three months i will still owe those three months even though im not earning money. That cant be legal.
Consumer complaint received 2022-06-09
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. (NC)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2.This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-12-20
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. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (MI)

I had a lease car with Chrysler Capital. The car was stolen. I called to Chrysler to let them know. They said will send me payoff amount. I have received it. After this, once insurance claim was entered, Chrysler sent complete different payoff to MY insurance, which is higher even then the Cash Value of the vehicle. I do not mind my insurance pay them, as long they do not try to raise their payoff and get more money then it is actually worth it. Cash Value and Residual Value are much less then payoff amount company sent.
Consumer complaint received 2019-12-20
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. (NY)

One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX XXXX Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number ExperianXXXX  XXXX XXXX XXXX
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

I have sent a letter off to the credit bureaus to have the item remove, these items which one was due in fraud and the other was reporting incorrectly. I have sent a copy of the fraud report and a letter to under law the credit bureau has 30 days to verify. Debt it now passes the 30 days allowed by the law I am asking XXXX  and Experian to remove XXXX XXXX  late payments off my credit for a violation of the FRCA. The XXXX card is a fraud account, I am attaching the letter mail of the XXXX  and Experian on XX/XX/2020, and it now XX/XX/2020. I have not received any response from these two agents.
Consumer complaint received 2022-06-08
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX 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 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over XXXX days ago and it still reports as open on my credit report.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MO)

On XX/XX/2022, I went to U.S. Bank XXXX branch at XXXX XXXX XXXX, thinking to open a bank account, choosing this U.S.bank because of its convenient location and close to my home. 

Customer service representative XXXX XXXX XXXX greeted me, after knowing that I want to open a new account, she presented a promotion flyer to me. The promotion is that new customer can earn up to {$500.00} by opening a new qualifying account and enrolling in online banking or mobile app, then completing 2 or more direct deposits within 60 days. I still have this promotion flyer together with other new account paperwork. I can provide this promotion flyer if needed for investigation. 

XXXX helped me set up a new account and downloaded mobile app and online banking. I set up direct deposits in the following days back home. Within 60 days, more than 2 direct deposits have been completed in my new U.S. bank. 

But as of today XX/XX/2022, U.S. Bank still did not deposit the {$500.00} bonus into my bank account. I already contacted U.S. bank but U. S. bank refused to honor {$500.00} bonus.
Consumer complaint received 2019-12-19
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 (CT)

I purchased two appliances from Lowe 's online XX/XX/XXXX. The total amount of this purchase ( {$2600.00} ) qualified me for a Fixed Interest promotion with 84 months of payments at 7.99 % APR. However, because this purchase was fulfilled separately due to XXXX of the appliances being backordered, the transaction was broken into 2 smaller transactions. This effectively placed each item on a short term, interest free promotion instead. 

I called when I first noticed this on my billing statement in XX/XX/XXXX and was told they would adjust accordingly, but it would take 1-2 billing cycles to adjust. After waiting a few more billing cycles, the promotion was never adjusted. I called again during the Summer of XXXX, and was told they would adjust the promotion, but it would take 1-2 billing cycles to reflect properly. Again, the promotion was never adjusted. 

I reached out again in XX/XX/XXXX, and was told that Synchrony could no longer update the promotion, and they had no records of my requests. I formally disputed with their management, and was advised that I go to the Lowe 's store that fulfilled my order to see if they could do a " Return & Rebill. '' Unfortunately, because of the date of the transaction, and the length of time that had transpired, they were unable to make any adjustments. 

I am formally complaining to the CFPB of these unfair and misleading promotional practices from Syncrhony and Lowes. I have been accruing interest on this purchase ( ~ {$600.00}! ) which is now set to expire in XX/XX/XXXX unless I pay this off in full, instead of having the extended promotion that I selected when I made this purchase.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

i canceled my car insurance with travelers on the correct dates as asked. they tried to send a bill me for {$390.00} saying i was still covered and insisted i owed this amount, when i cancelled in a timely manner as asked. i told them i had proof i canceled. I gave travelers a call and they said they would remove this debt as i showed proper documentation of my cancelation. I was sent a check in the mail to be reimbursed now i am receiving mail again XXXX saying i owe {$140.00}. i am not able to pay this and this is not accurate.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number XXXX XXXX number-Equifax XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

On XXXX, the company Navient attempted to contact me, XXXX XXXX, looking to reach another person, XXXX XXXX. I am related to XXXX XXXX, but I am distressed that they would call me looking to reach her. I have not been listed as an emergency contact or anything like that. Since they are a XXXX loan company this feels predatory. Researching and finding other relatives ' phone numbers to attempt to try and reach that person is a violation of personal privacy. On top of that, this is harassment of XXXX XXXX. I'm not sure of her involvement with the company, but for them to attack her in this way is a violation of her privacy and mine.
Consumer complaint received 2021-12-14
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-06-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Accounts " XXXX, XXXX XXXX, and 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 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete late payment information for XX/XX/2019 and XX/XX/2019 on my credit report concerning my XXXX  XXXX XXXX XXXX  last four of acct number is XXXX