davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2022-03-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I XXXX XXXX would like to cancel my dispute ( # XXXX ). I uploaded an credit document and selected the wrong option. I received the below message informing that I had to processed my dispute manually. 
Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I spoke with a XXXX service rep, XXXX XXXX, regarding a furniture transaction. I had told her that I had been approved for {$1000.00} credit limit on a XXXX XXXX credit card and requested a credit increase to make the purchase ( Item was priced at {$1900.00} at the time ). She then placed me on hold to verify and told me I had been approved for financing for XXXX months/no interest and that it could all be charged to the card. 

Fast forward to XXXX weeks, I noticed that my credit score had gone down approximately XXXX points due to an overcharge on the card. The credit increase was never applied to the card. 

I am extremely disappointed as this has caused major damage to my credit as well as financial loss due to the fact that I had to make a substantial payment to avoid further damage to my credit. I would have not proceeded with the purchase had I known that the credit increase request had not been put in. Essentially, I was lied to by the service rep in regard to the purchase. 

I tried to solve the issue with Macys but they keep telling me that I am the one that needs to reach out to the credit bureaus to solve the issue.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Equifax allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Sam 's credit card. Card is in both my name and my spouse. We have {$900.00} on current cash back balance as of statement closing date of XX/XX/2020. Regretfully my husband passed away on XX/XX/2020. The credit card is in both of our names ; same credit number with both our names. I called XXXX from my statement from Synchrony Bank on XX/XX/2020 to cancel my late husband 's card only his, so that no one else could use it. I was told by Synchrony Rep that my card would be cancelled too since we had the same number and to go to Sam 's in person to get a new number/card. He failed to tell me by doing this I would lose our cash bonus points that we accrued. Then on XX/XX/2020 I went to Sam 's Club store in XXXX XXXX, FL and speak to Supervisor to let her know that my husband passed away so I could obtain a new card issued to me so I would have a different credit card number. She then told me when she pulled up my account that Synchrony Bank took away our bonus money. She told to me to contact Synchrony Bank directly for which I did on XX/XX/2020. They told me the bonus $ was only in my husband 's name and I wasn't privy to it. I asked to speak to a supervisor and CSR told me they were all busy. This is terrible. I endure the loss of my husband and now Synchrony is keeping our money. We only opened and used this card for the bonus dollars. 99 % of the charges came from my personal shopping not my late husbands '.
Consumer complaint received 2020-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Investors Servicing Corporation, Atlanta, GA Branch (MO)

I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when XXXX says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade XXXX XXXX also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different  information a spread it out so damage continues.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (IL)

I have been having an ongoing dispute with XXXX credit card. I never received my replacement cards back when I reported them lost/ stolen first in XX/XX/XXXX then again in XX/XX/XXXX. Someone made fraudulent charges to my accounts. I received a statement today and it appears that Bloomingdales has resolved the dispute for fraudulent charges made in XX/XX/2022 but I have no idea what the balance of XXXX is for. I have been trying to work with their fraud department to resolve the issues but can't seem to get a straight answer. 

I nor did my authorized user on the account make any charges since neither of us ever received any of the replacement cards sent by Bloomingdales
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax has listed on my credit report that my student aid loan, XXXX, was sold or transferred. This is INCORRECT information. I paid that loan in its entirety myself with a last payment of over {$2000.00}. This needs to be addressed as soon as possible.
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 is missing that should be on the report
Company: EQUIFAX, INC. (IN)

I submitted a complaint about Equifax, in XXXX, regarding my XXXX Auto loan. They closed my account, it wasn't reporting and my account is very much still open. I currently owe, {$29000.00} on my auto loan. 
After my initial complaint, my account was reopened and reporting again. For some reason, Equifax has closed my account, once again. I need them to reopen my XXXX Auto loan account and stop closing it.
Consumer complaint received 2022-03-21
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 recently sent in a dispute and equifax has failed to process my dispute claiming it was not clear on what I was asking when I was indeed very direct. I will resubmit another dispute and attach it to this complaint but they have been a huge liability and detriment to my life and causing severe XXXX upon me due to their harsh unfair and inaccurate consumer reporting which is causing me to lose out on my home as my current lease is ending and I have nowhere to go.
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (OH)

I had gone to an ER for treatment on XX/XX/XXXX. I was billed twice for this visit. One came from the hospital to my current address and I paid my portion after they submitted it to my insurance company. The other came from the doctor/ER and that was sent to an address I hadn't resided for over 10 years. I didn't learn about this other bill until I checked my credit report in XX/XX/XXXX and discovered it had been sent to a collections agency ( Elevate Recoveries LLC ). After speaking to the agent, she said they tried to contact me ( at the old address/phone number and I had no knowledge anyone was trying to contact me ). I tried to explain the hospital made an error and should have sent that bill to my insurance company instead of billing me directly. The hospital never went through my insurance company. Again, I tried to explain that I knew nothing about this and the agent said it was too late to dispute this and I had to pay the amount of {$1000.00}. Although, she did add they would settle it if I paid less ( around {$700.00} ). Since I wasn't getting anywhere with this agent, I contacted the company that sent the bill to collections ( XXXX XXXX XXXX XXXX ). I explained to them that they did not submit the bill through my insurance company as they should have. Since this was billed in XXXX, the woman helping me wasn't able to do much anything else. I contacted my insurance company and explained all of this to them. That same day ( XX/XX/XXXX ), my insurance company sent a Certificate of Coverage to XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX confirmed they received it on XX/XX/XXXX and sent notification to Elevate Recoveries LLC that it was being handled by my insurance company. Elevate Recoveries LLC still has the collection amount of {$1000.00} listed on my credit report. I have tried talking to them on several occasions but they keep transferring me to the same agent assigned to my case. I tried explaining this to her but all she would say is that I had to pay it and it was too late to do anything else. She would not let me speak to a supervisor when I requested to do so. I feel that I can not reason with them so I am reaching out to you for your assistance in clearing up this matter.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

On XX/XX/22 I reported that the hotel I was staying at kept my debit card ending in XXXX and that I was also was getting transactions posted to my email from XXXX that did not come from me. The rep asked me did I think it was XXXX I said it was possible because I kept getting emails about purchases. I looked through my phone and found out that they can just share your card information, across devices. I was unsure why this option was on, so I called in to report it. PNC only gave me XXXX $ after I reported it. They then illegally stole {$480.00} from my account after the card was closed. They did not handle my claim properly and saw it as an opportunity to steal from me.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I used my venmo app on my phone to send XXXX to secure a purchase. After I sent the money I noticed it charged my account three times. I called and sent notice to venmo the same day. The insured me that it wouldn't be a problem, and they would handle it. Well today they sent me an email saying that they can't do anything about it. This was on XX/XX/2020. 
Transactions from XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The person who received this money is not answering the phone. 
@ XXXX Last 4 digits of phone is XXXX
Consumer complaint received 2022-03-21
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 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 XXXX 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.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills.
Consumer complaint received 2022-03-21
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)

Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus equifax and XXXX are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus equifax and XXXX have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax continues to report a balance of {$420.00} on a XXXX account ( XXXX ) which has been paid. I disputed this account with the three major credit reporting agencies and included a letter documenting that the account was fully resolved. XXXX and XXXX corrected the error, but Equifax continues to erroneously report a balance.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

Hello. This is about Chime. The support department is refusing to honor a referral bonus request made after several of their employees promised me that myself and the person i referred would receive that bonus in return for our patience due to a mistake on their part. 

they are now constantly trying to convince me that they did not say this when the line was recorded and three different people already promised that the bonus would be applied to the accounts in question. this is not about the bonus anymore this is about rectifying the fact that we were lied to and honoring a promise made. they have been rude, belligerent and quite unhelpful. despite the fact that we would have never made the account with them had we known how willing they are to lie to their customers. do not make a account with chime. it is the height of false advertising ... and their customer service lies to you to get you to agree with them making false claims and false representations about their accounts and services.
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.
Consumer complaint received 2015-11-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (FL)

Someone had gotten hold of my social security number and birthday and opened a checking account and debit card in my name and address, which I never did. When I got to the bank PNC they told me someone had gotten all my personal information. Thus all was closed and reported to the XXXX credit bureaus, social security, my bank etc. So I need a fraud alert placed om my information. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX
Consumer complaint received 2022-03-21
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: Mr. Cooper Group Inc. (VA)

On XXXX XXXX XXXX and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report with my consent or permission.