davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ME)

Citgo Credit Card/Synchrony Bank XXXX Have made prompt payments regularly. Last statement I received was in XXXX. I've been receiving notices through email that I owe a late fee if {$29.00}, but never received statement. Not denying I owe bill, just don't want threats or credit ( which is very good ) ruined because they can't send statements. They claim I have until XX/XX/XXXX to pay or it will go to collections. I spoke with them on XX/XX/XXXX, and they said they'd mail a statement and I'd have it in five days ... .nothing. Got more threats so called again on XX/XX/XXXX, and they said they were sending out another statement and it would be 7-10 days. Still nothing. I mailed a check along with a paid blank statement on XX/XX/XXXX, that I had they sent when showed a XXXX balance a few months ago. Still nothing except another email threat. Called again XX/XX/XXXX, and they said I have until the XXXX  before it goes to collections. I'm tired of the harrassment, possibility of credit damage, and penalties. Please help. I want to keep my good credit rating. Thank you so much!
Consumer complaint received 2020-06-12
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. (NJ)

I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX {$18000.00} COLLECTIONS XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXXXXXX XXXX {$640.00} XXXX XXXX {$810.00}
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (NJ)

Someone opened up a checking account in my name using an old address of mine I received a debit card in the mail at that old address Company : XXXX XXXX  - NetSpend It looks like the account was opened within the last two weeks
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (WA)

On XX/XX/2020 I attempted to add funds to the XXXX XXXX, based in New York, and which operates in Washington State, my state of residency. PNC, my bank, denied me access to transfer funds to the XXXX XXXX via the XXXX service. The problem has not been resolved. These are my funds and I have the right to do with them as I wish in a legally compliant manner. I understand the need for security, but at a certain point, my bank should not be the arbiter of risk assessment for my funds. That responsibility lies with me and my money. 

The error I received from XXXX is that " PNC has made a change that prevents you from being able to link your accounts. '' This seems to be a common problem with PNC and third party apps.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2020, my checking and savings accounts were closed with no prior notice. Some autopay transactions were denied so I attempted to log in to the Chase mobile app, however, I received a message saying my account was locked to protect it from suspicious activity. I immediately called Chase to find out what was happening. The phone agent told me that Chase has decided to end their relationship with me and closed my accounts. The phone agent refused to provide me with any reason for the actions taken and state that they did not have to provide me with a reason. The next day, XX/XX/2020, I contacted Chase again to inquire about receiving the balance of the accounts to transfer to a new bank. The phone agent said that they would send a check out in 10 business days. I explained to the phone agent that this was unacceptable as they had all of my money locked in this closed account and I would need to pay bills sooner than the check would arrive. I asked to speak with a supervisor and was transferred to one. The supervisor stated that they could not explain or provide any reason for the closing of the accounts and my only option was to wait for the check to arrive. I asked for a statement or a way to see what transactions were cleared and what would be denied. The supervisor said they can not provide any information about the accounts and I would receive a statement with the check. I explained to the supervisor how I was unable to cover my living expenses due to all my funds being locked I the accounts. They said they could make and exception and I could go to a branch near me to pick up a cashiers check for my remaining balance. I told the supervisor that the nearest branch is a few hours away and I would need to work that out. I then called back on XX/XX/XXXX to arrange the pickup of the check at the closest branch. The phone agents informed me that the previous supervisor I spoke to did not enter the information about picking up a check from a branch into the notes and that they would not be honoring that option. They stated my only option was to continue to wait for the check. It has now been a week since my account was closed and still have no access to my money or any explanation as to why the accounts were abruptly closed without notice. I now have bills that are becoming past due accumulating late fees and potential negative impact to my credit.
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

Several Dispute Letters sent to company and the Credit Reporting Agencies in reference to the accuracy of Discovers reporting. I applied for a DISCOVER XXXX credit card XX/XX/2020 and was approved however when I received the credit card and tried to activate, I couldn't. Discover stated they had to verify my identity before I was able to activate the credit card yet I had paid money for the credit card. Two weeks later Discover stated they couldn't verify my Identity so they were issuing me a refund. However Discover reported a line of credit to the credit reporting agencies the hit I took on my credit report after Discover closed the account that had never been open was XXXX points. 
The account is reported to All Credit Reporting Agencies as a Closed Credit CARD ACCOUNT AND IT SHOULDNT.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I have been trying to add my bank account for several months, I have tried on mobile, desktop, by open banking/acct no. 

It always says try again later despite waiting 72 hours multiple times between attempts to add the account. I called customer service who simply wanted to get me off the line and had no interest in helping me. They stated there was a risk associated with the payment even though I wasn't trying to make a payment. I have been in touch with my bank who dispute this and say there is nothing wrong with the account and that it is a technical error with Paypal.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (WI)

{$52.00} XX/XX/2022 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Consumer complaint received 2022-10-06
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: ALLY FINANCIAL INC. (IL)

Consumer Financial Protection Bureau RE : Ally Financial - Error in reporting After numerous attempts and requests, I hereby am sending another request to CFPB asking if you can assist me in having Ally Financial to comply with the laws applicable to verifying the reporting of payments. 

Ally Financial has submitted corrections to the account by shifting the current and ( 30 ) thirty day late payments from one month to another as follows : CORRECTED TO SHOW : PREVIOUSLY SHOWED : XX/XX/XXXX Current XXXX XXXX 30 Days Late DXXXX XXXX 30 Days Late XX/XX/XXXX Current XX/XX/XXXX Current XXXX XXXX 30 Days Late XXXX XXXX 30 Days Late XXXX XXXX - Current All Ally Financial did was move the payment history around. It still shows two ( 2 ) Late payments. These payments were adjusted due to the pandemic and paid according to the updated agreement, but they have never corrected their reporting. 

Ally Financial has maneuvered two monthly payments for over a year now and are hindering my credit report from being accurate. I have requested that they adhere to their letters to extend the due days which would have made my payments Current, and not 30 Days Late.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX XXXX and Equifax are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (UT)

I have an XXXX store credit card and have spent over {$1500.00} on various purchases over past year. Recently I found some unauthorized charges on my bank statement. my banker had me go through all statements for past year. When I did I found many questionable and unauthorized charges on XXXX as well as a few others. I had investigation done and put fraud alert on my credit reports as well as notifying the companies involved. I have purchased many items from XXXX including movies- which I paid full price for. I tried to watch one of the movies I paid for on XXXX XXXX XXXX the other evening and found out my account is frozen due to the fraud. I asked to be able to watch movies I have paid for and was put on hold and no one came back on phone. I called tonight and was being transferred to supervisor but no one ever came on phone. When this fraud was first found, XXXX reissued by card-which I have paid in full. I no longer leave my credit card online. If I need to order something I enter card info and place order. Once order is successful I remove card. I have no idea why all of a sudden my account is frozen but I want access to items I have purchased. I am being punished by this company for being a victim of fraud
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

XXXX is still reporting my delinquent Navient account beyond the 7 years. The date of last payment as reported by XXXX is XX/XX/2013. So why havent this item been removed yet?
Consumer complaint received 2023-02-20
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. (OH)

This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

a hard inquiry from XXXX XXXX XXXX XXXX XXXX FINANCE ) XX/XX/2021 I was told by one of the representative to file a identity theft report and contact the credit bureau to report the incident because they can't remove the inquiry from their side. I called the bureau and I was told the same which is to contact the Agency that access my report
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX  XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

I have a checking account with Chime bank. On XX/XX/22, between XXXX XXXX I noticed XXXX unauthorized charges on my account at a XXXX XXXX gas station in XXXX, XXXX. The charges were as follows : {$120.00} at XXXX for diesel fuel, {$86.00} at XXXX XXXX for premium fuel, and {$120.00} for diesel fuel. I called Chime to dispute the charges immediately, using their 24/7 call center. I was told they would launch an investigation into the disputed charges. They informed me it could take up to 90 days to complete the investigation but discretionary funds ( totaled in the amount being disputed ) may be issued after 30 days if the investigation was not completed. 

Less than 24 hours later I received an email from Chime stating they had concluded their investigation and determined no error had occurred. When I challenged their ruling, they said I could submit supporting documents to rebut their decision. So I went to the XXXX in question to speak to XXXX XXXX. and obtained the XXXX receipts for these fraudulent charges. The XXXX  showed me a screen shot of the security footage to see if I recognized the people using my card info and I did not. I then went to the XXXX police department and filed a police report. I then forwarded the XXXX receipts and the police officers business card with the case number written on it to Chime as supporting documents on XX/XX/22. One day later, on XX/XX/22, they emailed me stating that my documents are insufficient and they stand by their original decision, then they closed the case.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

On two separate occasions, TIAA bank has taken extra payments which they were specifically instructed to apply to principal, and instead applied them as ordinary payments ( mostly going to interest ). 

First occasion was a payment of {$20000.00} on XX/XX/XXXX Second occasion was a payment of {$10000.00} on XX/XX/XXXX Each time, they were contacted by phone either prior to the transaction, or the day of the transaction to clearly indicate the disposition of the payments. 

I believe they are knowingly cheating consumers and engaging in deceptive practices.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc (LA)

A certified letter was sent to Transfinancial Companies on XXXXXXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts & Violation of HIPPA. Transfinancial Companies has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attatched document.
Consumer complaint received 2020-06-12
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$2600.00} XXXX XXXX {$400.00} XXXX   XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$830.00} XXXX XXXX {$93.00}