davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 5 INQUIRES ARE UNATHORIZED. PLESE REMOVE ALL LISTED INQUIRES FROM CREDIT REPORT..
Consumer complaint received 2019-05-20
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: SYNCHRONY FINANCIAL (VA)

Disputing a hard inquiry on my XXXX  credit report. No other credit bureau is reporting this. I talked to XXXX customer service at XXXX ( est ), XX/XX/XXXX who was supposed to send me information on how I could contact this company. That information was never provided. The company in question is : XXXX XXXX XXXX XXXX. Please read below for additional information. 

I am disputing a hard inquiry on my Equifax credit report. The finding is : Syncb/ppc, posted on XX/XX/XXXX, XXXX XXXX XXXX XXXX. The problem is 1 ) I do not have any idea what this is ; 2 ) I  have not applied to/for anything credit related since receiving my XXXX Card in XX/XX/2018. Furthermore, I did not authorize Anyone to do any kind of credit check that effects my credit report. This is unacceptable. 

After researching the company, I could find not find any contact information via phone, email or an address to see why they pinged my credit. This inquiry is fraudulent and was not authorized by me, and should be remove from my credit report ASAP. I've covered all my bases, so I'm hoping you can assist me in this matter as this effected my credit score.
Consumer complaint received 2024-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

Actions by L J Ross Associates, Inc. : 1. L J Ross Associates , Inc. continues to pursue collection of the debt without validating it.

2. They have reported the debt to credit bureaus, negatively impacting my credit score.

3. They have not provided an itemized breakdown of the charges or proof of their authority to collect the debt. 



Desired Resolution : 1. L J Ross Associates , Inc. must immediately cease all collection activities and reporting to credit bureaus until the debt is fully validated.

2. If validation can not be provided, the debt must be removed from my credit report and all collection activities must be terminated. 


XXXX XXXX XXXX XXXX XXXXXXXX should be required to confirm the legitimacy of the debt and provide detailed account records to resolve the discrepancy in the claimed balance. 



I believe the actions of L J Ross Associates, Inc. violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request the CFPB 's assistance in resolving this matter.

Thank you for your attention to this issue.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is complaint about my previous complaint # XXXX. CFPB was quick to close my complaint about not receiving a refund in a reasonable amount of time. TransUnion did respond however did not mention I was going to have to wait another 60 days for a payment. This is on top of waiting more than the mandatory 90 day term back on XX/XX/XXXX of XXXX. First of all I want to be clear I did not sign up for the service like they claim, at minimum it was a deceptive practice leaning towards fraud. I have never seen proof of this and the monthly fee being charged was low enough on my statement that I did not notice it for some time. The matter was agreed to in principle on XX/XX/XXXX of XXXX that I would receive a check within 90 days in the amount of {$720.00}. Since that time the only credit I have received was for 8 months of payments being credited to my credit card after being told it would be 12 months with a check to cover the remainder. The policy with TransUnion is to delay and not follow through on the refund. The customer service people are not properly trained to assist in any manner or solve the problem. I was told on XX/XX/XXXX by XXXX that it was being escalated once again to expedite the refund and I would receive a call within 3 days. On XX/XX/XXXX I did get a call from a Supervisor named XXXX who apologized for a further delay but I would get another call in XXXX more days hopefully solving the issue that was being handled by management and the Finance Department. No call was made and as a result today I spoke to XXXX customer service agents ( XXXX, XXXX, XXXX, XXXX and XXXX XXXX. Another policy with TransUnion is to wear down the customer by continuing to transfer calls where everything has to be explained all over and identities need to be verified so that I will give up. My complaint has to due with a further delay ( 60 days ) of a promise to send a check and CFPB is more than happy to assume that will happen and to close the case. I assure you I will not receive a check even if I were to wait for their most recent delay when it should have been expedited no thanks to your Agency.
Consumer complaint received 2019-05-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EDvantage LLC (CO)

Tuition Options, a subsidiary of XXXX XXXX XXXX XXXX, withdrew {$320.00} dollars in XXXX from my bank account for tuition to XXXX University. XXXX University closed officially in XXXX. I was no longer attending this school, as it had closed, and the private loan created for me seems to have disappeared from all records. XXXX XXXX XXXX XXXX is a nonprofit that had no background in education or private lending before 2017, and has now closed a school, leaving millions in debt and unsure of their future. My credits are worthless and even the website, https : //www.argosy.edu/closed-school-information does not explain any further recourse to recover monetary losses. It seems like XXXX closed, dumping its liabilities, and changed its name to XXXX University. This was robbery. 
I am owed not the {$320.00} from one month of robbery, but around {$3000.00} in total.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-09-09
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

Good day. I am having problems with AES. I went to XXXX  school and took out loans for that. Being a naive enthusiastic XXXX  student I did not realize what I was getting into with my school. My loans were from the school but now they are with AES. While I was in XXXX I was expected to pay on my loans and I did at times, but I could not afford the payments. I did get some deferment but the interest was accruing. Since graduation in XXXX, I have been consistently paying my loans, only missing a few months in between. I have paid a total of XXXX k into my student loans. The interest rate is a variable one and at one point was high as 11percent. I have tried to contact aes and get a lower interest rate, but I was always given an answer of no. Most of the XXXX I paid went to interest and late fees. I have also asked for a settlement amount and I was told again no. This year I have made consistent payments and have asked them to stop reporting negatively to the credit bureaus, but they were not able to help me. I tried to refinance my student loans with XXXX and XXXX and got rejected. My credit score has suffered due to them reporting to the bureau. I am not able to get a house or do anything because of this. My credit profile was recently pulled from a mortgage lender and I was told that it appears on my profile as if I have not made any payments to my loans since last year. I have proof of payments. All Im asking is that they work with me so my credit score can go up. Thank you for your time.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (MD)

I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

This complaint is regarding a claim made under the " Damage & Theft Purchase Protection '' benefit included with the co-branded credit card " Costco Anywhere Visa Card by Citi. '' The Citi Card Benefits Request case number assigned by Citi to my claim is XXXX. 

This claim is regarding a portable air conditioning unit that appears to have an internal leak or damaged seal near the top of the unit. I assert that this damage is due to shipping damage : the manufacturer 's box, in which the shipped unit was delivered, was quite beaten up. There are numerous mentions on XXXX 's product pages stating that this manufacturer 's packaging often resulted in shipping damage of varying severity. 

However, Citi 's contracted benefits administrator, XXXX  XXXX XXXX, stated in their claim denial letter that the deemed the issue to result from an " inherent product defect, '' which is not covered. 

I have read the terms and conditions which state that damage because of a product defect are not covered. However, Citi is stretching the definition of a " product defect '' to justify denial of claims without evidence, beyond a reasonable person 's understanding of the term " product defect. '' Citi provides no justification for why this is a product defect, except maybe that the issue showed up shortly after purchase. By this logic, the Damage & Theft Purchase Protection is useless for any item that is shipped/delivered, and which may sustain damage during shipping, since Citi may well claim that the product was defective prior to shipping. 

Alternatively, if Citi does want to offer a " Damage & Theft Purchase Protection '' benefit that is so limited in coverage, then Citi should clearly list that shipping damage is excluded in the terms and conditions. 

As it stands, Citi is giving the impression that the benefit provides more coverage than it actually does, while unreasonably denying claims by stretching its interpretation of the wording in the terms and conditions.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo has been reporting inaccurate balance history information to the credit reporting bureaus and I am having no luck getting this information corrected. This incorrect information hurts my ability to secure increased lines of credit because I am not able to demonstrate a history of paying off larger balances with the current incorrect information. I contacted XXXX  and tried to dispute the information on that end but they explained that it was Wells Fargo that supplies the information. Additionally, WF has not updated my credit card balance for the past two months, even though they reported inaccurate monthly payments. I would like updated information to be supplied to the reporting agencies. 

For example, XX/XX/XXXX, WF reported a {$25.00} payment, actual payment was {$320.00}. XX/XX/XXXX, WF reported {$25.00}, actual payment was {$250.00}. XX/XX/XXXX, WF reported {$25.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$51.00} ( actual payment {$150.00} ).  XX/XX/XXXX, WF reported {$49.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$100.00} ). XX/XX/XXXX, WF reported {$57.00} ( actual payment {$200.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$150.00} ). XX/XX/XXXX, WF reported {$53.00} ( actual payment {$400.00} ). XX/XX/XXXX, WF reported {$56.00} ( actual payment {$300.00} ).
Consumer complaint received 2020-05-07
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. (NJ)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to XXXX  and Equifax in regards to an account XXXX  XXXX XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX and XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ Transunion, XXXX, and XXXX but this company ignored my request.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I was traveling in the XXXX XXXX and purchased XXXX at the XXXX XXXX XXXX XXXX at approximately XXXX XXXX using my Chase Presidential Plus Card. The product I purchased turned out to be conterfiet. I contacted Chase Bank to get their advice at approximately XXXX XXXX.

I was advised by customer service to not return to the store as the items were counterfiet to avoid a conflict as I was alone. I followed the banks instructions, See Attached.

On XX/XX/XXXX I filed a written dispute as the bank had instructed me. They issued a credit. On XX/XX/XXXX I recieved a letter from the bank that the retailer responded say that the XXXX   where infact as advertised. I responded on XX/XX/XXXX in writing contacting Chase 's executive offices. On XX/XX/XXXX I recieved a phone call from Chase that said that they were denying my claim as there was no further recorse as the merchant did not provide any serial numbers on the reciept so I am stuck. I followed their instructions on handling and they are particpating in fraud along with the retailer. I am shocked that they use the retailors dishonesty as a way to not protect me as a a consumer. Beware of Chase Credit Card Services.

I have called Chase and let them know I was referring this to you.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

A XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (TX)

On XX/XX/2024, my account was inexplicably closed amid a severe weather event, leaving me without access to incoming funds and jeopardizing my ability to purchase essentials. Despite multiple attempts to contact customer service, I was simply directed to visit a branch, which was not feasible due to the weather conditions and a three-day weekend. I also work during banking hours. There was no reason for the closure. It had never been negative, followed all guidelines, and in good standing. It still shows as active and open online and visible to banks as such. 

Upon reviewing my transactions, I found no overdrafts or irregularities, no negative balance at any point, and my account still displayed an available balance. Subsequent attempts to resolve the matter have been met with inadequate support and dismissive responses. Notably, my third attempt involved a complaint to the XXXX XXXX XXXX, resulting in no substantive response and the complaint remains unresolved. My account still appears open in online banking with an available balance that is available immediately for withdrawal and an active debit card. The balance has changed from {$80.00} to {$38.00} with no explanation of balance discrepancies. 

My most recent interaction with XXXX via the customer service chat promised a transfer of funds to my new account, which has yet to materialize after six days. Despite providing new bank account information for a transfer, it remains held by East West, still with no communication or documentation to justify taking and holding my money, exacerbating the situation. 

Additionally, due to my closed account still listed as open in online banking, it has blocked my ability to set up XXXX with my new bank due to my contact information still unfortunately tied to this bank. I attempted three times to request removal of XXXX information and XXXX customer service claims this has not been done.