davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

I have a JCPenny XXXXcard, and I had a payment due on XX/XX/2023. 
I went to the store on XX/XX/XXXX, to make a payment as I always did. I had XXXX checks XXXX for {$600.00} and another for {$900.00} adding up to {$1500.00}. The amount on the statement that was owed was {$1300.00}. She did not give me a receipt for the second check, so I asked the manager for one. He was able to print one up, so I put everything in my purse. I did have my granddaughter with me for school shopping. 
I receive text messages from my bank about my account. I received one on XX/XX/2023, that I had {$1300.00} in my checking account. Then XXXX hour and XXXX minutes later, I received another text for a withdrawal of {$1500.00}. Then checks started bouncing. I looked at my JCPenny statement and the receipts and saw she charged my checking account {$1500.00}, not the {$900.00} It was made out for!! So, I called the bank and to them what they did. They called the credit card company and they put the money back into my account.

Now the statement says they put it back on XX/XX/XXXX and on the same day charged me {$50.00} late as they never received the money!! 
So I called the credit card company to dispute the charges, that it was their fault, not mine, They keep saying I got the money back and according to my bank did not get the money back till the XXXX XXXX  XXXX
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX through credit acceptance who I recently found was sued for the same type of actions. 
I have only had the truck a few months. 
Whole driving it the frame broke in XXXX pieces they refuse to move the loan to another truck. My down payment was added to the cost instead of subtracted. They have me down as XXXX XXXX XXXX man born in XXXX on the paper work. The cost of the truck is double what I was told it would be.they are calling me about XXXX  times a day and even call on Sundays.

The amount of issues with this company is truly a lot. I can't run my business because I have no truck.
Consumer complaint received 2023-09-11
Product: Credit 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: CITIBANK, N.A. (IL)

On XXXX We purchased 2 separate upgrades to international flights on XXXX XXXX. Issue at the airline and documentation provided showed the flight was no actually upgraded as the issues with the services at the time prevent the seats from working and not being upgraded. 

We attempted to resolve with XXXX while in XXXX and then again upon our return. The only thing we received was a {$25.00} voucher as an apology. We spent {$1900.00} times 2 for these upgrades and that is not acceptable. 

We disputed the 2 charges and provided numerous amounts of documents and signatures within he 60 days of the initial charge. They closed out the dispute because CItiBank is too big to research and resolve anything. 

Break up Citibank!!!! 

I want my dispute resolved ASAP.
Consumer complaint received 2023-08-02
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)

Subject : Dispute Request - Block and Delete Fraudulent Account Due to Identity Theft Account Name : XXXX XXXX, Account Number : XXXX, Date of Opening : XX/XX/2023, Reporting Balance : {$370.00} I am writing to formally dispute the existence of the XXXX  XXXX account with the account number XXXX, which was allegedly opened on XX/XX/2023, and is currently being reported on my credit report by Equifax. I have no knowledge of this account, nor did I authorize anyone to open this account on my behalf. I believe it to be the result of identity theft.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient is inaccurately reporting information on my consumer report. Navient is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted Navient and they didnt correct this error.
Consumer complaint received 2024-04-02
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2023, a representative told me that they will not process my disputed accounts and asked why I am disputing accounts on my credit file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account. I demand to see Verifiable Proof ) an original Consumer Contract with my Signature on it ) you have on file of the disputed accounts. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, by law, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1861j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FCRA guidelines. Please include the method use to " verify the debt you claim I owe. I have requested the person 's name, phone number, address, name of company that performed the investigation and the individual 's title. Thank you.
Consumer complaint received 2023-05-17
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. (NC)

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/2018
Consumer complaint received 2023-07-07
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. (CA)

IMY INFORMATION WAS USED WITHOUT MY KNOWLEDGE. I AM A VICTIM OF IDENTITY THEFT. I HAVE CALLED AND FOLLOWED UP WITH THIS COMPANY MANY TIMES TO HAVE THEM REMOVE THIS FRAUDULENT ACCOUNT. THEY CONFIRMED A XXXX BALANCE. PLEASE ASSIST ME TO HAVE THIS FRAUDULENT ACCOUNTS REMOVE FROM MY. CREDIT REPORT. THANK YOU
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AR)

On XX/XX/XXXX I was made aware that my identity had been stolen and that the XXXX ARKANSAS payments had been being paid out to a debit card in my name since XX/XX/XXXX. I filed a police report put a fraud alert on my credit contacted the attorney generals office and contacted the US Bank Reliacard. The bank filed a dispute for the transactions that had taken place. I was asked to verify my identity. I submitted documents to verify my identity on XX/XX/XXXX. I reached out to the bank several times to no avail. I recieved a transaction dispute form in the mail on XX/XX/XXXX. I submitted the completed form along with a copy of the police report via fax on XX/XX/XXXX. I called The US bank on XX/XX/XXXX and was advised the investigation had concluded no fraud had taken place and my identity was still not verified. I disputed the decision which was made in less than 24 hours from the time i submitted documents and was told no credit would be recieved on my behalf. I have done everything asked of me to fight the identity theft and the bank carelessly made the decision without investigation. I have been told something different every time i have called and have not recieved any kind of help. The bank neglects to contact me within the time i am told they will. Nothing has been done in a timely manner. No form of help is being offered when i have complied with everything that has been asked of me.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

AES has consistently misapplied interest payments on private student loan to previously serviced, but consolidated federal student loans. They paid XXXX XXXX {$9.00} on an account that was already consolidated ( two payments on two previous loans ), and refused the refund, and instead assessed a balance on my private student loan. I have full documentation of every on-time full payment made.
Consumer complaint received 2023-12-02
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: Chime Financial Inc (FL)

I was trying to open up a checking and savings account and i realize that i have damages on my credit report. According to the 15U.S.C 1681 law, there should not be any damages on my report, its a defamation to my character.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (WA)

I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (RI)

Bestbuy, is charging me {$830.00} in interest adding this amount to the amount that I already owned to this institution. They have a promotion to pay in 24 months but if this amount is not paid in total of the 24 months, they charge the total amount owned as interest rate. When I called them, they pushed to make me pay the full amount or the interest rate will continue. 
I have this store credit card for almost 10 years and I have never saw this charges. This is unfair and greedy. I have the statements to prove it.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (OH)

I filed a complaint about this company with the CFPB about incorrect reporting practices for stating I was late on my payment on XXXX and XXXX. I am now being retaliated against. On this day XX/XX/XXXX this agency changed my payment status from XXXX  from current to late. This was not on my previous credit report as late I was current on my payment for this month and now since I filed several reports about this company they are continuously finding ways to defame my character through my credit report. There is no reason why 10months later a payment should go from current to late under any circumstances. They are continuously retaliating against me for making a report and standing up for the law and whats right. The refuse to make my XXXX payment current instead they marked it as closed. Then they turn around and went back ten months and made a payment that was on my payment history as Current and reported it as late I will Attach these documents proving they changed a payment that was current too late which affected my credit score. As a consumer I should not be retaliated against for making a report with the CFPB. If after this report nothing else should change on my credit report from this company as if and account is Closed with no balance they should not still Be reporting. Nothing else should be reported except from them changing my XXXX payment back to current as it was from the past 10months. They are using this as a form of pay back and retaliation for being reported and if this continues I will file a lawsuit law suit.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (TX)

I am writing to request that the XXXX XXXX XXXX XXXX XXXX account, with the original creditor being XXXX at XXXXXXXX XXXX XXXX and account number XXXX, be removed from my credit report. This account was opened fraudulently and I am a victim of identity theft.
Consumer complaint received 2023-04-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX  XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00}
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to transunion like months ago to resolve this matter. Apparently there reporting an account with XXXX  that does not belong to me and im asking for a removal of the account. As a matter of fact transunion removed the account and illegally reinserted the account XXXX XXXXXXXX I've mailed them documents previously
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXX to XX/XX/XXXX were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-12-08
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. (CA)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-12
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. (IL)

After sending info to identify myself, Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX  XXXX not mine XXXX/XXXX  XXXX XXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine COLLECTIONS   XXXX  XXXX  XXXX {$400.00} not mine XXXX XXXX XXXX  XXXX {$1400.00} not mine