davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MD)

I applied for the Target store credit card using their online application process. 

I submitted a proper application with all the correct identity information. ( The customer service agent confirmed that my application was approved, subject to identify verification ). 

Upon approval, the online application system started asking auto-generated identify verification questions. 

However, all these questions appeared unrelated to me, which indicated that the system was asking about an identify of someone else. 

As a result of the error in the automatic identify verification system, Target initially put a burden on the customer to prove his identify, and in turn unilaterally denied the application, after putting an hard inquiry on my credit history. My credit score dropped because of the hard inquiry. 

When I contacted Target to correct the error, a Target representative and her manager refused to correct my application or the error. 

When I ask the reference number to the case and a contact for their legal department for written communications, the call to Target was disconnected by Target. 

Target must nullify the application and remove the credit inquiry, because the credit denial was due to their error.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.
Consumer complaint received 2021-11-15
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. (PA)

On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding had been told to remove a debt from my Credit Report and instead left a judgment from a XXXX year old debt on my XXXX XXXX Report
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.
Consumer complaint received 2022-05-20
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. (CO)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Informative LLC (IL)

I applied for a HELOC on XX/XX/XXXX with the credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) to replace a construction loan I had with them. Within minutes of the XXXX XXXX running a credit check my wife and I were bombarded with unsolicited robocalls and texts trying to sell us mortgage products. 

Here are the number of calls I received : Friday - XXXX Saturday - XXXX Sunday - XXXX Monday - XXXX Tuesday ( as of XXXX CT ) - XXXX and counting I contacted my credit union and they shared that they use " CBC '' ( from XXXX : " CBC , also known as Credit Bureau Connection , is a credit reporting and compliance solutions company. CBC also has a third party partner that credit unions use to pull credit reports used in evaluating mortgages " ) I never consented to CBC to sell my ( and my wife 's ) information to be then sold by CBC to random mortgage brokers to then harass us with scammy mortgage offers. I literally had to turn my phone off on Monday because I was getting a call a minute. CBC should not be able to sell my data like that without my consent ( I am/was in privity with the credit union , not them ).
Consumer complaint received 2023-06-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-31
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. (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year ofXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Consumer complaint received 2022-12-16
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. (DC)

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXXXXXX XXXXTransUnion
Consumer complaint received 2022-05-20
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: AMERICAN EXPRESS COMPANY (CA)

On I hired XXXX XXXX XXXX which does after construction cleaning. They came over on the date they scheduled me and told me that some of their employees had COVID 19 and that they would have to reschedule the date. After rescheduling they did not show up for the appointment, I called them and told to refund my money. They promised to refund me but never refunded me. I contacted American Express, my card company and requested a dispute on the charge. After a month American Express responded that they could not dispute and that I had to hire an attorney if I wanted my money refunded.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

We had a vehicle financed through Wells Fargo. In the early part of 2018, that vehicle was involved in an accident and totaled. We had full insurance coverage, plus gap coverage on the vehicle. We promptly file claims with both insurances, and settlement funds were issued to Wells Fargo promptly. We spoke with Wells Fargo several times after they received the insurance funds, and we were assured by them that the account was completely resolved. They said that we no longer had any liability with Wells Fargo. In XXXX, we discovered that Wells Fargo was still reporting that we had a balance owed for {$960.00}! In addition, they were still reporting that the account was active, as well as past due! We have disputing this issue with Wells Fargo for months now, but they refuse to correct our credit report.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

i recently saw that a credit card account was opened under my name and social but with a different address that is similar to mine. I disputed it with the credit bureau and it was taken off my credit report but it still remains on two of the credit bureaus. I called the company that issued the credit card and they told me that it was open under a different address. I would like this removed from my credit report.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent numerous letters about inaccurate information on my credit report. Transunion either doesnt respond, tells me to reach out to the company who intimated the inquiries to remove them, or just tells me its verified. So then I reach out to the company like they said, and the company cant verify it to me. But Transunion still wont delete this inaccurate information. So I dont believe they are verifying the information at all! They cant be allowed to just mess up peoples credit and leave things in there that are not yours! 
XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose. 
XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear CFPB, I was notified by mail multiple times by Portfolio Recovery Associates, XXXX ( PRA ) address XXXX XXXX XXXX XXXX VA XXXX of collection notices about { {$5500.00} } Reference Number : XXXX, to which I found multiple violations pursuant to 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). I XXXX XXXX the Consumer and Natural Person is the original creditor, Pursuant to 15 U.S. Code 1692a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 U.S. Code 1692a ( 5 ). This company harasses me with debt collection letters since 2018. Pursuant to 15 U.S. Code 1692b ( 2 ) they can not say that a consumer owes a debt. I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to, in which I have not received thus far. In this regard after failing to respond to my affidavit thus defaulting and due to the inaccurate reporting and unprofessionalism of this company since XXXX. This is for the record that in pursuant to 15 U.S. Code 1692k they have to pay { {$1000.00} } per violation in the total amount of {$8000.00}. I demand this account be deleted on my credit report. Delete from all consumer reporting agencies ( XXXX, XXXX, XXXX ) and monetary damages of {$8000.00} as per attached invoice. I have file a report with the FTC attached Report # XXXX and will proceed with filing a case with XXXX XXXXXXXX XXXX of XXXX XXXX XXXX Attorney General if the matter is not resolved immediately! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

I have worked at the XXXX XXXX XXXX, XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and recently applied to for PSLF and was granted PSLF on XX/XX/XXXX. I have made multiple payments after leaving XXXX  totalling {$12000.00} ( see Student Loan Payments after XXXX XXXX  and a few of them totalling {$1100.00} have been refunded ( see XXXX XXXX XXXX XXXX ). However, a large amount, {$11000.00}, has yet to be refunded. I have contacted Fedloan Servicing about this issue but have yet to recieve an answer.
Consumer complaint received 2022-05-20
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.

XXXX
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I Used XXXX XXXX via XXXX to pay XXXX ( XXXX XXXX ) Transaction number : XXXX The payment was for the first month rent and security deposit for an apartment listed on XXXX XXXX. The supposed " owner '' of the property was XXXX XXXX XXXX phone number ( XXXX ) XXXX. It turned out to be a complete scam. XXXX and XXXX have no connection to the apartment or building address. 

XXXX opened a XXXX fraud investigation case, but there is nothing more they can do to get my money back, or at lease FLAG the XXXX XXXX account as a scammer.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit card through XXXX 's We always pay this card through our XXXX  XXXX XXXX on line bill pay. 

A payment of {$52.00} was made to Capital One XX/XX/year>. 
Capital One denied receiving payment. 
I submitted multiple records and XXXX  statements that payment was made. 
There was considerable phone conversations with various Capital One departments I also had a few conference calls with XXXX and Capital One. 
XXXX explained the situation. I also send Capital One a copy of the XXXX  check. 

To this day they have completely ignored the facts and have been charging me with late fees and interest which now amount to over {$160.00}.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (GA)

I called regarding a debt I owed I spoke to 2 different representatives on XX/XX/2021. XXXX XXXX gave me the wrong information would not answer my questions regarding my debt they alleged that I owed and I spoke to XXXX XXXX who transferred me the 3rd time I called then hung up on me when I called back. Both representatives hung up on me and refused to help me when I was asking questions about my account. Very unprofessional, and not even willing to talk to me so I can try and take care of this account theyre saying I owe on that I also didnt receive a debt validation for.