davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
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: CITIBANK, N.A. (CA)

Dear Sir/Madam, Please see attached for my letter sent to Citi Credit Card company regarding the trip booked thru XXXX but got canceled due to the COVID19 pandemic. Below is a portion of my letter : " Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It was nice talking to the Citi customer service representative on XX/XX/XXXX regarding the charges to my credit card account. As requested, I am writing this letter to provide more information. 
Back on XXXX XX/XX/XXXX of XXXX, I booked thru XXXX for my big family to go to XXXX XXXX XXXX, XXXX for a vacation in XXXX of XXXX. But, due to Corona virus pandemic, it was cancelled and XXXX gave us credits to use for when we are allowed to travel again. 
As California reopens for business and we are planning to travel again, On XX/XX/XXXX I called XXXX to use credit vouchers for our upcoming vacation, but the XXXX customer service representative did some research and told me that we can not use the credit vouchers as the airline that issued them is no longer operating and he advised me to dispute the charges with the credit card company. '' And this is a portion of the letter the Credit card sent to me : " This letter is in regards to your disputes with the above merchant for {$420.00}, {$460.00}, {$460.00}, {$460.00}, {$420.00}, {$420.00}, {$420.00}, {$410.00}, {$410.00}, {$460.00}, {$420.00}, {$420.00} and {$460.00}. 
We have reviewed your disputes and determined we are unable to assist you due to the age of the charges. We needed your letter within sixty days from the first statement on which the transactions appeared. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account. '' As it was my intention to use the credit vouchers to go on the trip again so there no reason to contact credit card company within sixty days of the the transactions appeared. Now that the airline is no longer operating so I can not use the service that I paid for and have to ask the credit card company to help and I think that the sixty days should be an exception in this case.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IN)

Discover Financial Services, LLC date filed w/ court XX/XX/19 date satisfied w/ court XX/XX/19 amount : {$8100.00} status : Grid Code L : chargeoff case # Discover Financial Svcs. LLC of XXXX. DE XXXX Credit report court : Discover Fin Svcs LLC
Consumer complaint received 2022-10-11
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: AMERICAN EXPRESS COMPANY (AL)

Dear Amex, I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX XXXX XXXX  that has been closed but that was opened in my name that ended in XXXX and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all XXXX credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Amex and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Consumer complaint received 2022-10-10
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. (NC)

This is my several 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 an alleged fraud or extortion. 
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 2021-06-13
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. (MD)

Inaccurate credit inquiries on all 3 credit bureaus 4 on XXXX  5 on trans 5 on XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am I XXXX XXXX XXXX SUBMITTING THIS ON MY OWN BEHALF. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Hello, I've recently made two payments to XXXX. For whatever reason, the payments were returned same day. My banking statement does not even reflect XXXX drafting the payments. I did receive the first email when I scheduled my payment. I received another email stating the payment was applied on my account. Now I'm showing ( 2 )  returned payments along with late fees and finance charges. XXXX has marked my account as late 30 days on all credit reports and closed my account. I have been with them for over 8 years with no late payments.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.
Consumer complaint received 2022-10-10
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. (NC)

This is my several 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 an alleged fraud or extortion. 
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 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

AARGON AGENCY reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.
Consumer complaint received 2018-07-02
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: TD BANK US HOLDING COMPANY (CA)

It was {$100.00} {$48.00} 2 times that was purchased on XXXX my information was compromised are trying to steal my XXXX XXXX account some online hacker XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-01
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. (GA)

I received an email from XXXX XXXX  that I have a new hard inquiry that I don't recognize from XXXX XXXX ( XXXX  ).
Consumer complaint received 2023-06-01
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. (FL)

I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.
Consumer complaint received 2018-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to make a complaint about Capital One Bank. About a month ago, on the date XX/XX/2018, Capital One Bank has decided that they want to infringe on my financial freedom by limiting my access to 3rd-party financial applications ( XXXX XXXX XXXX  XXXX ) and the decision to suddenly and temporarily no longer working with XXXX XXXX. Due to this, I no longer have access to these applications, or the ability to move funds between them and my Capital One account, and I don't have the ability to deposit money into my XXXX XXXX XXXX. This is an issue for me. I have personally contacted the customer service lines for both XXXX and XXXX, and they have both said that Capital One has severed the connection with them. Upon further investigation and reading multiple articles about the issue and reading a direct statement from XXXX XXXX, Capital One 's reason for severing the connection between them and the XXXX applications, was because Capital One wants you to instead use their Investing Services instead of someone else 's. I am writing this complaint in a last attempt for you, the CFPB, to intervene on this matter and fix this issue.
Consumer complaint received 2019-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called capital one auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called Capital one auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. Capital one reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Company identifying themselves as American Express is attempting to collecting on debt well past the statute in California. 

Number is XXXX ( everyone spoke with an accent, suspect the call was from XXXX, and the are using local relay lines ), and it attempting to collect on a card ( ending in XXXX ) that was discharged in XXXX. 

Number called me on XX/XX/XXXX. I called back on XX/XX/XXXX. I explained that this is time barred debt, and not to contact me any further regarding this.
Consumer complaint received 2018-07-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK IS A LIAR, INCOMPETENT, NEGLIGENCE MORTGAGE LENDER, THEY LIED TOO. 
THEY FORCED ME TO SHORT SELL MY BEAUTIFUL HOME THAT I LIVED IN FOR 22 YEARS. 
CHASE WILL SAY THAT THEY FOLLOWED ALL POLICIES, UNDER THE LAW BUT THEY DID NOT. 
I SENT BACK ALL DOCUMENTS THAT THEY REQUIRED AND THEY CONTINUELY LOST THEM ON PURPOSE AND SAID I DID NOT SEND THEM IN WITHIN THE TIME FRAME THAT THEY ALLOWED. 

DON'T BELIEVE A WORD THAT THEY TELL YOU. 

7 CHASE TOP EXECUTIVES COMMITTED XXXX, BECAUSE OF THE WAY CHASE CAUSED MILLLIONS OF PEOPLE TO BECOME HOMELESS, CHECK IT OUT. 
I AM REQUESTING {$40000.00}. IN DAMAGES, PLEASE YOU NEED TO GET THEM TO PAY,
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Chrysler Refuses to report the true correct up to date accurate information on my credit Report and while doing so has violated many laws including but not limited to the FCRA, Banking law of North Carolina, and UCC- 9-616. 


I Started off by sending my notice of my request for a listed number of documents for Chrysler to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration  document required by the state that allows you to hold or service this alleged promissory note On the XXXX of XXXX Chrysler mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note. 

The Account Transaction that I received from Chrysler Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. 

In my initial contact with chrysler I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. 

This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Consumer complaint received 2022-12-04
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: SYNCHRONY FINANCIAL (FL)

I am in the process of buying a house, a credit report from my mortgage broker was given to me. This account does not belong to me. This account is having a negative impact on my life and is effecting my ability to purchase a house. I do not know how this account was put on my credit.
Consumer complaint received 2019-07-31
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)

I received a call from XXXX, a locator company, trying to find where the car is that was purchased under my name on XXXX  2019. My identity has been stolen. There were previous attempts where someone tried to open an account under my name so I freezed my credit but apparently this happened right before. I filed a police report on XX/XX/19 case # XXXX. I filed a dispute in Transunion but it came back as verified. The vehicle was purchased in MO. I live in XXXX, CA. How can this be verified? 
Transunion dispute case number is XXXX.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

I recently pulled my credit reports from all three credit bureaus and there is a collection company, " Penn Credit Corporation '', reporting a fraudulent account from the originator of the debt which is XXXX I have never done business with this company or held any services with this company. This account is fraudulent...
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (KS)

I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.
Consumer complaint received 2022-02-08
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. (TX)

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX  updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX Experian and XXXX XXXX