davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on XXXX and experian inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXX Bank XXXX reporting inaccurate on all XXXX bureaus please remove
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full. 

A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account. 

I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : Us Bankruptcy court & XXXX XXXX XXXX XXXX All Accounts included need to be removed
Consumer complaint received 2019-08-27
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. (CA)

TransUnion keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs attention
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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)

I opened a credit card under XXXX XXXX and few days later someone used my name to open up 2 different American Express Credit Cards which fr pleated my credit score
Consumer complaint received 2021-12-06
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. (PA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX XXXX  repo my car inXX/XX/XXXX. They later sold my auto at auction for {$5000.00}. I recently asked XXXX  to send me a bill of sale for my vehicle. XXXX  want to pay {$14000.00} on this car they repo. I need to see a bill of sale of this XX/XX/XXXX XXXX XXXX They ripped me off! I didnt own that much on this car loan. They are loan sharks!! I need some help!XX/XX/XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. XXXX accepted my authorization and said they would continue with the complaint and I have not received a response yet. Experian said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely distressed at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Trying to acquire VA home loan and upon checking my credit a student loan that I had received 30 years ago that was supposed to be wiped off my credit report because I am a XXXX XXXX XXXX Veteran is showing up on my credit report and creditor stating it is lowering my score and interfering with the process.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022, I logged into the Truist banking app for the first time to make my first auto loan payment. The first payment had a due date of XX/XX/2022. When I looked up my loan on the app to make the payment, I noticed that the due amount by XX/XX/2022 was double the monthly payment. I then pulled up the statement to confirm that only one payment was due and the statement did confirm that one payment was due. Confused as to why the information provided stated that a sum of two payments was due by XX/XX/2022, I reached out to a bank representative via the chat function. They advised that only one payment was due by XX/XX/2022. I asserted that the figure that was displayed as due by XX/XX/2022 was the sum of two monthly payments and that was incorrect. I was advised that once I made the XXXX payment, the payment amount would updated to display the upcoming payment for XX/XX/2022. Again I asserted that the sum due by XX/XX/2022 was inaccurate and can be misleading. I asked to file a complaint and requested a follow-up to my complaint. I was advised that I would hear back within 3 days. I have yet to get contacted by Truist regarding my complaint which makes me wonder if the complaint was filed. As a 20+ year XXXX XXXX, I was smart enough to not make the XXXX payment with the XXXX payment. Some consumers may trust the information displayed is accurate and the additional payment may be applied with the XXXX payment as additional principal. My complaint is that the sum due displayed was inaccurate and deceptive.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

My girlfriend on XX/XX/2021 reached out to the website XXXX to adopt a cat. We were contacted quickly that the cat was available. We went through with the adoption and they told us the cat would be shipped to us through XXXX XXXX XXXX ( XXXX XXXX. They requested we use XXXX through my Wells Fargo checking account to send them {$1500.00} as a deposit for travel, even though the cat was supposed to cost only {$500.00}. But we completed it. The following day ( today ) we got another email requesting onwards of {$3000.00}, which confirmed any suspicions of it being a scam.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2021, I filed complaints against both Capital One Banking ( Complaint # XXXX ) and XXXX XXXX XXXX Bank XXXX XXXX # XXXX ) regarding a clearly altered check that was initially accepted by Capital One Bank which XXXX XXXX XXXX by XXXX Bank. I have attached a copy of the full complaint form for Capital One ; the same complaint message was filed for XXXX Bank. On XX/XX/2021, I received a phone call from XXXX Banks Executive Offices wherein the complaint was reviewed with the representative essentially agreeing that this is a matter between XXXX and Capital One Bank. It is a problem within the banking system and not with anything I had done. The representative advised me that she would have to discuss further with XXXX Banks Fraud Operations with its Customer Complaints and that I would receive a response within 3 days. No such response was received and a follow-up call by me went ignored. XXXX XXXX Bank responded via letter on XX/XX/XXXX, a full two weeks after the complaint was filed, that they need an affidavit form from XXXX, one which I had provided on two previous occasions. There has been no contact by either XXXX or Capital One in the past three months. As a brief summary, this involved a {$2500.00} check I had made payable to XXXX, a well-known and well-supported XXXX based organization that provides extensive assistance to XXXX and XXXX XXXX children and adults. The payee was clearly altered to XXXX XXXX. Despite an arrest of an individual having been made for stealing mail from the local post office and altering numerous checks, there has been no follow-up on the part of either bank. As a result of both banks choosing to ignore me, a forty-year customer of XXXX with significant holdings, I have decided to pursue two paths. I will begin transfer of my funds from XXXX to XXXX XXXX XXXX. I will also contact the local affiliate of one of the national news networks that runs features on resolving citizen problems. Given the high visibility of XXXX in the XXXX area, there is a reasonable likelihood that the network will pick up on this instance of two major financial institutions effectively punishing a most worthwhile organization. Since neither XXXX nor Capital One appears concerned about resolving the problem with me, perhaps being confronted by reporters for a major news station will elevate the matter.
Consumer complaint received 2019-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

This is regarding a {$250.00} payday loan I took out a long time ago from ACE Cash Express back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called XXXX XXXX and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the industry using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.
Consumer complaint received 2022-06-10
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: SYNCHRONY FINANCIAL (WA)

Synchrony Bank has closed every XXXX of my consumer credit accounts with no reason to me. 

I went to use XXXX of my accounts and was declined - I researched and found that every single XXXX of my Synchrony Bank credit accounts were closed. I received no notification that this was taking place or given any reason. 

I have had perfect credit history with them, paid all my accounts on time if not all paid off. I had substantial credit lines available and clearly didn't abuse my credit privilages. 

By doing this, they have severely damaged my credit profile and scores.
Consumer complaint received 2022-02-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.
Consumer complaint received 2018-11-26
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: DISCOVER BANK (TX)

I came to know today my credit score suddenly dropped 30 points and I saw there was a hard inquiry done by XXXX XXXX XXXX on XX/XX/XXXX without my permission. So I am trying to report this as fraud hard inquiry was being done without my permission. I need to remove this hard inquiry from my credit reports. 

Another hard inquiry done which was fraud which I already reported long back was done by XXXX, XXXX done on XX/XX/XXXX. 

Need to remove these two hard inquiries from my credit reports of all three major credit bureaus.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

US Bank accepted a {$50000.00} Electronic Fund Transfer without hesitation. Upon attempting to transfer these funds to an external account, I discovered that US Bank arbitrarily places a {$5000.00} per day limit on external transfers. When inquiring with Customer Service, I was advised " there is no way to transfer funds in excess of the limit '', and was advised I could ONLY wire the funds ( in excess of the {$5000.00} daily limit ) for a {$30.00} fee. The customer service representative spoke with identified herself as XXXX. I asked XXXX to ask for an exception, she attempted to transfer me to a supervisor named XXXX. XXXX advised XXXX " was in a meeting '' but would call me back by the end of day. There was no call back. 

This is an arbitrary limit placed of funds to retain the funds, or to secure additional fees
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

Additionally, CHASE has repeatedly charged my CHASE XXXX XXXX XXXX 's account {$15.00} per month in fees when I have met with a bank manager in XXXX Connecticut repeatedly. I am a private bank customer and no fees are supposed to be charged to my accounts.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-05-03
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. (OH)

There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my transunion credit file XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my XXXX profile XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX