davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (CA)

On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

XXXX, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of XXXX data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the dark web. I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2022-10-13
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. (GA)

I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the XXXX REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX XXXX XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.
Consumer complaint received 2021-04-20
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. (DE)

I am very upset with this issue. I sent a letter to the credit bureau over a month ago regarding inaccurate accounts on my report. It is now 45 days later and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I started having problems paying on my Cerulean Continental Credit card. I reached out to Cerulean to see if they would be willing to offer me a program temporarily to help me get back on track. The customer service representative told me they didn't have any program they could offer me. The late fees and over-the-limit fees are excessive and I am unable to repay them XXXX dollars in minimum payment. I have called them and told them I can not repay them this much money at once. They don't care that my hours were reduced due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just pay them the outrageous fees. I am writing you to look into their fee practices and to see if you can help me as a mediator so I can get an affordable payment plan to repay them back. They are XXXX  me by phone, text, and email daily, 7 days a week. I want the excessive phone calls to stop. I want whoever is in charge to call me and help me so I can repay a reasonable payment. Thank you. I am being charged XXXX every month since XXXX plus interest. I have called and asked for help and I am unable to get help on my own. That is why I am reaching out to CFPB.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.
Consumer complaint received 2019-01-29
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)

I have written Equifax on numerous occasions in reference to reporting inaccurate information. I was never late for payment with XXXX XXXX, I have never been late on my XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX/XXXX  account. I do not have a written contract/agreement with XXXX XXXX XXXX that states I owe {$330.00}, I also do not have a written contract/agreement with XXXX  XXXX, XXXX that states I owe XXXX which is inaccurate. XXXX XXXX XXXX inaccurate balance of XXXX the correct balance is {$0.00} and There is inaccurate balance of XXXX for XXXX the correct balance is {$0.00}.
Consumer complaint received 2022-12-20
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. (CO)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2022-05-19
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXX has me at a score around XXXX. 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 transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Monday XXXX XXXX I was selling a dress on facebook market and the person named XXXX XXXX who bought my dress asked for my name and phone number under my account to XXXX  me the money and thats what i did but then i got emails from a fake XXXX email saying to follow procedures to receive the money and one email had said to XXXX  {$600.00} to verify your identity but it will be refunded and another said that the person sent an extra {$600.00} to me by accident and to refund it and said to XXXX {$770.00} to finally receive the money fully to verify. I then realized that the XXXX email was fake and the person hasnt been answering me ever since. Ive lost {$1900.00}. The XXXX emails look real and when I did some research the XXXX email address was fake. I called chase and told them the situation but said its not covered since it was a scam and I authorized the transactions even though I was INDUCED. Chase didnt want to do anything about it as well as XXXX XXXX Ive never done this before and there shouldve been a courtesy refund or something. XXXX  a college student who isnt working and barley has money to live off of. Very unfair that people are covered under fraud and not scams.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies, I have never done business with any of them. These collections companies do not have a contact with my signature.
Consumer complaint received 2022-05-19
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. (MD)

I have informed XXXX, XXXX and Experian that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''
Consumer complaint received 2022-05-19
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. (MD)

I have informed XXXX, Equifax and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''
Consumer complaint received 2022-10-13
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. (MO)

Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion claims they except disputes to repair remove incorrect information they however DO NOT remove delete fix anything resulting in untouched inaccurate information dating back to many many years ago. 

Separately I have been affected by a bank who claims information on TransUnion file has resulted in the closure of an account and also cutting my higher credit limit to lower limits. Who decided it was a good idea to allow a bureau this much power over the consumers? They report the lowest credit score of the other bureaus I'd like to request they stop reporting anything about me Good or Bad
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to XXXX  card which is XXXX XXXX and capital one, explaining to situation to all lenders.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (UT)

I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to JPMCB card which is XXXX XXXX and XXXX XXXX, explaining to situation to all lenders.
Consumer complaint received 2019-07-19
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. (HI)

I had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as my account
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (WI)

I identified discrepancies with this account and validation was requested as I informed the company that this debit was not valid and paid off by my car insurance, I even provided paperwork. I reviewed my credit report again and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account. Please strike and remove this account from all three credit bureaus until adequate validation has been received. 

Dispute XX/XX/2022, amount {$650.00}
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (WA)

Hi, I reached out to Affirm to stop an accidental full payment XXXX mins after it happened. They advised me they would not be able to stop it and it would take up to 5 to 6 days to return the money. ( XXXX from affirm ) Advised there is not enough money in the account to cover the XXXX. Advised that I am making a good will attempt to notify Affirm of the accidental pay off. Again XXXX said there is nothing they can do till the money is deposited and they can then ask for a return of the money. I again advised them the transaction was less then XXXX mins ago. My bank has stated no request has been done. XXXX stated again it would be XXXX to 6 days before they could return the money back to the account. 

I again stated this was accident and there is not enough money to cover the amount. I am making a good fath attempt to bring attention to the issue. I asked for a manager ( XXXX ). XXXX advised that he would not be able to do anything. I advise to contact leadership with a ticket. He said It would take 10 to 15 days for this to be address. One of the reasons they dont offer this path. 

They did advise if the payment fails there would not be a follow up attempt.
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (NY)

They refuse to remove a collections from the XXXX XXXX. I never owed them anything I went to court with my cable company as they overcharged me and owed me money. Collection was an error and it was removed from both XXXX XXXX and XXXX  however Equifax refuses to remove it. The collection agency reached out to the credit agencies to remove the information