davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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: SYNCHRONY FINANCIAL (TX)

Good Day Team CFPB, On XX/XX/XXXX I had a procedure done at XXXX in the amount of {$4700.00} which was financed by CareCredit / Synchrony Bank. In early XXXX, approximately 6 months after the XXXX, I contacted XXXX about my concern the procedure did not work. The staff and doctor advised to wait a few more months and I would see results between 6 and 9 months. 

In XXXX I scheduled a XX/XX/XXXX visit ( 10 months post op ) and met with the staff and XXXX XXXX. At that time, he advised it could take a full year and to comeback in XXXX. I didnt feel reassured about his statement as this was the same Doctor who said you will see results by 6 months. 

About 2 weeks later, I contacted my finance company a week later and requested a dispute on the financed charges which Synchrony logged. 30 days later I was informed I lost the dispute. Synchrony listed it as a price dispute which wasnt accurate I explained I was arguing about a faulty defective product. I called Synchrony after receiving the turn down letter to which I was informed I  needed to meet with XXXX and the Doctor again as there was nothing they could do. I questioned given theyre the finance company and I was sold a defective product. Begrudgingly, I setup a 2nd appointment and attended on XX/XX/XXXX a full year + after my procedure. Again no resolution from XXXX as I requested my money back. After leaving their office, I contacted Synchrony again to request a dispute.

At this time, Im not confident I will receive my money back and only have a short window remaining till the promotional expiration. Im requesting assistance to recoup the amount of {$3600.00} remitted to Synchrony as of XXXX and not be liable for the remaining balance of {$1100.00}. 

I appreciate your assistance.
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX XXXX  XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-29
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. (MA)

HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
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: EQUIFAX, INC. (MN)

I have a current police report on file dated XX/XX/XXXX with XXXX XXXX due to being a victim of identity theft. The following inquiries viewed by others listed on my XXXXXXXX XXXX Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXXXXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and Equifax. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

In mid XX/XX/2020 my wife and I contacted US Bank representative XXXX XXXX at XXXX XXXX to inquire about applying for a home equity line of credit. 

I was a mortgage broker in the past and familiar with underwriting requirements credit inquiries and scores, specifically asking XXXX if the proceeds could be used for a down payment on another home, otherwise we would not apply and damage our perfect credit rating. 

Being suspicious, to make absolutely certain I asked again and again because no other lender allows proceeds to be used for this purpose. 

Well we do! was the response from XXXX. Over and over. Again and again. 

He assured us it was an allowable use many many times in multiple subsequent phone conversations and emails. 

In addition, I spoke with XXXX in detail numerous times about every other aspect and requirement to make sure we complied with everything otherwise again we wouldnt waste time applying knowing wed be declined. Who would? 

Well we applied based on XXXX statements, assurances and declarations. 

And of course we were declined. 

Reason given : proceeds could not be used for a down payment on another property. 

Huh? What? 

I contacted XXXX XXXX at XXXX several weeks ago who represented herself as XXXX XXXX XXXX for that area. 

Upon hearing the situation she immediately graciously apologized and assured me that this was indeed a banker error in her words and that she would reverse the credit inquiry ASAP and we should expect a letter of confirmation to that effect within a few weeks. 

We just received a letter from the US Bank Credit Report Dispute Dept saying that they would NOT in fact be removing or reversing the inquiry on the credit report. 

We feel misled and abused. We need help. We are good solid senior citizens with no criminal records and perfect credit scores and consider this elder abuse. I am XXXX and a XXXX patient. My wife was a nurse for over 50 years. Were good people who have been taken advantage of. 

Please contact us ASAP @ XXXX or XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2022, I received a notification message that, my PayPal Account is limited permanently, I have contacted the responsible company to resolve the issue to me, but upto now no feedback received on my end.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my credit report.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NJ)

XXXX XXXX knows that credit is HIS right and XXXX XXXX also knows that reporting to consumer reporting agencies by creditors is voluntary, please see attached CFPB article from XX/XX/2012. The information that NAVY FEDERAL CREDIT UNION saw on the report that was received from XXXX, XXXX XXXX didnt consent to it, and it was unvoluntary, XXXX XXXX transactions are done in good faith, and they are private transactions. This was unfavorable to XXXX XXXX, but nothing under adverse action gives NAVY FEDERAL CREDIT UNION the right to deny XXXX XXXX credit. XXXX XXXX credited this transaction as a creditor with his credit card, 15 USC 1602 ( l ), this was a credit transaction from his credit card. NAVY FEDERAL CREDIT UNION has committed a crime, the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. NAVY FEDERAL CREDIT UNION has benefitted from the use of my credit card, but XXXX XXXX has not. NAVY FEDERAL CREDIT UNION ran XXXX XXXXs credit card and received the credit, but XXXX XXXX has no access to nor did XXXX XXXX benefit from the XXXX NAVY FEDERAL CREDIT UNION received. In your adverse action letter, it mentions the Equal Opportunity Credit Act, XXXX XXXX has been discriminated against because XXXX XXXX exercised his right. The right that XXXX XXXX exercised is his right to credit but NAVY FEDERAL CREDIT UNION discriminated against him because of some score that is not backed by law and is a part of a voluntary system that XXXX XXXX has not consented to. XXXX XXXX is writing this letter to attempt to cure this adverse action with reasonable procedures to rectify the transaction and to compensate me for the use of my credit card in the amount that he is requesting of, {$5000.00}. Failure to provide the response requested within 7 calendar days will constitutes as NAVY FEDERAL CREDIT UNION acceptance the offer to compensate me in the amount of {$5000.00}.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ;XX/XX/XXXX XXXX Balance : {$5400.00} ;XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-06-10
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. (TN)

The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

Hello! I need help in removing this collection account from my credit file. If you will investigate I am doing my best to have my credit scores fixed and be in the right path. I am reporting you this account because it is inaccurate and I have no dealings or debt with them. Please help me and have it removed.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On the week of XXXX the XXXX, I called Experian to correct wrong names and addresses that Ive never lived at. 

I was told that they will not remove the incorrect addresses or incorrect names.
Consumer complaint received 2022-02-03
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. (CA)

I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXXXXXX XXXX XXXX XXXXXXXX
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I have a current police report on file dated XX/XX/XXXX with Chex Systems due to being a victim of identity theft. The following inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and XXXX. The following accounts and credit inquiries listed on my XXXX and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (OH)

Please review complaint XXXX. 

Fay Servicing states that I had taken a loan for $ XXXX which is entirely untrue. I would like to know what that loan was for. I believe this is a fraudulent statement and would like the full amount dropped. The statement : " The loan has a current unpaid principal balance in the amount of {$220000.00} and a second principal balance ( balloon loan ) in the amount of {$160000.00}. '' is Ludacris. How could I have gotten a loan for {$390000.00} on a house worth {$240000.00}. I did not ever agree to a {$160000.00} loan, nor did I receive these funds in any bank account I owned. Please re-read the original complaint and help one of your customers get their life back.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called transunion multiple times and they stated all times that they will send my credit report but never have I been waiting for a month and 2 weeks for me to receive via mail.
Consumer complaint received 2022-06-10
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. (TN)

The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 TransUnion 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WA)

On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.
Consumer complaint received 2022-09-15
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. (IL)

Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX