davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (KY)

I WAS CHARGED ON MY MASTER CARD ON XX/XX/10 FROM A XXXX XXXX XXXX FOR XXXX I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER DID BUSINESS WITH THIS SAID COMPANY OR NEVER AUTHORIZED THIS CHARGE AND I HAVE NO IDEA WHERE THEY GOT MY CREDIT CARD INFOMATION FROM. I CALLED MASTER CARD AND REPORTED FRAUD ON THIS CHARGE AND THEY NEVER DID ANYTHING FOR ME, I RECENTLY CALLED IN AGAIN AND MASTER CARD IS NOW TELLING ME THAT THEY CANT HELP ME BECAUSE THE CHARGE IS TOO OLD NOW. I TOLD THEM THAT I REPORTED THIS BACK WHEN I SAW THIS CHARGE ON MY STATEMENTS AND THEY DID NOTHING. I AM NOW FILING WITH YOU IN HOPES FOR YOUR HELP. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME, I CANT AFFORD TO HAVE MONEY TAKEN FROM ME WITHOUT MY CONSENT. PLEASE HELP ME GET MY MONEY BACK. MASTER CARD SHOULD BACK THERE CLIENTS NO MATTER WHAT AND THE REP I SPOKE WITH WAS SO MEAN AN NASTY TO ME WHEN I CALLED SHE WAS SAYING MY AGE MAY HAVE ME FORGOT WHAT I CHARGED TO MY ACCOUNT. SO NOT NICE.
Consumer complaint received 2018-09-10
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. (NY)

I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Consumer complaint received 2023-03-18
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. (CA)

I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from XXXX XXXX XXXX a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, XXXX XXXX XXXX reported multiple late payments to the credit bureaus, which had a negative impact on my credit score. 

Furthermore, even after I had paid off the entire loan, XXXX XXXX XXXX did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future. 

I have attempted to rectify this situation by contacting XXXX XXXX XXXX XXXX XXXX, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that XXXX XXXX XXXX ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (NY)

When I went to the car dealership XXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NY)

Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Consumer complaint received 2018-09-10
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. (SC)

I checked my transunion report and found multiple hard inquiries that I did not authorize and are hurting my credit score. These are the hard inquiries. 
XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP (IL)

I had what Associated Bank refers to as a Credit Builder account. Which was essentially a CD I paid monthly that they reported as a secured loan on my credit report. This account was opened in XX/XX/XXXX with a term of 24 months. 

In XX/XX/XXXX I made an early final payment in the amount of {$340.00}, which paid off the account six months early. As of today, XX/XX/XXXX, Associated Bank continues to report this account 's current status as 30-days past due on my XXXX  and TransUnion credit reports. After disputing this with the bank, they advised that that payment for XX/XX/XXXX was late ( also in dispute ). Regardless if XXXX 's payment was 30-days late, my pre-payment for the remaining balance immediately brought the account current. Which is why the account is now closed. It has been reported as " currently past due '' for over three months now. Please note for clarification that I am not referring to the tradeline 's monthly payment history. I am referring to the " Current payment status '' of the account on both above mentioned reports which should reflect it's current status. 

I have attached three files to support this complaint : 1. Screen shot of this account on my XXXX  report ( file labeled respectively ).

2. Screen shot of this account on my TransUnion report ( file labeled respectively ).

3. Copy of email from Associated Bank confirming final payment ( file labeled respectively. Note that date the email was sent ).
Consumer complaint received 2018-08-23
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. (NC)

I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, Transunion and XXXX refuses to remove the inquiries.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (VA)

There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP  trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have a loan with WELLS FARGO late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Consumer complaint received 2022-07-10
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. (NY)

When I went to the car dealership cXXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries 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 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 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (WY)

Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank ( XXXX  decider ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IA)

My social security number was used to open up XXXX accounts. XXXX was for XXXX XXXX and XXXX was for XXXX in Michigan. I have lived in XXXX  my whole life and so the address that is on my credit file for XXXX  is not accurate. I believe both debts are being handled by Convergent but I am not 100 % sure as it is all confusing to me. I had contacted them and they told me to email them the proof that I have never lived there and that the debt is not mine and so I emailed them bills and check stubs that show I never lived at that address and they confirmed that my identity had been stolen. I contacted XXXX who disputed it with them however they are saying the debt is accurate when it is not. Not sure how where to go from here as I am only XXXX and am unfamiliar with how this process is supposed to work
Consumer complaint received 2022-07-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act Account XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/2019, I called Capital One as I had read their Hardship page & how they assist their customers that need help. As my XXXX case is in the US District Court after 7 years of waiting I need help. Today, I have talked to 22 representatives & most told me to call back next month when I'm delinquent. I've been transferred many times & been yelled at when transferred to a wrong department. I've also been screamed at. I talked to one person that actually tried to help me. He put me on hold to find out how my interest rate could be lowered & to what. His supervisor came on & voided his actions. I got a letter in the mail saying I was being put on their Specialty Assistance Program. My last 3 past due fees are going to be waived but I've never been past due. Nothing else was offered. I canceled my card personally. Today, I was told to call a third party credit counseling business & they would work with Capital One on my behalf. I'd tried that before & the company wanted over {$4000.00} to talk to 3 credit card companies for 1/2 hour on my behalf. Capital One 's Hardship Department is a farce.
Consumer complaint received 2022-02-15
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: BARCLAYS BANK DELAWARE (MO)

Barclay card is not refunding the Ernest money I used to purchase a vehicle. I used the card XX/XX/2022 waited till the car company had refunded the money. Then added 3 or more business days before contacting barclay. The acted as though they ne er received the refund, so I contacted XXXX the auto dealer again the reissued the refund that day. I called back and still the same we don't have it you will need to wait 15 days to file a complaint which has conveniently put the date ( of the first transaction ) past my billing due date. They have not been any sort of helpful and it seems they are trying to ensure they get the interest money before submitting the refund.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a court order account that I submitted the paperwork from the judge to release the hold. Im being ignored and transferred from department to department. Its been over a week and my account it still unblocked. I been told that we dont have these accounts often so they dont know what to do and I need to wait. No details on what Im waiting for and how long.
Consumer complaint received 2022-07-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Family income changed during the pandemic due to job losses and wasnt able to afford vehicle payments. Before this happened payments were on time.I informed credit acceptance I can not afford vehicle due to this. They refused to let me relinquish it. It took over a year for them to finally repossess it., sold the vehicle and now are attempting to sue me for the remaining balance. I denied this due to me informing them I can not afford. I wasnt the only person that suffered during the pandemic. They are during for XXXX they also offered an settlement amount of XXXX by XX/XX/XXXX but proceeded to serve me papers for court.the documents I was served says I failed to object to the amount owed which is false. They are attempting to push me into a debt I can not afford. I wasnt the only person affected by the pandemic.
Consumer complaint received 2020-12-16
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)

I have disputed a XXXX XXXX account reporting on my Equifax and XXXX  reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX DBA XXXX XXXX XXXX Account XXXX ( 2- Paid Accounts ) DBA XXXX XXXX XXXX Account XXXX I recently reviewed my report, and I have endeavored to settle this matter with you. 

Both of these accounts are on my report as collections ... these are a grave errors and is against F.C.R.A. law, and litigation will follow if it isn't corrected ... there are no contracts for these accounts, I settled these accounts with the original creditors, so collection agencies have no valid claim, and can not validate these false and erroneous debt claims, because they were settled a long time ago ... I have contacted the original creditors and collection agencies, and was informed that they did not verify these accounts, and that you should remove them ...
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I hire privacy guard to find out why I ' m having credit issues and they send me notice that a Company call ( Convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) register agent call XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never hair from them before but privacy guard send me notice they are posting derogatory information about me at will without any notice or explanation.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TN)

Dear CFPB, I have mailed a dispute to credit bureaus about this inaccuracies on my credit report, but I have not received any response. I really need help to address this concern for this has been causing me financial damages. Thank you. 

AMERICAN EXPRESS XXXX
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I made a balance transfer FROM Target TO XXXX XXXX. 
I am already paying on the balance transfered from Target however, Target is pretending they never got the payment. 

The balance was transfered and completed on XX/XX/XXXX. Target TOOK payment in the amout of {$3400.00}, which was my balance at the time. I called them before the balance transfer took place and after. They " can not find '' the payment and still are carrying on as if I owe them money. 

Please see the details below of the transfer. 

XX/XX/XXXX XX/XX/XXXX ELECTRONIC BALANCE TRANSFER XXXX # XXXX {$3400.00}
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has made to derogatory reporting on my report. I called to try and resolve the issue when I was told this I from accounts in XXXX. The account was recently purchased by XXXX XXXX and was reported on XX/XX/XXXX and XX/XX/XXXX as derogatory. I was told the original account was with XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.