davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

XXXX, EQUIFAX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. XXXX, EQUIFAX AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.
Consumer complaint received 2022-08-02
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. (VA)

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-09-03
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: U.S. BANCORP (FL)

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX US Bancorp XX/XX/XXXX 2019
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (HI)

I complained of a {$650.00} fraud on my AMEX over a former friend using my card to pay some professional registration fee. This complaint was denied multiple times, I escalated the complaint to fraud and AMEX voided my card then never sent me a new car ( although they swear they did ). 
I wasted dozens of hours on their website messenger and speaking to customer service. I've been called back at XXXX and the insulted when complaining because 'AMEX is a global company ' yet nothing has been addressed with my complaint that they gave me multiple promises to recalculate the statement but refuse to follow through. 

I'm tired of being sent threats by txt and email to report my 'failure for payment ' to the credit bureaus... 

Yet XX/XX/2022 a 'supervisor ' acknowledged there was a miscalculation and promised to have the adjustments addressed. This has yet to happen. 

Some AMEX representatives hang up on me, some pass me managers who are unhelpful. Some want to help but tell me conclusions inconsistent with prior conversations. Al of them want me to explain the sam3e story again and again and again. 

I was on auto payments for years covering the monthly expenses to a personal account. I still have no idea why AMEX will not just recalculate and explain how, based on their provided statements, a fictitious {$650.00} just reemerges on my account... 

And that is why IU will never do business with AMEX again. Perhaps the CFPB can hold them accountable, because I need a clear itemization before I believe I owe anything else to this company that clearly doe not value my years of loyal buissness.
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (NC)

I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NC)

I was charged a payment protection fee by XXXX for the past 8 years ( XX/XX/XXXX ) totalling over {$1700.00}. This is a feature we never signed up for, needed, or even wanted. We have had auto payment on this account and not used it for 3 years, but due to the fees the balance has gone up considerably. I contacted discover XXXX XX/XX/XXXX, to find out what the fee was for and cancelled it. I asked to be mailed any documentation showing we signed up for this, but was told they don't have anything. They did cancel the service, but we still have to pay the old fees. After a quick XXXX search I found several people discussing the same problem and settlement in XX/XX/XXXX for this very same issue.
Consumer complaint received 2022-07-29
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. (AZ)

To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CO)

i appliled for a credit card 6 weeks ago to start building up credit never got the card called my bank and they said they never sent out a accpiltion for me to sighn up for one they said it sounds like fraud it apread it was from my bank but it wasnt
Consumer complaint received 2018-11-09
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: JPMORGAN CHASE & CO. (MD)

I made the following purchase in XXXX using my Chase Visa credit card : Merchant : XXXX XXXX, XXXX, XXXX   Purchase date : XX/XX/2018 Purchase Amount : Rs XXXX Equivalent USD Amount : {$7500.00} ( based on the exchange rate on the purchase date ) Actual amount shown in my Chase card statement : {$7800.00} Dispute Amount : {$350.00} ( the amount charged in excess ) I opened a dispute with chase on XX/XX/18 case number : XXXX. Chase credited my account for the disputed amount, collected the proof from the merchant for the transaction and determined that the charge is valid on XX/XX/18 and charged my account again. I re-opened the dispute on XX/XX/18 case number XXXX, as I thought they didn't understand that I was disputing the conversion rate and that I was not disputing that the purchase didn't occur. Chase reviewed the case and once again determined that the charge is valid ( without even discussing with me what I was disputing ). 

I have attached a proof of International charge alert received from Chase showing the correct dollar amount. I believe Chase has the responsibility to ensure that merchants charged their cardholders correct dollar amount for foreign currency purchases.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

My loans were initially with American Education services. The loans defaulted back in XXXX of XXXX which changed the lender from American education services to pheea. I had reached out to both lenders to resolve my status to good standing to change the late payment status that is being reported to the credit bureaus. Both Pheea and AES are saying that the other company is reporting to the credit bureaus. I had filed a dispute with aes and they verified that the information on my account is accurate. The balance on my credit shows a XXXX balance but yet I have a late payment status reporting for each month. Neither company is taking responsibility, and no one can change the status because pheea had mentioned that the loans status will switch back to aes after the loan forgiveness bill is passed by the Biden administration. so, they advised me to wait until then. I do not believe that the loans should still appear on my credit anymore since the loans were from XXXX and XXXX. I would like the loans removed from my credit history.
Consumer complaint received 2021-06-25
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)

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with XXXX, Equifax and XXXX, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe Equifax listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have been scammed by CitiBank. Without my authorization, Citibank has approved ACH transaction of {$10000.00} to pay for a stranger 's utility bills to service providers such as XXXX ( electrical bills ) XXXX ( Mobile phone service ) and XXXX XXXX XXXX service. The money was drawn from my checking account without my authorization. 
Citibank has violated SEC rules and regulations. They have authorized the fund transfers based on a telephone call from a stranger imposter. They have neglected to exercise due diligence. They have refused to reimburse me for the unauthorized fund transaction.
Consumer complaint received 2022-10-25
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 CONSUMER SOLUTION XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 
And LCI Consumer I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report LCI Consumer as they have stole my information to sell to you as it was never verify or validated directly from the court Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to grant my request. XXXX has reported 60 days late in XX/XX/XXXX to Experian and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Consumer complaint received 2022-10-08
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: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, we made a deposit of {$1000.00} on our Chase credit card for a hut tub based on incomplete information provided by the salesman. He told us that it might be delayed but that a form we signed didn't really apply as the hot tub was in their showroom. We prepared the site and had electrical work done. 

We were told it was to be delivered and it was not. Finally, in XX/XX/XXXX we said we wanted a date certain or a refund. We were offered various concessions which we declined. We were then offered a full refund of $ XXXX SEE ATTACHED Exhibits L 1-3 ( as we paid other monies on another card ). The other bank is working to get us a refund. 

In part per Exhibits L, we were told that " We understand if these terms aren't acceptable we will gladly refund your deposit and allow you to cancel your hot tub order. '' Also, " It will be the full amount you paid and will be handled Monday. If it was on credit card it will be refunded to the same card. '' To this day, we have no tub and no refund. Despite this, Chase claims the charge was valid! SEE ATTACHED letter of XX/XX/XXXX.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (GA)

I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have 8 unauthorized hard inquiries on Equifax. I called multiple times and they havent been removed. The credit bureaus are corrupt. XXXX  and XXXX  have removed the inquiries in a timely manner.
Consumer complaint received 2017-11-07
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. (OH)

My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.
Consumer complaint received 2017-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (VA)

In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Creditrepair.com, Inc. (NJ)

I hired credit repair.com in XXXX XXXX but I disputed items prior to hiring them and disputed the following item XXXX XXXX credit card, XXXX, and XXXX XXXX XXXX XXXX XXXX All the above sent me letters of confirmation that it will be removed. It was updated and removed also XXXX XXXX and XXXX XXXX XXXX but credit repair saying they did it and they lied to me
Consumer complaint received 2020-08-07
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: CORELOGIC INC (CA)

In response to an unauthorized inquiry on my credit report under my social security number with XXXX, a division of CoreLogic, namely " XXXX   XXXX  XXXX  '' has failed to provide information authorizing them to conduct an inquiry without my authorization. When they failed to provide evidence of me authorizing them to run an inquiry on my credit report, I filed a complaint with CFPB, in response to that complaint ( XXXX ) they provided inaccurate information with no proof of authorization allowing them to run an inquiry on my credit report. Subsequently, I filed a second complained ( XXXX ) which they responded once again with insufficient information in order to correct their initial response and indicating the final response was mailed to me on XX/XX/2020, which they also recanted via voice mail to be ignored as it was an incorrect response. In conclusion, I have not yet received sufficient information and documents bearing my signature authorizing them to conduct an inquiry into my credit report with XXXX  and in their response letter the blame their client " XXXX XXXX XXXX '' for ordering this inquiry and they are referring me to a third party which I am not involved with or have knowledge of. 
XXXX XXXX XXXX, a division of CoreLogic is the information provider and obligated to provide me proof even though they may have been hired by their clients.
Consumer complaint received 2020-08-07
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. (TX)

Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy
Consumer complaint received 2022-08-02
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)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$8700.00}