davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

I ordered a garage door online with Lowes on XX/XX/XXXX, which was part of a homeowners insurance claim due storm damage on my home. There were numerous other charges to the account in conjunction with the home repairs, and we believed that the charge had posted, and had been paid with funds from our insurance company. At the end of XX/XX/XXXX, I received a statement in the mail from XXXX with the charge of {$1700.00} for the garage door which was purchased on XX/XX/XXXX. I am attaching proof of the confirmation email when the order was placed on XX/XX/XXXX, and a copy of the credit card statement showing the charge posting on XX/XX/XXXX. I feel it is extremely unfair consumer practice to post a charge to a credit card 9 months after that charge was made. In this case, it caused an even greater hardship on me as the consumer, as this was left out of my homeowners insurance claim due to the late posting and we are now fully responsible for this portion of the claim.
Consumer complaint received 2022-09-24
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. (KY)

I have disputed the inaccurate reportingS with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and Equifax have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (WA)

Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CA)

I am redoing my complaint because the company is referencing incorrect dates on complaint : XXXX which was closed after companys response. 

Here is my original complaint : Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account. 

This company is saying that they received my account on XX/XX/XXXX when per the attached they clearly sent me a letter on XX/XX/XXXX. They contacted me after receiving my letter. They received my letter on XX/XX/XXXX per the USPS tracking, screenshot attached as well, and they did not pick it up until XX/XX/XXXX at XXXX XXXX It is not my problem if they choose to pick up their parcels a week after they receive it. So the controller is claiming that they received my letter XX/XX/XXXX which would have been after the 30 days but they got it on XX/XX/XXXX again per USPS tracking info. On top of that they are stating that they sent me an itemized letter with the original letter. Per attachment they did not. THEY VIOLATED MY RIGHTS AS A CONSUMER PER THE FDCPA!!!! They should not just be able to do that.
Consumer complaint received 2023-03-18
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: CITIBANK, N.A. (TX)

In accordance to the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-09-24
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-24
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. (NJ)

The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

Experian : - XXXX XXXX XXXXXXXX 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 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 2020-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

I notice Helvey and Associate on my credit report for an alleged over draft debt about a checking account. First Inever received a notice to dispute there claim because I owe them nothing. I never applied for any type of credit from them. Secondly, I believe if this alleged debt is mine shouldn't an overdraft charge shouldn't it be con XXXX? I've read many complaints on this company about their shady and harassing tactics. I will also be contacting a consumer lawyer about my rights and how Helvey and Associates never mention I had 30 days to dispute this debt on ANY dunning letter. My consumer rights have been violated.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

AUTO LOAN WAS PAID IN FULL AFTER AN ACCIDENT TOTALLED THE VEHICLE. ALLY FINANCIAL INCORRECTLY STATED WE ORIGINALLY STILL OWED A FINAL PAYMENT ON THE ACCOUNT. WHEN WE HAD ALL THE PAYMENT HISTORY PULLED, IT WAS PROVEN WE DID NOT HAVE ANY REMAINING PAYMENTS DUE. I REACHED OUT TO ALLY FINANCIAL AND WAS ADVISED THE TITLE WOULD BE RELEASED TO THE INSURANCE COMPANY & OUR ACCOUNT STATUS WOULD BE UPDATED. THIS WAS BACK IN XXXX  AND AS OF TODAY, XXXX, ALLY FINANCIAL IS STILL REPORTING TO THE 3 MAJOR CREDIT BUREAUS THAT THE ACCOUNT IS STILL IN DISPUTE AND MY CREDIT REPORT IS STILL REFLECTING I OWE A REMAINING BALANCE. I HAVE ATTEMPTED TO REACH OUT TO ALLY BANK NUMEROUS TIMES OVER THE YEARS AND I GET NO RESOLUTION.
Consumer complaint received 2022-09-22
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. ()

in accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-23
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 a account without my written consent.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Multiple letters have been sent out to XXXX Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I am submitting a complaint because I strongly feel that Synchrony Bank/ Rooms To Go has acted with malice and has violated my  consumer rights. I opened an account with them in XX/XX/XXXX and during the course of our business association, I honored and respected my account agreement to the fullest, never becoming delinquent. 

To my surprise late XX/XX/XXXX, they abruptly closed my account without any merit. This in turn has drastically affected my credit status putting me in a position to pay a higher interest rate etc. On XX/XX/XXXX, I attempted to resolve this matter by phone call and I also followed up with a formal letter dated XX/XX/XXXX asking them to reconsider their action to no avail. Attached you will find the letter that was mailed to them. As of today, XX/XX/XXXX I have not received any positive response from them. 

I was very keen on paying this account on time and NEVER been late not even with a single payment. On all my phone calls to Synchrony Bank I was told that it is impossible to reinstate my account. I was trying to base my complaint in the fact that my account has been in good standing since it was opened. 

I also have a another Synchrony Bank/Care credit account that is in good standing so I really don't understand why the Rooms to go from the same lender was closed. On one of the letters attached they claim that my credit score is XXXX according to XXXX XXXX I called XXXX XXXX and my score is at XXXX
Consumer complaint received 2021-05-28
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. (AL)

XX/XX/XXXX RE : Dispute denied due the merchant submitting fraudulent documentation. Appeal Request and notice of CFPB filing. 

To Whom It May Concern, On XX/XX/XXXX I filed a dispute with Chase Bank for an unauthorized charge of {$1700.00} on the grounds I did not authorize or sign for the charge. At the time of the incident my card wad declined by the card reader, and I instead used my XXXX XXXX debit card to cover the remaining cost. The XXXX card was charged for the same amount the fraudulent Chase charge was for, so I was consequently double charged. On XX/XX/XXXX my dispute was denied according to the Chase representative because the merchant supplied a receipt with my signature on it. The receipt that the merchant submitted was fraudulent and the charge was unauthorized. The merchant XXXX is in XXXX XXXX and I have attached all communications and supporting documentation to show these charges were unauthorized/fraudulent. I have also attached samples of documents I initialed spanning from XXXX to this month. I have never in my life initialed using a lowercase L, and there are also other inaccuracies between the merchant receipt and my own. My wife is a first responder who has sacrificed so much during this pandemic, traveling to XXXX to help fight the spread, and as a result I am taking on two roles. Her friends wanted to celebrate her, so we put in on this celebration in XXXX. Since I was the only person with a major credit card I put the charges on my card, not knowing that it would result in myself being put into a financial hardship due to the fraudulent double charge. I have maintained good standing with Chase, and I had every intention to increase the number of accounts I have with Chase. But this charge is fraudulent and should be removed from my account immediately and permanently. I am formally requesting an appeal and I will be filing a complaint with the CFPB due to this charge being in direct violation. Thank you for your time and help in this matter.
Consumer complaint received 2019-02-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (OK)

I inquired online to see if I qualified for a loan with their company using my car title as collateral, which I did but decided I didn't want risk my car so I never picked up the check to cash it. Now they are calling threatening to do all sorts or unsavory things to me
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

Paypal credit card ( synchrony bank ) reported balances to credit bureaus twice in one month, within a two week period. Balance was reported on XXXX XXXX XXXX for approximately {$56.00} and again on XX/XX/, for approximately {$270.00}. This has affected my credit score. I called when I opened card and was told balances would report when my statement ended on the XXXX  of each month, then it reported on the second day of XXXX. I called back and was told they report all balances on the XXXX  of each month. Then my balance was reported again on XX/XX/XXXX causing my scores to drop even more because I was under the impression that I would have until XX/XX/XXXX to pay cc balance down. The company has not been very helpful or able to clarify which date is reporting date.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

Debt collector saying I owe my old apartment {$1800.00} of rent. Already paid all rent, and I sent Hunter Warfield ( debt collector ) the agreement signed by myself and the property XXXX indicating all rent due has been paid, asked them to supply their own proof of a debt owed and they could not, then they stopped communicating with me and it was reported to the major credit bureaus. This fake debt has negatively affected my credit score
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MO)

Company/card : Chase XXXX XXXX credit card Description : This card was used for balance transfer at a 0 APR until XX/XX/XXXX. The card was charged XXXX dollars annual fee on XX/XX/XXXX. As of that date, I still have {$360.00} XXXX balance. I made {$95.00} payment on XX/XX/XXXX intending to cover the annual fee. On XXXX statement ( closing XX/XX/XXXX ), I was still charged an interest of {$1.00}. The balance subjected to its purchase APR ( 24.49 % ) category was {$73.00}. This portion the most confusing part to me. 

I contacted Chase on XX/XX/XXXX to inquiry what amount I should pay to avoid any future interest. Chase agent informed me I should pay {$50.00} and there will be no additional interest occurring. The agent refused to explain how the {$73.00} high APR balance was calculated, but only saying it was an automatic calculation. The agent refunded the {$1.00} interest. I made {$50.00} payment on XX/XX/XXXX. 

I leave the account for continuing auto-paying minimum amount thereby. 

On XX/XX/XXXX, the XXXX statement came out, I was charged {$1.00} interest. Balances subjected to 24.49 % was {$89.00}. On XX/XX/XXXX, a {$40.00} payment was made. On XX/XX/XXXX I was charged another {$1.00} interest. Balances subjected to 24.49 % was {$87.00}. I contacted Chase for another 30 minutes discussion regarding this issue. Chase refunded me the interests that were charged on XXXX and XXXX. The agent instructed me to pay off the full balance to avoid any interest. The agent said even if I paid off today, I should expect an interest coming on next statement and I can call again to get refund. 

These responses are inconsistent and unprofessional, as no one was dedicated to explain how the balances were calculated under different categories and why my initial payment of XXXX dollars did not go to balances of highest APR in my account. More importantly, no one resolved my issue at the first place as interests are occurring and being charged inevitably, making it like a trap.
Consumer complaint received 2022-09-24
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. (PA)

Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report.
Consumer complaint received 2022-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX