davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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)

I am not the person to always check their credit but I just check my credit through XXXX XXXX website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (WI)

On XX/XX/XXXX, Equifax reported XXXX XXXX XXXX date of first delinquency was XX/XX/XXXX. XXXX  reported on XX/XX/XXXX that XXXX XXXX XXXX will continue on record until XX/XX/XXXX. Then, on XX/XX/XXXX, XXXX shows XXXX  reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple of years. There has not been any changes. I've even sent a copy of XXXX  deletion of XXXX XXXX XXXX. Equifax still verified everything reported was correct.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX as I was depositing money into my checking account I noticed that my account funds were far lower than I expected. I immediately reported to the bank that there were funds missing from my account. A bank representative reviewed my account with me and we identified charges which I did not make on my debit card. 

The bank said they were cancelling the card, effective immediately, and issued me a new card. ( More fraudulent charges appeared on the account between XX/XX/XXXX and XXXX which amounted to {$960.00} ) I sat down with XXXX Bank assistant Manager on XX/XX/XXXX and together we filed an online fraud report with the home office which included the fraudulent charges dating back to XX/XX/XXXX. On XX/XX/XXXX I received three letters from the bank office denying fraudulent activity on the card. 

I filed a police report with the XXXX County Police Fraud Department with Officer XXXX, ID # XXXX, Case # XXXX on XXXX. 
I notified the FTC and filed an Identity Theft Report. 

I mailed a third request to the bank with copies of my statements and was again denied. 

I understand that the bank is responsible for all charges dating back 60 days from the date they were notified of the fraud minus XXXX. The Bank has denied any responsibility at all. If this information is correct, I should be reimbursed at least {$9900.00} minus the XXXX. This amount represents the total fraudulent charges made to my account during those 60 days. In addition, I should be reimbursed for the additional {$960.00} of charges made after the debit number was cancelled at the branch. 


Your attention to this is greatly appreciated. 
Thank you. 



XXXX XXXX
Consumer complaint received 2022-06-21
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. (OH)

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2021-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (OH)

On or about XX/XX/2021 I applied for an received approval of a leasing agreement with American First Finance. On or about XX/XX/2021 I cancelled the account because the merchant was unable to fulfill my order within the agreement terms of my leasing contract. 
I spoke with an agent at American First Finance who was kind enough to assist me in closing our my account with American First Finance and I was refunded my down payment.

A few days ago, I was checking my credit in readiness to purchase a home and saw that on XXXX  credit report American First Finance is reporting that I have an open Auto Loan with them with an open balance of {$2500.00}, which is incorrect. 
On XX/XX/2021, I contacted XXXX XXXX XXXX and spoke to someone by the name of XXXX who said that American First Finance can not and will not correct the information being reported because according to his record, my account is still open. I asked him about the " auto loan '' and told him that also was incorrect and he said that's how they report all their accounts. 
I find this information to be highly annoying and incorrect at the least as it's giving wrong information to my current and prospective creditors and I want this information removed from my credit report immediately. 
This incorrect information is negatively impacting my credit score as it increases my income to debt ratio and it showing that I have an open auto loan with American First Finance, which also is incorrect.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased tickets through XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. Unfortunately, due to COVID-19 the events were later cancelled. XXXX XXXX XXXX refunded my account with TD that I used to purchase tickets but, that account had been previously closed. XXXX XXXX has sent multiple emails showing that the money was refunded to TD Bank. I've reached out to TD  and they have stated that they do not have the money. At this point I have become very frustrated because TD has not been helpful and I would like clarity on the situation.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

My complaint is against the company Coinbase. They have a referral program that promises a certain reward for referring customers to their services. In order to achieve such, you must either send an email or give a personalized link to the referred party and after they purchase or trade {$100.00} worth of XXXX and validate the account they reward you with the promised amount of XXXX. I completed this process with my mother who was interested in crypto at the time. I set her up with the referral link and helped her purchase {$100.00} worth of XXXX. The promised reward was meant to be deposited after a max of 4 business days. Today is many months ( about 3 or 4 ) after we purchased her crypto and I have still not received, nor been confirmed to receive my reward. I have contacted Coinbase on this issue and they responded as follows. " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. '' My feeling is that their automated process is not functioning properly as I have followed all guidelines. It is not sufficient to deny me these funds because of an issue with their automated systems. They have assured me they will not help me receive said funds. I have provided them with my mothers very personal information including social security number and photocopy of her drivers license under the promise of compensation, and we were denied such. I feel this is fraudulent and they have stolen said the personal information for their own financial gain. Thank you very much for hearing me out and considering my complaint. I hope this does not occur for others as personal information is becoming ever more sought after and important. Please prevent them from doing this from others. I have attached a photo showing that I have never received compensation for my referral and the email which they responded to me with when I asked about said compensation.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I have had a complaint with Capitol One for 4 months. I submitted the complaint on the CFPB website on XX/XX/2021 ( Complaint ID : XXXX ) on XX/XX/2021 Capitol One responded with a letter detailing the issue and the resolution which was to credit me {$95.00} via check mailed within 15 days of issue. I have since spoken at least 20 times with Customer Service trying to find when the check will be mailed. Every time they stated for me to keep waiting a couple more weeks. I waited XXXX and a half months until I called again and was told they can not send me the check. I have attached the letter and would like to reopen my complaint on Capitol One for not completing what they said they would do on the letter sent to CFPB as a resolution for Complaint XXXX. 

Thank You for your help XXXX XXXX
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

I became a victim of fraud when someone without my authorization took 9 trasactions of {$500.00} each via XXXX through my Provident Bank NJ Checking account on XX/XX/20 and on XX/XX/20. On XX/XX/20, I reported the the unauthorized transactions to Provident Bank and they immediately put a hold on my account. Since then I've been trying to get this resolved and money credited back to my account with Provident Bank 's fraud department but they keep stating that they are waiting for a response from XXXX and from their legal department. My business was with Provident Bank and not XXXX. I have rights and protection under the Electronic Funds Transfer Act yet Provident Bank NJ has not attempted to provide any type of resolution for my account being hacked via their XXXX service. 
It has been over 6 months and I am still out {$4500.00} dollars that I was saving for my maternity leave. I am now on my maternity leave with a newborn child and am finding it difficult to maintain my finances without any income and was counting on my savings to get me through. I have a copy of the fraudulent transactions as well as the Affidavit of Forgery/Unauthorized Transactions I filed/signed with the Provident Bank NJ directly. 
Provident Bank 's Fraud department # is XXXX and XXXX.
Consumer complaint received 2021-06-29
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. (TN)

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

Toyota Motor Credit has updated an old loan account as Charged-Off in the amount of {$14000.00} when this account was included and Discharged in Bankruptcy. I disputed this on XXXX, and it was verified by Toyota, and they will not update it accordingly. Marking my account as charged-off is a violation of the Bankruptcy Proceeding. I filed for bankruptcy on XX/XX/XXXX and was discharged XX/XX/XXXX when Toyota took it out of Included in Bankruptcy and marked it Charged-Off. Attached are reporting before bankruptcy and now the most recent.
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original creditor XXXX XXXX  ) Account # 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 a account without my written instructions
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (CA)

Obtained a Self XXXX XXXX account, which allowed me to open a credit card using the money accumulated from the credit builder account. I fell on hard financial times in XX/XX/XXXX and no payments were made so the company closed the credit card for no payment for 80 days. I made one last payment in an attempt to not have the card closed because I had it for 2 years but I was to late and so a previous balance has been held from a prior credit-builder account that was used to pay off the remaining balance. The maturity date for the credit builder account was XX/XX/XXXX, I made all those payments and received an email stating that I would receive XXXX minus fees but the problem is that I was already charged for those fees through their billing process and the credit card was paid in full based off the statements from Self. I was double-charged in the amount of XXXX, and I received {$440.00}, In my attempt to resolve this matter, I experienced unprofessional services and received two phone calls at XXXX in the XXXX XXXX standard time from representatives at Self. An email from a supervisor that shows the breakdown of charges reflected the doubled billing of interest, late fees, and return item fees but I have the billing where I paid all those charges within each billing cycle that I may have been late with. Self also continues to provide a statement to the credit card account even though the account is closed ( XX/XX/XXXX ). I haven't been able to resolve this issue because Self believes that the withholding is correct but the billing statements show that I already paid these fees and I am not willing to accept a {$50.00} gift from XXXX. In attachment shows when and where I paid when I was late with my payments, I don't understand how at the end of term all these fees come back. I also paid for an expedited payout at the end of the term ( XXXX maturity ) and payment wasn't processed until two days before the initial close date so I don't see how that was expedited payout.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KY)

The company BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX has given me mixed answers and refused to drop off an additional PMI monthly fee ( {$33.00} ) for my mortgage that is paid beyond the 20 % of principle balance thresh hold. When I signed the original contract for this loan, it was explained to me verbally by the loan officer that I would only have to pay this ( roughly {$40.00} PMI ) for about 2 months, seeing as I gave a down payment of 19.5 % of the principle- then it would " drop off ''. My loan was transferred ( sold from my first company to a new one ) and now I am being told a completely different story from my new servicers BSI Financial Services. From XXXX to XX/XX/2020 I've had over 12+ phone calls with them explaining that I had the right to request it be dropped. I was passed around to different agents, told to send something in writing ( a process that took them over a month to get follow up with me after ) then I was finally told that they have the right to wait until it was at the point of being forced to drop off. On XX/XX/2020 I sent a request in writing and was denied and told I would have to continue to make this payment for at least 2 years to protect their loan. Since this first request I have submitted half a dozen others and been charged hundreds of dollars despite never missing a payment and having paid within what I believe is the national thresh hold of 20 % of principle therefore reducing any risk they would carry. I am requesting additional assistance as after speaking with my loan officer and others in the lending business, I am being told that this situation sounds strange, the additional fee should be dropped, and that they may be charging me beyond what they should. Thank you for your help! I appreciate it.
Consumer complaint received 2022-07-15
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. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.