davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NY)

Hard inquiry from TD XXXX XXXX XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX XXXX  XXXX I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.
Consumer complaint received 2022-03-15
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. (PA)

Dear Sir/Madam : I am a victim of identity theft and I completed and submitted an identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 

I disputed this account with as fraudulent with experian and the creditor and they continue to report this charge off on my credit report. They report it back as verified but verifying an account does not prove that it is valid. 


XXXX XXXX Account number XXXX Account type Cell Phone Date opened Indicates the date an account was opened XX/XX/2018 Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

Have disputed with affirm back on XX/XX/24 stating order received wasnt what was ordered. Affirm has done nothing with dispute except send harassing almost daily emails stating I owe them money when on their website it says to not pay during dispute process
Consumer complaint received 2015-05-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Reliant Capital Solutions, LLC (IL)

I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hard inquiry from XXXX XXXX XXXX XXXX did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXX did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from Bank of America- I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.
Consumer complaint received 2021-06-14
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. (GA)

Department of Ed/XXXX XXXX All of the loans they have on my credit report I believe belong to someone else. 

Please provide ORIGINAL documentation or remove them from my credit report immediately. I have no recollection of these loans and also how is a loan on-time in payments then all of a sudden 120 days late. Impossible, proper notice should have been given before notifying an individual of something being 120 days late. 

This is ridiculous, please assist. 

Thank you.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

Hello, I trust this communication finds you well. I have been attempting to establish contact with your TDRCS/XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

In XX/XX/2017, I had an unauthorized transaction put on a Citi credit card that I had not been using for a long time ( and so, had not been checking statements as I knew I hadn't used the card -- -the card had {$0.00} balance prior to this transaction ). I only found about this transaction when I checked my Credit score and saw that it had dropped 100 points ( previously was in the 820s, dropped down to 720 or so ). Upon checking my credit reports, there was a 60-day past due mark associated with this account for XX/XX/2017. I contacted Citi -- -who offered to refund the associated late fees and also to help me fix the credit report -- -- because there was an understanding that this all related back to an unauthorized transaction on my account. They said that if I could get the merchant to reverse the charge -- -as proof that it was an unauthorized charge -- -- that they'd refund the late fees and also help me get the credit report fixed.

I got the transaction reversed, and Citi subsequently removed the late fees -- -- but the delinquent mark on my credit report still sat there for months.

Recently, I wrote a credit bureau dispute directly to Citi 's Dispute department and provided all of the necessary detail needed for them to work with the bureaus to fix my credit report. However, their team wrote back to me with a letter stating " our records show that the information on your credit report is correct '' -- -- in spite of the fact that multiple service reps that I talked to agreed that I shouldn't have a delinquent status over an unauthorized transaction that went unnoticed on my part ( again, the card was not being used for months, so it took a while to even see the transaction ).

I am looking for the CFPB 's help to intervene on my behalf with Citi so that they can take the corrective action -- -- which is within their means -- -- to work with the bureaus to get rid of the bad mark on my credit reports.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2022-03-15
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. (GA)

In accordence with the Fair Credit Reporting Act : XXXX 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 a account without my written instructions.
Consumer complaint received 2022-03-15
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: Mercedes Benz Financial Services (PA)

I have made sure to make my payments on time for MERCEDES BENZ FINANCIA XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.
Consumer complaint received 2022-03-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I ask for a payoff quote I signed a shared Modifications in XXXX no in XXXX is another company and they are sayings I was not eligible for the modifications never received a letter saying I was in default they even wrote the debt off in XXXX it was ocwen now they are saying That I was late for month but one payment want to the principal and 10 years later now I was never elegible, but not one letter was sent to me, and that now is principle non interest, that not on the modifications, and why Im I still making dosificacin payment, please all this is not right,
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the CFBP describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, Experian, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (RI)

In XXXX of XXXX I was unable to pay my morgage due to an injury. I was in contact with the morgage company and they were aware of the situation. Imailed a payment to them XXXX/XXXX/XXXX for {$4500.00} which caught my morgage up to date. The check was cashed on XXXX/XXXX/XXXX. At the end of XXXX I received a letter from XXXX XXXX stating that PNC was forclosing on my house. I tried to contact them to report that my morgage was caught up but they would only send me the payment to remove my house from forclosure. The first week of XXXX I received a check from PNC bank for the {$4500.00} I sent them in XXXX and they also returned my check for XXXX 's morgage payment. I called the law firm and reported that I had all of the money except the {$3900.00} for future payment and asked what that was. They only replyed that I had to have this amount in full by XXXX XXXX, XXXX. There was an auction scheduled for my house for XXXX XXXX, XXXX. I hired XXXX XXXX to represent me a week before the auction was scheduled. We have been in litigation for 3 years. We were in mediation but the lawyer from PNC reported to the mediator that they never cashed my check and issued me a refund with their own check. They astated that they only returned my check to me. I had to go to my bank and pay for them to researce and find the check that was deposited. Due to all cases being dismissed I am currently receiving eviction notices and an '' investigator " is coming to my house harassing my children. I have a son who is a XXXX and have spent thousands of dollars renovating this house to be XXXX. They filed paperwork in XXXX of XXXX reporting that they foreclosed in XXXX of XXXX.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Over the past 2 years, my bank account has been heavily affected by fraudulent activity. Last XXXX, ( 2023 ) my fiance found a lawyer who claimed that he could help us to get our money back. XXXX spoke to him on the phone ( I think ) and he requested us to pay him through Venmo. Later, we realized that this was a scam, after we sent him several transactions of payments, and we did not hear from him. I have tried working through Venmo, but they have been no help in getting me anything back. 
The following are the ( posted ) dates and the amounts : XX/XX/year> : {$700.00} XX/XX/year> : {$700.00} XX/XX/year> : {$700.00} XX/XX/year> : {$350.00} XX/XX/year> : {$350.00} Besides this, my Venmo account was actually not affected by the other frauds on my bank account. However, I really need this money back, as I am still having financial difficulty de to fraud. Thank you.
Consumer complaint received 2022-03-15
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. (WI)

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 XXXX 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 XXXX 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
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, US DEPT ED 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 2023-08-22
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. (FL)

TransUnion Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report
Consumer complaint received 2023-05-19
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. (MI)

Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Balance of XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Balance XXXX Account # XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

My credit report has inaccurate information including a report from XXXX XXXX XXXX  XXXX company that is inaccurate. Also XXXX gives me no rating on my credit and this reflects negatively upon me making it difficult for me to get credit.
Consumer complaint received 2017-09-08
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. (CA)

Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.
Consumer complaint received 2022-10-24
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, ONEMAIN Account number : XXXX, XXXX XXXX & XXXX Account 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 a account without my written instructions.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (OK)

I have been trying to cancel my monthly subscription to Experian credit monitoring services. They charge XXXX per month on a reoccurring billing cycle. I have called 5 days in a row and get nothing but music and long hold times. in five days I have spent 7 hours 52 minutes and have never spoken to anyone. Meanwhile, I will just keep getting billed because there is no other way to cancel. 

It 's disappointing that this is allowed to take place but companies at all.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX