davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/XXXX, I opened an account with Care Credit. After using it the first time, I made arrangements for autopayments. I was advised in an email that I would receive monthly statements. No monthly statement was ever sent, either to my email address at the time ( XXXX ) or my current email address ( XXXX ). Oddly enough, I have always received solicitations to use the card or otherwise increase the balance. Because I naively assumed that making the payments in good faith and in reliance upon their promise to send monthly statements, I was unaware that my promotional offer had ended and interest would be retroactively charged. When queried, I was advised by their consumer representative that that information was on the statements. This is a scam. They don't live up to their end of the bargain, assuming people will forget about the change in terms when they don't get a monthly statement, and then be socked unwittingly with ridiculous interest charges. I objected and continue to object to the interest charges. I paid the remaining balance of the principal ( {$1100.00} ) on XX/XX/XXXX and advised Synchrony Bank ( the issuer ) that I will make no further payments pending resolution of this matter and their unfair consumer finance practices.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-07-11
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. (NJ)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-09-08
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. (GA)

I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.
Consumer complaint received 2015-04-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (LA)

Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015
Consumer complaint received 2022-03-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NY)

I have paid off my vehicle but I have received a letter stating they are going to repossess my car BUT it shows the amount due is {$0.00}. Furthermore, I called numerous times and the " executive office '' agreed nothing was owed. They called back and I agreed to just settle this to stop the harassment. They stated they would wipe out {$490.00} leaving me with around {$600.00} I was willing to pay to end all of this nonsense. I called back to confirm amount owed and they never took off the {$490.00}, stating I owe over {$1100.00}. Furthermore, even though they claimed to have the ability, they refused to pull the call that the rep ( with more seniority than a manager apparently - XXXX XXXX XXXX ) advised me my principal is {$0.00}, they have the letter showing the amount due is {$0.00} and they will wipe out {$490.00}. This extortion is unacceptable.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (LA)

On XX/XX/2022, my house was completely destroyed by fire. My insurance company sent me XXXX checks totally {$350000.00} to cover the loss. However, as is common practice, both my name and the name of the mortgage company, " Cardinal Financial '' were listed on the checks. Per their instructions which appear on their website, I endorsed both checks and overnighted same to them with a letter requesting that they endorse the checks and use some of the funds ( roughly {$140000.00} ) to pay-off the mortgage. Per their documentation from their website, I included a voided check for them to return the balance of my insurance monies ( about {$240000.00} ) by ACH to my checking out. After not receiving any funds from them after the mortgage had been paid off for a week I contacted them and was told that my money was placed in a now defunct escrow account, and per their policy, they would hold the funds there for 15 days before " mailing '' them by regular mail to me. I told them that checks are often stolen from mailboxes in my neighborhood so that was not the best option. When asked why they would continue to hold my money for 15 days AFTER the mortgage has been paid off ( which is a total of 24 days ), the only answer I was given is that " it is their policy ''. This has got to be against the law. What right do they have to keep my money from me for any length of time that they choose? I believe they are holding my money for the purpose of collecting interest on it, as I can not see any other reason for them to hold my money from me. Then, in contradiction to their own documentation, they are telling me that they MUST return the funds to me via regular mail. Which of course, will take an addition 7 days for me to receive, that is, if no one steals it out of the mailbox. These big companies should not be allowed to XXXX XXXX with other people 's money. I have included their documentation explaining their Loss Draft Process which says NOTHING about them holding my money for 15 days, and that my funds can be returned via ACH.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

I have submitted multiple certified letters with documentation showing that a public record on my credit report should not be on my credit reports. Additionally, I sent letters to the 3rd party company that the credit bureaus state they verified the information with, and the 3rd party company - XXXX- sent me a letter stating that the bankruptcy information listed on my credit reports is unverifiable and has been deleted. The 3 major credit bureaus refuse to delete this bogus information from my credit reports even after sending them the proof stating it should not be there.
Consumer complaint received 2023-02-22
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-07-15
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: Experian Information Solutions Inc. (NV)

I pulled my credit and noticed several inquries that are wrong and many I never did or recognize MOST ARE AUTO Companies i never applied for XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed or omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On or about XX/XX/2021, I wrote a letter to Experian, XXXX and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at Experian, XXXX and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK (AZ)

Turned off overdraft payments. Company says I opted out of overdraft but not out of overdraft on automatic payments! 

Charged be XXXX overdraft on XXXX cent automatic payment for XXXX cloud. 

they MAY reverse it. Haven't yet.

That said, how can the CPFB let them charge a XXXX percent interest rate on a 1 day loan in this instance. How is this NOT usury. I'd love to hear this. 

they also charged me a XXXX overdraft fee on a large auto payment, of XXXX which they should have rejected. 

I'll get it reversed one way or another. But for me, they're taking advantage of the poor and people that can't fight this like I will. I feel bad for people who are scraping by, and have banks take advantage of them like this!!
Consumer complaint received 2017-09-08
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. (TX)

I was one of the 150,000,000 people affected by the Equifax hack and have to say I am absolutely livid that my information was not handled with the utmost discretion. Whoever decided it would be a good idea to skimp on cyber security deserves AT THE VERY LEAST to lose their job and be blacklisted from the industry for the rest of their life. Prison would be preferable. I want to see heads roll.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

I can not access my TD credit card account online and every time I call I am put on hold. I have called numerous times on XX/XX/XXXX and XXXX. I have been on hold for upwards of twenty minutes each time. I have no idea what the charges are on my account because I cant access it online and cant get a person on the phone to unlock my account. The website I normally use which is tdcardservices.com is directing me to a completely new website and I cant figure out how to access my information. Please help me.
Consumer complaint received 2022-03-16
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. (PA)

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Consumer complaint received 2022-03-16
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. (PA)

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and Experian with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.