davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

On XX/XX/2019 an unauthorized hard pull was executed on my credit report by XXXX. I have never heard of this company, and I have not applied for any loans or mortgages. 

On XX/XX/2019 XXXX XXXX XXXX executed an unauthorized hard pull on my credit report. This happened after I answered questions about home security.
Consumer complaint received 2019-03-18
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. (FL)

This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX  another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low XXXX hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of today XX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. Equifax has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, Equifax, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.
Consumer complaint received 2022-04-03
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. (MI)

I sent on documents to show the Debt cancellation and the documents showing that the US Bankruptcy do not report to any credit bureau and XXXX freeze as well. So they did not pull from this source as well. They refused to to remove. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (CA)

In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX  regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX XXXX end or on my credit reports. Next, I submitted to Experian on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Experian regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to Experian. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EXPERIAN had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Experian on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Experian 's end or on my credit reports.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, XXXX, and Transunion is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.
Consumer complaint received 2023-03-21
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. (NJ)

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Keep receiving phone calls from PORTFOLIO RECOVERY using different telephone numbers including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX And many more. I get multiple calls every single day from Portfolio Recovery. Its very frustrating and they don't even know what its regarding but constanlty have to block these random numbers they keep using.
Consumer complaint received 2019-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2019 I went to tour a home for rent. I liked the home got the lease and paid deposit through XXXX at my bank Chase. I was frauded. I contacted my bank Chase the same day and was told that my money was just gone and they couldnt help. I gave XXXX. XXXX application fee and XXXX deposit. How can the bank support a problem that has no security. The money was sent to XXXX ( XXXX ) XXXX Through Chase XXXX the fraud person name is XXXX XXXX. I filed a police report with the XXXX Police Department in Georgia. My bank just left me hanging, wouldnt provide me with any information concerning where my money went
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (MD)

this letter was sent XXXX and delivered XX/XX/XXXX and they ignored it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTN : ( CEO, GENERAL MANAGER, REGISTERED AGENT, ) RE : XXXX I, XXXX XXXX XXXX XXXX a consumer who is natural and living person, holder in due course, And creditor affirms that I am familiar with the facts stated within this notice. The purpose of this letter to provide you physical written notice and directions to be enforced. 
On, XX/XX/XXXX I consummated a consumer credit contract under good faith and credit. This however, was and is not a loan. I would like to bring to your attention to the statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 
With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. With this is mind, I recall, XXXX XXXX verbally implying that Santander Consumer USA INC required a down payment of {$2000.00} With these laws and sequence of events, verbally and otherwise, my federally protected rights have been violated. It is mentioned in Regulation Z that you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 
You, XXXX XXXX XXXX, have 30 calendar days to return the falsely and illegally obtained down payment of {$2000.00} to me, XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Maryland XXXX. 
Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunications, and otherwise methods of communication. This communication requires a response within the allotted threshold. 
Regards, ( XXXX : XXXX ) U.C.C. 1-308
Consumer complaint received 2023-04-09
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. (FL)

Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX XXXXredit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX XXXX I provided XXXX XXXX all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing.

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies.

Thank You in advance for any help you can provide me. 

XXXX XXXX
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (MD)

I purchased a XXXX XXXX  a XX/XX/XXXX from their. The promotion was for 12 months deferred interest - throughTD Bank. I received the product which came with 1 year free of the i-fit membership. I made 11 payments for the total amount {$1100.00} and showed a no balance on XX/XX/XXXX. I did not receive a XX/XX/XXXX statement. When I received the XX/XX/XXXX statement it showed new purchase with the titel " PURCHASE XXXX  FINANCING '' for {$410.00}. I thought this was for the deferred interest. I called on XX/XX/XXXX and told the TD finance rep of the charge. They stay I had to file a dispute online. I filed a dispute on line on XX/XX/XXXX. I received the XX/XX/XXXX bill and the charge is still on there plus a late fee of {$29.00}. While researching the documents for my CFPB complaint, I did discover XXXX emails in XX/XX/XXXX. The first one stated that the i-fit membership was extended for another year. It did not say how much it would cost. There was a second email with and invoice that showed {$410.00}. Most subscription services that auto renew send an email with a charge amount and pending renew day. The first email " extended '' suggest this is and extension of the free trial, not the renewal of the membership at its normal price available to be financed for 12 months.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (PA)

My US Airways credit card was switched to a XXXX XXXX credit card which I received automatically in the mail ( I did not sigh up for it, it was generated once the two airlines merged ). 

In one year I was charges {$2000.00} in interest fees for {$250.00} in actual purchases. 

I am being charged 27.24 % interest on the card, almost 30 % which is much higher than I was charged by US Airways.  Therefore the card has generated thousands of dollars in interest. 

The interest is related to the predatory insurance amount. It does not look like they honored the interest rate I had previously. 

Also the USPS mail carrier failed to deliver mail in XX/XX/2017 due to a dispute between mail carrier and the US Post Office over building access ; the USPS carrier did not have the key to access the apartment building mail and he sent back mail mark undeliverable, which caused my card statement to be sent back and I missed sending payment. I contacted all my card companies to notify them of the issue with mail delivery and I notified the USPS Postmaster to file a complaint about being charged higher interest due to the US mail delivery mistake, and I was told by my credit card company that my credit would not be affected and they'd send paper statements out to replace the returned statements. 

Even with that the 28 % interest is extremely exorbitant and predatory.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I received a report from a service that I subscribe to that my social security number had been compromised. I was advised to place a FREEZE on my credit information with the XXXX credit reporting agencies and the XXXX. This was a simple process with XXXX, XXXX, and the XXXX. But Experian keeps redirecting me to something they call a Credit Lock. This is a subscription service for {$24.00} a month. They refuse to allow me to place or manage a FREEZE online. I have to send them a certified letter requesting the freeze. And I assume I will have to do the same to manage the freeze. I am going to send the letter but their approach to my problem just makes things more difficult, and the fact that when you go to their website to request a FREEZE they redirect you to their paid service using similar language in order to deceive people. Experian should not be permitted to operate in this manner.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

When I spoke to the merchant they said they only received a {$200.00} dispute from TD bank and I disputed {$800.00} or {$850.00} I believe! So TD bank did absolutely nothing to get my money back, the merchant even knows that these charges were duplicated! This is ridiculous TD bank just removed {$650.00} from my bank account no explanation no nothing just a provisional reversal! This is insane and I am completely sick to my stomach that they would take my money without even trying to get it back! I know I am tired of fighting for my money that I know was an error on behalf of the merchant! What is mine is mine and I am extremely upset and disappointed that TD bank would not rectify this as they shouldve have. The merchant stated that they did not send TD bank anything because they never received my dispute for the {$650.00} at all! This is legal robbery and I am tired of going through this with and for my money!
Consumer complaint received 2022-04-03
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. (CA)

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have wells fargo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Consumer complaint received 2022-04-03
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)

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXX  credit card for XXXXXXXX XXXX for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Consumer complaint received 2022-04-03
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. (SC)

XX/XX/2022 - XXXX, Experian and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Consumer complaint received 2022-04-03
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. (SC)

XX/XX/2022 - XXXX, XXXX and Transunion. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To CFPB I got an alert from my security online protection that Trans Union has posted an account on my report from a company called XXXX XXXX XXXX for {$61.00} we did not get any written communication from this company stating we owe them anything, and once again Trans Union has posted it without a trace of proof that this is ours.