davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NCC Holdings, LLC (CA)

National Credit Center is in parnetship with XXXX XXXX XXXX XXXX I would like NCC to answer me and the Consumer Financial Protection Bureau what The National Credit Center is agreeing with XXXX XXXX XXXX XXXXf XXXX with? That is on page XXXX, as it states on page XXXX under XXXX XXXX  If appliable to transaction, to help the government XXXX XXXX and XXXX XXXX activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore under XXXX Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX  XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
XXXX XXXX 9.5 % APR for a XXXX loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately XXXX minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page XXXX how did XXXX XXXX get my XXXX XXXX number? I did not give it to him. I do not carry my XXXX XXXX card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX XXXX  XXXX in their last Consumer Financial Protection Bureau report.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting unauthorized unverified inquiries on my consumer report their reporting has been harmful and violated my right as a consumer under title 15 usc 1692 I have notified them of them of the 3 unauthorized inquiries on my report and they have yet to be deleted the inquiries are dated as XX/XX/XXXX XXXX and 2 more inquiries dated XXXX XXXX I also have filed a report with the ftc
Consumer complaint received 2023-01-18
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2022 I attempted to apply for AMEX credit card. I was notified that XXXX and XXXX are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted AMEX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or XXXX is trying to assist me.
Consumer complaint received 2022-01-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX Creditor : XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Consumer complaint received 2022-01-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (VA)

I have secured a loan through PNC Mortgage. Property Mortgage Insurance was added to my loan when original down-payment was to be 10 %. PMI was supposed to be removed when I changed that to 20 % : it wasn't. I was encouraged to add a little more to the down payment to trigger the removal of PMI : it didn't. Despite numerous attempts to have it removed and despite talking with 5 different people over the past three weeks, I just received the updated document with PMI still included ( my closing is in 5 days ).
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have not heard back from Experian in over 30 days since my formal written notice of dispute dated XX/XX/2020 ( copies enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.
Consumer complaint received 2022-04-29
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: TD BANK US HOLDING COMPANY (LA)

... .... 
TARGET RED CARD XX/XX/XXXX XX/XX/2022 CHARGED ME LATE FEE AND LOWERED MY CREDIT LINE I HAVE NOT BEEN LATE ON ANY OF MY BILLS OR BALANCES ON THIS ACCOUNT EIGHTHER I WAS OUT OF THE COUNTRY & I BELIEVE I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND PAY IT PROMPTLY IN 3 YEARS I HAVE HAD THIS ACCOUNTN NEVER DEFAULTED EVEN WHEN I DIDNT HAVE A JOB & OW THEY HAVE AFFECTED MY CREDIT!
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (FL)

These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2021-05-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CW Financial (AL)

Was contacted regarding an illegitimate debt. They threatened to take me to court and sue me for this debt that I do not owe. They did not read me any XXXX rights and couldn't even tell me who the original creditor was. This company is attempting to scam innocent people out of hundreds of dollars for debts that do not exist.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 
Account : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (FL)

I am being told that I have made a loan during the time that I was not at home and my book bag and identification was stolen or lost between Florida and North Carolina my identification had my home address in XXXX XXXX on it I've asked for a copy of the contract with my signature and they provide a copy of a contract with no signature only my information furthermore I was notified by somebody that there was a filing of breach of contract by this company and then when I called the company they denied it the company is CashNetUSA
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.
Consumer complaint received 2022-04-29
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 Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-12
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 have 2 hard inquiries that are reporting on my credit report Equifax to be exact i do not recognize these inquiries its been reporting since XX/XX/2021 no actions has been taken
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

XX/XX/XXXX I was tripled charged when trying to deposit only {$2500.00}. Had to call my bank to cancel the extra two charges to not be overdrafted. Now my account is lucked and so are all my funds on Coinbase. 

Issues were with extra charges. 
deposit # : XXXX deposit # XXXX
Consumer complaint received 2020-11-26
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: GOLDMAN SACHS BANK USA (KY)

On XX/XX/2020, APPLE CARD/GS BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

i discovered some fraudulent charges on my debit card & called capital one about it. they said i must wait until the charges change from pending to posted. in the time, the number of fraud charges went from 2 to 3. once the 1st 2 became posted, i called again. the company issued a pending credit fro 2 of the fraud charges and the 3rd pending was removed from my account. then, the bank credits one of the 2 charges, but still have 1 fraud charge on my account, offset by the credit. i have called their fraud department at least 6 times over a 3 week period. it is near impossible to get in touch with the capital one credit/debit card fraud department. i've been on hold 15+ minutes several times, only to hang up ; i've left call back phone numbers, only to be called back by someone NOT in the fraud department that can not help me with the problem. there is no way i can find on my account online to write them about this. i can not believe it is so hard to get in touch with anyone at their fraud department. wow
Consumer complaint received 2020-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I received an installment loan from Tower Loan and paid the loan in its entirety, which has finally been noted on my credit report. However, during that process they kept calling and sending me things in the mail stating that my payments were late. It was not until I disputed that erroneous information did they finally change it and closed the account. However, during this time I started seeing multiple inquires on my credit report from Tower Loan, which  looked as if I gave them permission to perform hard inquires on my credit. At that time, I did not apply for any new lines of credit and when I inquired about this situation. I received a letter saying in an attempt to collect my debt, which I had paid in full, they performed hard inquiries on my report. I would like for those inquires to be removed and any of the supposed late payments removed as well. This company is horrible and I can only imagine the many other customers that overpaid their loan like I did. Thank you for your assistance in this matter.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.