davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Consumer complaint received 2020-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

All my loans have been paid off not charged off they were paid in full by another company I got a loan from to pay the loans off and they were not sent to a collection or charged off but this is why they keep reporting on my repost and actually since COVID began resident said they were not to report negatively till XXXX and every month they have been reposting to my credit negative this is wrong
Consumer complaint received 2022-09-12
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-07
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. (MD)

Accordance with the fair credit reporting act XXXX 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 : also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (VA)

Account opened : XX/XX/XXXX Original creditor : XXXX XXXX Account now owned (? ) by HUNTER WARFIELD XXXX Balance : {$7700.00} Date updated : XX/XX/XXXX Pay Status : Collection I called Hunter Warfield to find an account using my name and the representative couldn't find anything. She asked for my social security number which I refused to give because I wasn't sure if this company was behind this potential scam. The representative told me she could not help me out since I refused to provide them my SSN and she provided no other alternative or workaround to search up this account. I have no idea what this account is, who created it, or why it's on my credit report. The first time I even heard of this company was yesterday when I requested my credit report. I have not heard or received ANYTHING from this company before then.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A . 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them.

Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative.

I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call.

The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them.

This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue. 

This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank.

The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam.

TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur.

I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud. 
TD Bank is doing nothing to protect my account or provide any type of refund. 

Coincidently, the fraudulent activity began after using my card in the local Target Dept. store. 

I hope you can help me with this. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

This letter is a formal complaint that you are reporting inaccurate credit information. 
I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Account number : XXXX Please supply information on how you have verified this item. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RENEWAL BY A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-21
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed with transunion and, XXXX XXXX XXXX XXXX , also XXXX XXXX XXXX, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXothing with my signature on it I would like for the law to be put in place here.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Target Card Services provides an option for payment arrangements if you are going through a financial hardship. They say its written in a disclosure provided that it will still charge late fees. However there is no verbal disclosure of the this fee when making the arrangements. The issue here is that it is highly deceptive and financially impacts the consumer in a negative way. My payment arrangements were set to XXXX dollars for XXXX months, I wasnt disclosed this payment wouldnt cover my minimum payments or that it would lead to XXXX dollar late payments for all the months of the payment arrangements. Thats a difference if XXXX dollars that doesnt even make it toward the principle or help me get back on track as they glorified it would. In addition to that, after making payment arrangements I received at least XXXX calls a day reminding me the make the arranged payment amount and every call answered still no one disclosed that I would still be assessed a late fee. Finally, after seeing the late fee on my statement puzzled because Ive been making the payment of my arrangements, speak to a representative and they cant even try to remove my late fees until they receive a minimum payment of XXXX dollars in addition to the payment arrangement payment made just XXXX days prior. This is not fair to any consumer.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.
Consumer complaint received 2021-09-13
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: Exeter Finance, LLC. (NC)

I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
Consumer complaint received 2021-01-22
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: R & B Corporation of Virginia (NC)

I have and had health insurance which was never billed for payment contacted the vendors they refused to bill sent to the credit bureaus to verify no change. I was XXXX  injured in XXXX  the State of Virginia was the payer of the bill however no effort to remove from my credit.Since getting out in XXXX I have had been forced to live with relatives and friends unable to rent because of the collections totaling over {$8000.00}. show as collections on my credit report. I have called they say its to late and refuse to file however the insurance information has been in their possession the entire time. Because of the Corona virus family members are scared to let you stay, I am XXXX cant work due to the injuries I suffered I have a XXXX XXXX and XXXX XXXX  injuries. I need help please to get this off my credit so that I can qualify for a place to live. 
The creditors are XXXX XXXX XXXX in XXXX Va bills are for {$2700.00} inXXXX {$4000.00} in XXXX XXXX these are hospital XXXX authorized by the state of VA I have XXXX XXXX & XXXX. {$1200.00} Placed in hospital by XXXX  system can provide proof. 

XXXX XXXX XXXX ( doctors ) XXXX VA svc date XX/XX/XXXX {$69.00} svc date XX/XX/XXXX {$180.00} {$34.00} svc date XX/XX/XXXX XXXX XXXX XXXX {$74.00} svc date XX/XX/XXXX {$190.00} svc date XX/XX/XXXX XXXX svc XX/XX/XXXX {$74.00} svc date XX/XX/XXXX XXXX XXXX  XXXX  {$280.00} svc date XX/XX/XXXX XXXX  XXXX  of XXXX XXXX XXXX date XX/XX/XXXX and svc date XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX {$280.00} XXXX I have tried to get the billing office to look at the bills because I have insurance but they refused. I am in a serious way now because the family has been good to me but I need help to prevent me from having to go to a shelter that would be hard for me because right now my health is pretty good other than this XXXX XXXX and the XXXX. I can afford a income based place but noboby will take me because of this credit it is not my fault the bills were not sent for payment timely but I am suffering because of this problem.
Consumer complaint received 2020-09-23
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Consumer complaint received 2020-10-23
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: CITIBANK, N.A. (FL)

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Consumer complaint received 2021-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet. 

UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ). 

We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (PA)

I logged on to transfer money out of my account. The site ( Gemini.com ) was not accepting the only password I ever used for the site so I changed my password and was not able to access my funds ( simply request the transfer of funds out of that account and to my bank ) : they locked my account for XXXX hrs. Now XXXX weeks later the account is still locked and I still can not process the transfer of funds out of my account. The company has no number that I can call and customer service support is extremely slow and due to my schedule it may take another 5 days before I can get into my account... this is going round and round and is a block to me accessing my money in a timely manner.
Consumer complaint received 2022-07-23
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. (FL)

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.
Consumer complaint received 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Services deliberately lied to XXXX  stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated. 

They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021. 

As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.
Consumer complaint received 2021-01-22
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.