davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (NV)

This is my second complaint regarding a furniture loan that was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. After I received a resolution notice from CFPB a balance of {$1000.00} remains on my TD XXXX Second Look account. I am told the refund issued was made in error and the check which was referred to in the letter had a stop payment on it. However TD XXXX can not confirm receipt of the third check dated XX/XX/XXXX. They are stating that the check which was found was the first check and that upon trying to cash it they found it had a stop payment. This is true the first and second checks had stop payments, however I do not know the status of the third check. I thought the third check had been accepted and cashed when I received my refund, and the letter stating my balance was zero and the account was closed. I received an email today, XX/XX/XXXX that my payment was due soon. Upon calling in to the automated system it stated that my balance was {$1000.00} and the last payment was received on XXXX XXXX in the amount of {$1000.00}. I believe they may be trying to scam me to get additional payment. A total of three checks have been sent now, and the original complaint is the original complaint Two checks have been issued on my behalf to TD XXXX through a title company of XXXX XXXX XXXX in the process of a cash out refinance. TD XXXX initially claimed they lost both checks. The check amount is {$1000.00} XXXX check was delivered on XX/XX/XXXX via certified overnight USPS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX -The second check was mailed and delivered via USPS on XX/XX/XXXX to the same address. TD XXXX has no record of this check. XXXX XXXX XXXX states there is nothing they can do to help me resolve this. TD XXXX stated they were looking into it. Payments are generally made by me through onlineaccessplus.com XXXX furniture loan was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. When I asked to escalate the situation I was given the email address XXXX The first check that was lost which I inquired about got no reply. The second check email inquiry was responded to by another representative that gave me the same information as the prior representative who told me to email them. This response being- " We are looking into it. Please feel free to contact me for additional information.
Consumer complaint received 2022-09-23
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. (CO)

I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Equifax is reporting on this account. 

My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Equifax in XX/XX/2022 and no response, I sent a follow uo at the end of XX/XX/2022 and still no response and no correction to the account. 

The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Equifax is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Equifax is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The payment status on a collection account should state collection/ chargeoff - Equifax is reporting this " LATE 120 DAYS ''. again another FCRA violation. Lastly a collection account should not report any two year history and of course equifax is also reporting a history. 

This is at least 5 violations. Ive included the letters mailed and the credit report
Consumer complaint received 2022-06-27
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-16
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. (WI)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-16
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc (AR)

I been having this problem every time I do a background they steady saying I owe her XXXX for back rent when she never toke me to court she verbally agreed to let me out my lease and waited two years to put it on my credit report I Disputed it and it was took off now she put it on my rental history I want it off my rental history and credit report once and for all with On XXXX XXXX and HUNTER WARFIELD every time I dispute it they put it back on she never took me to court and then apartments was a hazard to me and my kids and when I told her I was gon na take her to court she agreed to let me out my lease but then did this two years later
Consumer complaint received 2022-11-16
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-27
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-13
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. (NY)

on XX/XX/XXXX I sent a letter to experian, XXXX and XXXX to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I received an alert from my credit reporting company that a hard credit pull was reported on my credit. I have a fraud alert & security freeze on my credit. I contacted TransUnion and was instructed to contact Bank XXXX XXXX to see if they will provide a letter clearing the hard pull. I filed a complaint with Bank XXXX XXXX XXXX department, in which I was told that someone filled out an application for a credit with them but the application has not been processed. I told them that it was fraud and that I did not fill out nor apply for any credit. I asked how was this application even get processed because I have a fraud alert & security freeze on my credit. I was told that the it can still be processed even with all the security measures that I have in place on my credit. Bank XXXX XXXX said that they would investigate & then notify me of the decision. I received a letter stating that the credit pull was correct & they will not withdraw the hard pull from my credit. I did not apply for any type of credit with Bank XXXX XXXX XXXX I want this hard pull removed from my credit. This is fraudulent & I have a freeze on my credit & fraud alert. Im trying to figure out how did this even get processed. It was listed as : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (TX)

So XXXX who is Now operating As XXXX, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To XXXX  Now XXXX  ) Phone number doesnt work. No Notification of new contact information. XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa credit card in the amount of {$500.00} as a gift from coworkers. The package did not appear to have been tampered with ( it was intact and the card secure in the package ). When I attempted to use the card in a retail store & at a a restaurant ( XXXX and XXXX ) I received error messages, unable to process. On closer inspection, I realized there are no numbers on the front of the card other than the expiration date, and no XXXX number on the back of the card. The card is unusable. It appears that the numbers may have been rubbed off, or never applied to the card, in either case the defect would have to have occurred prior to the package being sealed. 
I called the customer service number on the back of the card : XXXX, & was informed they can only assist me if the original purchase receipt can be submitted with my complaint. I provided the receipt and the customer service agent did verify that the card has a balance of {$500.00}. I inquired if they could issue a replacement card but they will not.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

BSI Financial Services has damaged my credit due to a mistake they made and admit to on a recorded telephone conversation with one of their managers. I have asked them to correct the mistake and withdrawal the adverse credit delinquency reports they have file for four consecutive months. Extremely poor service, no one calls you back when they say they will. I'm concerned that this mistake made by BSI will negatively impact my credit score for years.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Hello XXXX XXXX, my PayPal account can not be linked to the bank, and I have contacted PayPal customer service for many times and the problem has not been resolved. I want to withdraw my own money. This incident has caused a lot of trouble to my life, please help me
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX  XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.
Consumer complaint received 2022-11-16
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} XXXX XXXX
Consumer complaint received 2022-11-16
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 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 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 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

Me and my XXXX XXXX XXXX son were customers with Chase bank and recently they told us they were closing our accounts without our knowledge. We both currently have money still in there and they wont release the funds. XXXX called them numerous times, Ive filed with the XXXX and other agencies and no response. Now my utilities are at risk to get shut off due to them not even letting us withdrawal the funds and be done with them. My son has over {$500.00} in his account and I have {$1300.00} in mine. They told my son on XX/XX/XXXX they would mail out a cashiers check but have failed to do so. Im at a loss on what to do I need help ASAP.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (FL)

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX RE : XXXX  RE : XXXX RE : GRAMM LEACH BLILEY XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXXXXXX XXXX/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of