davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

I previously notified TD Bank that I am a victim of identity theft, and requested that they do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation from the bank of these actions. They did not send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report to them because the information they are reporting is the result of identity theft, and inaccurate, I request that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

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 XXXXXXXX To Whom It May Concern : I recently received a copy of my Transunion and XXXX Credit Report and I noticed that both are still showing charge off/ collections from XXXX XXXX Account # XXXX is still posted on my report : Your company XXXX XXXX XXXX and XXXX XXXX XXXX has two violations. XXXX XXXX XXXX has DELETED this account from my credit report. Transunion and XXXX has violated the laws by keeping the account on my credit report, and not providing accuracy. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All three credit agencies are to provide the same information for accuracy. Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the this account.This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 
Best Regards, XXXX XXXX Attachments are enclosed.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-09-18
Product: Credit reporting 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. (NY)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2022-11-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (NC)

Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX To whom this may concern : Please Note : This is my second attempt requesting a response. I requested Specialized Loan Servicing, LLC to rescind the 1099-C, due to the unsubstantiated debt being 36 months old. If not addressed, I will have no other choice but to dispute this matter with the IRS and beyond. Please forward your correspondence via this CFPB portal.
Consumer complaint received 2021-02-20
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: EQUIFAX, INC. (PA)

On XX/XX/2021, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. For their disregard, i am having issues obtaining credit and a mortgage. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Consumer complaint received 2021-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

This company never disclose the fees/interest rates to me. 
I have try to reach out to them several times and finally was able to speak to someone and I ask for a supervisor to see what can they do after they already took {$530.00} from my account they want an extra {$530.00} if I pay today XX/XX/XXXX The loan was {$500.00} open on XX/XX/XXXX FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
783.46 % {$2100.00} a total of {$2600.00} I explain my hardship and ask if they could reduce that predatory fees and they told me know and cant assist me. 

I need help! I'm a teacher and don't make enough money.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST HORIZON BANK (FL)

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery claims i owe three debts that i never knew about. years of disputing gave no results. talking with the company lead nowhere. i was willing to pay to get them to stop but they want too much for a debt that is not mine. what is worse, contacting them made the debt look like new on the credit reports. they told me that every time i call or contact them the debt renews and they plan on suing or arresting me. its a 10 year old debt!! they are mean and unfair and unprofessional.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has treated me horibke they closed my account after being a customer for 6 years in good standing all While om on vacation they change my due date on my other account all without surprised this is horibke their customer service refuses to handle this for me executive relations reinstate my account and call me and put back the due date I had in my GM card its not fair why your system would do this to me and change it
Consumer complaint received 2023-01-13
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. (GA)

XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report of XXXX XXXX due to identity theft. XXXX was deleted by TRANSUNION from the credit report XXXX XXXX XXXX about the dates of XXXX XXXX XXXX2022. Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 07 XXXX XXXX, 08 XXXX XXXX  XXXX, 10 XXXX XXXX, 11 XXXX XXXX XXXX, XXXX XXXX   XXXX, 11 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 Company Inquiries : 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 2022-08-21
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: SUNRISE CREDIT SERVICES, INC (MA)

I was in my XXXX credit report website where I saw an unfamiliar activity of a credit collections agency and I also received a statement in the mail from Sunrise Credit Services Inc XXXX. I called them to tell them this is not my bill ( I got hacked identity theft/fraud ) and they in turn gave me a fraud department phone number to the creditor XXXX  XXXX with reference number XXXX XXXX  Account # XXXX balance due as of XX/XX/2021 amounting to {$1800.00}. I was told by them to send two statements as proof of identity. I sent them attachments of my XXXX XXXX XXXX  and checking account statements to XXXX between the dates of XX/XX/2021 closing XX/XX/2021 as proof of my identity per their request. I received a phone call from them stating they never received such attachments that it was gone. 
I would like this resolved and removed from my credit report bureau 's XXXX, XXXX XXXX XXXX. I worked hard to establish a very good credit rating.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested an online wire transfer payment through Bank of Americas Online Bill Pay service for my Company Credit Card on Wednesday, XX/XX/XXXX in the amount of {$1200.00}. The online page and their general credit card guidelines state that the payment will be applied within XXXX business days- which should be by XX/XX/XXXX ( Friday ). 

On Friday, XX/XX/XXXX in the morning the transfer was completed from by business checking account with XXXX XXXX XXXX XXXX XXXX. However, when checking the BofA Business Credit Card transactions this payment has not been posted. Upon calling BofA Customer Support they say they see the payment in Online Bill Pay but dont expect this payment to post until Tuesday, XX/XX/XXXX. This is both frustrating and maddening that {$1200.00} from my business is floating in the ether and is inaccessible for my business. This is absolutely unacceptable and BofA is either incapable or uninterested in appropriately handling my business funds. As far as customer support escalations I was offered to submit my complaint via the customer feedback survey. Which has no ability to appropriately fix this lack of oversight or control of funding in a timely fashion.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX XXXX Account Number : Reason for Dispute : Account states Open, Incorrect information report, balance Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action.

Thank you for your immediate attention to this matter.

Sincerel
Consumer complaint received 2023-12-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Henley, Lotterhos & Henley, PLLC (MS)

I have reached out to this company several times to get them to stop garnishing my paycheck I am barely making ends meet. I need the garnishment to stop because it has reached the statute of limitations in the state of Mississippi. Limitations of Actions and Prevention of Frauds 15-1-43. All actions founded on any judgment or decree rendered by any court of record in this state, shall be brought within XXXX ( XXXX ) years next after the rendition of such judgment or decree, or last renewal of judgment or decree, whichever is later.
Consumer complaint received 2023-12-08
Product: Credit 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: WELLS FARGO & COMPANY (TX)

Looking Through My Postcards From My Travels, I Noticed a Receipt. On XXXX XXXX Someone With A Credit Card ( An Old Credit Card Number I Once Had ) From Wells Fargo Charged an Amount of Around XXXX XXXX. Dollars at the XXXX XXXX in XXXX. 

Now, The Truth is Stranger Than Fiction. I Had to Close My Account Because My Father XXXX XXXX XXXX Steals From My Account Because They Would Not Allow Me to Change My Account From XXXX XXXX When I Had Initially Told Them I Was XXXX XXXX XXXX XXXX 

I am XXXX XXXX XXXX But There Are at Least XXXX XXXX XXXX. Do You See the Problem? 

So I Believe, They Cloned My Debit Credit Card and Pigbacked On Another Account They Had On My Name With My Social Security. 

Sounds Farfetched But It is Very Easy With the Number of Hackers in This Century. 

So, I am Filing a Complaint Against Wells Fargo That Should Also Go to The Justice Department For Cloning My Card and Stealing My Identity. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX