davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/20 I order a treadmill form XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through XXXX XXXX financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/20, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, XXXX : XXXX, and ( 2 ) receiving verification of the payment account ( XXXX   Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/20. She was subsequently assured by TD that everything was set up correctly. 

Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. 

After calling TD to straighten this out today, TD is now trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}. I offered to cut a check today for the principal, and not a penny more, which was not only rejected by TD 's collection representative, but met with the threat of ruining my credit if I didn't pay the entire amount they are claiming is due. 

I reached the rep, along with my assistant on the line, today at XXXX. She identified herself as XXXX and claimed her employee ID is XXXX. 

I am including screenshots from TD 's payment portal illustrating my enrollment, bank statements indicating a sufficient balance ( thereby invalidating the NSF claim and associated fees ), as well as TD 's  statements.
Consumer complaint received 2022-09-18
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. (TN)

A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with XXXX  and with XXXX with no help from neither
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/23 Amount XXXX atm withdrawal at a gas station in area that I have never gone to. 
closed card and received new one. 
XX/XX/23 Amount XXXX atm withdrawal at nail salon on same block, also I never have gone to this establishment. 
XX/XX/23 Amount XXXX atm withdrawal at same gas station that I do not use Closed card again changed pin at this time. 
XX/XX/23 Amount XXXX atm withdrawal at pizza place in same block as other 3 charges. 
Closed my checking account on XX/XX/23 Bank of America is denying all claims essentially saying I gave my card to someone which I did not do. What recourse do I have? They will be withdrawing all monies from my account soon, a total of XXXX!
Consumer complaint received 2023-07-28
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-05-06
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'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
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 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

My account was locked 3 different times, the first two times I had to call in and verify myself which then unlocked my accounts. 3rd time on XX/XX/XXXX I was told to submit a appeal form to verify my ID and address. I do so, and am then told on XX/XX/XXXX that the restriction can not be removed. I sent another appeal form on XX/XX/XXXX as I need to pay my credit card bill somehow. I received a response asking if I tried to apply for a membership in XXXX, and if I did not I would need to fill out a fraud form. I told Navy federal that there is no fraud, my brother and I have the same name and birthday. I was told to call in, and spoke to a nice gentleman for 1 hour and 8 mins and he could not figure out how to handle this issue and told me to now call back next week. It's been almost a month without access and now Navy is telling me they can not find my account, or credit card number when I call in.
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AZ)

On XX/XX/XXXX, we closed the sale of a condo located at in XXXX, AZ. Selene Finance is the servicer of the loan we had on the subject property. We never received a XXXX Form 1098 in order to file taxes. Since we paid off the loan, we were no longer able to log into the account to obtain the 1098 on our own. 

On XX/XX/XXXX, I contacted Selene and requested a copy of the 1098 be sent to me in order to prepare for taxes. I was advised it would take 7 days via email to receive it. I never received it. 

On XX/XX/XXXX, I contacted Selene again to advise I never received the 1098. I was advised it should take 3 business days to receive it by email and it will come encrypted. I never received it. 

On XX/XX/XXXX, I spoke with XXXX at Selene and advised since I did not receive the 1098 by email, please send it by regular mail. He confirmed the mailing address and advised it would be mailed within 3 business days. I never received it. 

On XX/XX/XXXX, I attempted to escalate the matter to a supervisor. I spoke with XXXX in customer service who advised her supervisor, XXXX, would call me by XXXX Eastern. I never received a call. 

I am not sure why it is so difficult to receive a copy of a 1098. But if I do not receive it, I will not be able to file my federal income taxes. This is a big problem. Since no one at Selene, not even a supervisor, seems to be able to assist me with what should be a simple task, I have no choice other than to escalate this to the CFPB.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (MN)

I have a complaint against " Paramount Recovery ''. This shows as as two separate {$3100.00} collection accounts on my credit report due to something called " XXXX XXXX ''. It shows that this account was opened on XX/XX/XXXX. I haven't had any services related to anesthesia since XXXX and have never received a copy of an invoice, or even what the bill is for. I have attempted to dispute this, with no luck so far. 

Opening a collection against someone while failing to provide an invoice, or having any other contact for an apparent half-decade old medical bill is against consumer rights.
Consumer complaint received 2020-07-03
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. (TX)

There are several credit inquires that are reflecting on my report that I do not know the companies. I have written letters to the companies and credit reporting agencies to give me more detail. They have not given me a proper resolution.
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I am writing this letter to submit a complaint regarding the permanent limitation placed on my PayPal account XXXX. I believe that this limitation has been placed on my account due to a mistake, and I would like to appeal this decision. 

I would like to emphasize that I have not violated any PayPal policies, and I have always conducted my transactions in accordance with PayPal 's terms and conditions. Therefore, I respectfully request PayPal to re-investigate my case and restore my account if possible. 

I understand that PayPal takes its policies very seriously and enforces them strictly to ensure the safety and security of its customers. However, I am confident that upon further review, it will be clear that I have not engaged in any activity that violates PayPal 's policies. 

I have been a loyal PayPal customer for many years and have always appreciated the convenience and security that PayPal provides. Therefore, I would be grateful if you could kindly reconsider the permanent limitation on my account and allow me to continue using PayPal 's services. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had two debts listed on my credit report with Capital One. One in the amount of {$650.00} and another for {$410.00}. Both accounts show as written off and both accounts were settled in full. The problem is the company stated that these accounts were written off in 2022. I never received a 1099 C form. The creditor must file a 1099-C the year following the calendar year when a qualifying event occurs. A creditor must provide me with a copy of the 1099 C form by XX/XX/XXXX so that I would have it for tax filing purposes. Capital One had failed to do so. Also the debts are showing on my credit report as owed when 30 days has passed and my credit has not been updated. Please remove these accounts from my credit immediately.
Consumer complaint received 2024-11-13
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. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$450.00} XXXX - XXXX - XX/XX/XXXX - {$820.00}
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX XXXX was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this XXXX found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only Transunion reports this account XXXX XXXX XXXX was paid off trains in full and on time XXXX  - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  Transunion XXXX Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

Thank you
Consumer complaint received 2023-08-11
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. (GA)

I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate Experian 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of my credit report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-07-07
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: NAVY FEDERAL CREDIT UNION (HI)

XXXX XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (PA)

I have noticed that Experian has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I booked a room reservation via XXXX for XX/XX/XXXX using my Citicard XXXX. Due to the pandemic, I notified Citicard on XX/XX/XXXX to dispute charges and cancelled my booking for the reservation # XXXX at XXXX. On XX/XX/XXXX XXXX informed me that they made a mistake on the cancellation and offered me a voucher. Since XX/XX/XXXX I have tried to contact both XXXX and Citicard to resolve the issue as I was being charged interest on the booking charge. 
OnXXXX  I finally got through to a human at XXXX and they are " reviewing the case '' and assigned # XXXX and told me it would take up to 4 weeks to resolve. 

On XX/XX/XXXX I finally got through to a human at Citicard and they refused to credit the interest charges on the {$120.00} charge. 

As of XX/XX/XXXX the interest charges for the cancelled reservation amount to {$73.00}
Consumer complaint received 2022-04-06
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

While pursuing/applying several times for a refi with Wells Fargo, during the review/underwriting process there denial ( see attached denial letters ) reason ( s ) could have been addressed ( see attached email from title company ) before issuing a denial letter ( s ).