davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

i send a {$2500.00} transfer from my TDBank checking account to my XXXX XXXX account tdbank cancelled the transfer and locked my online access, disabled transfers and XXXX. 

i called TDBank and they told me that i need to send a statement from the XXXX XXXX account to verify its mine, but the only option is to do in a brach store and i am outside XXXX until XXXX they dont have any email or FAX to send this document so i am attaching the document requested by TDBank to this claim for review attach also 2 forms of ID + the last TDBank debit card ( replace is pending as card was damaged )
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I had to call XXXX XXXX XXXX XXXX to get an answer. They told me my name XXXX XXXX XXXX brought up multiple people with other social security cards numbers and having part or whole my name. I was told I had many different social security cards. I don't but just using a very common name such as mine would bring up that results. I asked what do they need to fix this. The reply I got was a letter specifically stating from the Social Security office that I only have one social security number. Plus copies of my driver license SS Card, voting registration, and or any other proof of my identity. I have had the Home Depot card for over 25 years it was issued in my husbands name and my name. I put a full application with my husbands info to them and was approved. My husband died 3 years ago and I notified Home depot a month after his death and inquired if my card was still good to use. I was told that they had both me and my husband info and there is no problem with his death my card remained in good standing. I never use the Home Depot card except for large appliances, as is the case at this time. I can give them all my ID info but the Social Security office can respond to making a letter such as Citi requested. I wrote them they told me to open an account and do it myself. There is nothing in the account I open with the SS office that allows me to do this. Or request it done by them. I feel more than just slighted XXXX XXXX XXXX XXXX for the past 35 years and being treated in this manner is wrong.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I had to return a defective item that I had purchased from XXXX which is, as you know, a gigantic company even larger than Wells Fargo Bank. 

The return TODAY was completed within a matter of minutes! 

I have had to return to other merchants other defective items. The returns always also took a matter of minutes. 

But to have the problem of inappropriate fees charged to my account by Wells Fargo Bank has taken well more than three weeks and still there is no answer! WHAT IS THAT? 
WHY? 

And, with all due respect, it is absolutely disgusting of Wells Fargo Bank! 

XXXX XXXX XXXX XXXX I too am a customer of Wells Fargo Bank and I too state their conduct is DISGUSTING! 
They have put my beloved and loving husband, soulmate, and best friend XXXX XXXX XXXX XXXX through XXXX! And still continue to do so! And we are far from being XXXX chickens and we each have XXXX XXXX XXXX about which we many times informed them! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NH)

This company failed to verify the debt to me, despite being asked to, and then continued to attempt to collect. There is no way for me to confirm that this is a valid debt, as they refuse to provide such information to me. The company is Tasman Credit/Creditcoro Solutions .
Consumer complaint received 2024-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Citibank continues to violate my rights when it comes to sharing my personal information with non affiliated third party companies including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Per the Privacy act of 1974 it is illegal for any company to report transaction history ( Privacy Act of 1974 If a federal agency is involved, it can not disclose personal information, including transaction history, without the individual 's consent unless certain exceptions apply. ) This applies to The Social Security Administration which includes my SSN XXXX 
Per the Privacy Act Damages : If an agency is found to have willfully or intentionally violated the Privacy Act, the individual may be entitled to actual damages sustained due to the violation. 
Minimum Damages : The Act provides for a statutory minimum of {$1000.00} per violation, even if actual damages Per the Fair Credit Reporting Act ( FCRA ) The FCRA governs how consumer credit information ( including transaction history ) is shared by credit reporting agencies and financial institutions. 
Permissible Purpose : Transaction history can only be reported to authorized entities, such as creditors or erotatons ( eg, Inauthonied sharing ) oan lead XXXX ines, penates, and lawsuits Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, per 15USC6802-6805 this will be effective immediately and indefinitely Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (GA)

ONEMAIN To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

ONEMAIN Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This collection agency is attempting to collect a debt of {$3200.00} that is way passed the Statute of Limitation of 7 years in New York State. I want this agency to delete and discharge my debt
Consumer complaint received 2024-10-10
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (TX)

I stayed at a XXXX XXXX for 2 days, checking out on XX/XX/XXXX. The {$110.00} hold that was placed on my card was supposed to be released upon checkout. 
After noticing funds were not released I contacted the hotel who released the funds. 
After several days the funds were still not released. I called the hotel who sent .me proof the transaction was released and asked me to contact the debit card provider. 
I started calling dasher direct/payfare on XX/XX/XXXX. 
Phone agents were unwilling to help and refused to escalate my issue when I asked for a supervisor. They insisted that they could not transfer me XXXX that escalated issues are only handled by email. I called back to insist on talking to a manager to be hung up on and refused help by agents. 
I played along with the email games to only be met with refusal to help. They continue to say the transaction has not been released despite being sent proof. I have asked repeatedly to have someone actually look at the proof of the transaction being released and release my funds. 
Whoever the emails go to refuses to review the information provided to provide assistance. I have again asked multiple times for this issue to be escalated to no avail. I need help please. All I want is the hold removed from my money as it should have been 2 weeks ago on XX/XX/XXXX.
Consumer complaint received 2024-12-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

On XXXX the XXXXXXXX XXXX  someone tried to open app an account with XXXXXXXX XXXX without my authorization. On XXXX the XXXX 2024 someone tried to open app an account with C. B. N. A - XXXX XXXX XXXX. Without my knowledge, I think I have been caught an identity theft because my credit report took a huge hit.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-25
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)

There is an account being reported inaccurately by the credit bureaus and I would appreciate if it was removed immediately. This account that is attached to this complaint is 100 percent reporting inaccurately. My name is XXXX XXXX XXXX and this is not a third party filing this.
Consumer complaint received 2024-10-25
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. (IL)

I am filling this complaint to TRANSUNION with file number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-10-25
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. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this letter to address inaccuracies on my TransUnion credit report and to request necessary corrections as outlined below : Collections and Charge-Offs Account : XXXX XXXX ( Account # XXXX ) Balance Owed : {$3600.00} High Balance : {$4600.00} Status : Closed, listed as Charge-Off I request a full debt validation to ensure the accuracy of this charge-off report, in alignment with the FCRA requirements. 

Account : XXXX XXXX XXXX ( Account # XXXX ) Balance Owed : {$16000.00} High Balance : {$28000.00} Status : Closed, reported as Charge-Off Please validate this debt as the account has multiple reported late payments and a charge-off status. Accurate validation documents should be provided per FCRA regulations. 

General Instructions Please update my personal information to reflect only my accurate address and remove any previous addresses or consumer statements not associated with my record. 
I request that these adjustments be completed within 30 days, with written confirmation and an updated report sent to me. 
Thank you for your attention to these requests. I look forward to confirmation that these adjustments will be completed promptly.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

X/XX/13 Release of Tax Lien State of Alabama {$4000.00} Docket # XXXX X/XX/13 Release of Tax Lien State of Alabama {$830.00} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I request that the accounts in question be thoroughly reinvestigated, and that any inaccuracies be corrected or removed from my credit report. Additionally, I ask that all unauthorized inquiries be removed from my report. I also seek a written confirmation of the changes made, along with an updated credit report reflecting these corrections. If the issues can not be resolved, I request a clear explanation of the findings and steps taken during the investigation.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>