davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 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 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 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank send me an email promotion with a special offer of 4.5 % APY if I transferred {$10000.00} of new money. I opened the account and deposited {$10000.00}. 
There are many issues with how they offer this product including making it increadibly difficult to actually get the rate. ( Liking to a checking, which they dont make clear when opening the account, or other ridiculous hurdles ) The rate they are giving me is only 2.96 % and after 3 calls and 1 branch visit and 2 hours of trying to remedy, they say my offer doesnt exist. 

I still have the email as proof.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) 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 XXXX information to the best of their ability with XXXX XXXX. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX 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 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (GA)

I had a payment arrangement set for a business credit card that is personally guaranteed. Card ending in XXXX. I got a new bank account because the business transitioned from an LLC to a Corporation. Because the arrangement was set for the other account, I tried to transfer money into the other account but Chase 's account wouldn't link to the new bank account. I called to let someone know to try to change the payment account and was told there was nothing I could do. Two days later, the business card was reported to my personal credit report as 60 days late. The payment would not have been late if I had been allowed to change the payment. I talked to several people and explained the situation because this inability to link the new accounts in Chase 's system cause almost a decade of good payment history on my credit report to go to waste because Chase wouldn't take the payment. Going forward, I started transferring the money from the correct account to the old one when I was finally able to connect the accounts a week later. Then one day, the payment was returned from that account even though the money was there. I called Chase to figure out the problem. They stated that the LLC 's bank account was set to be closed because when it was opened, the banker that opened it, failed to put the correct member information into the account profile. I never received a letter or any notification that this was happening. They simply froze the account and wouldn't allow me to make a payment to the credit card AGAIN. Twice, I tried to make payments and Chase 's system would do things without notifying me and causing me additional issues. Luckily, I had made another payment to the card so the card didn't have another late but it would have because Chase blocked the account with no notification. When I contacted them, I was told I needed to go into a branch to fix what the banker didn't do. The nearest branch is over 100 miles away. I tried to reach the banker, XXXX, to ask him to talk to the XXXX team to fix this and he no longer works for Chase. So not only did he XXXX up my account, he was no longer there to fix it. I never received any information as to the account closure. No notifications. No letters. No nothing. I want this fixed. The card is current and would have never been 60 days late had I been able to change the bank account to the new one. And Chase almost XXXX me again on this card, by arbitrary closure of an account because it didn't specify Member-Managed LLC in the profile and giving me little to no options to fix the issue. Chase ruined the perfect payment history because of repeated system issues.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Ria Envia, LLC (OK)

The money order was lost and cashed but not by me {$380.00}. Im a XXXX XXXX XXXX XXXX and I am just now getting back on my feet. I save my money orders and now it's gone picture of the stub belowe
Consumer complaint received 2023-06-28
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-21
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: LEXISNEXIS (OK)

I filed this complaint ID XXXX with the cfpb and named XXXXt and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX  saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681e - Compliance procedures states : 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. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX ; XXXX ) XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to. privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (FL)

VENMO My account was frozen back in XXXX of 2020. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I am requesting that all charge off accounts on my credit record to be removed as well as the inquires. I have suffered job loss due to XXXX as well as living in a recession and I feel as if I should be given atleast a leg up and be able to rebuild myself and my family using my credit as a source without these nagging and half of them not my charges be done away with and swiped off my credit report. I have as well started disputes with 3 of Said companies. I blame the actions that was put onto XXXX by the covid epidemic to be blamed for such negative credit marks. It was unforseen as well as problematic to myself and a million others. We are just trying to survive and sadly our credit reports stop alot of us that are well deserving of having even the essentials in life today. Example, cars, we need those to make money to live and eat and work to keep the economy up but sadly we r told NO due to these credit reports. And a Home, a roof over our heads but NO due to credit marks alot of us have suffered since XXXX struck. I could go on. And on top of it all Equifax had a big security breech Yes I was affected as well as a million more people. Sad truth is we can't do anything about it other then hope our personal information is not too far sold already. I can honestly say I have had my private accounts hit after that breech and it has caused me so much anguish and stress that my XXXX has reached its boiling point. In conclusion this letter may get through and hope somebody listens and helps. If not atleast I can say I tried and stood up as an XXXX.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

I had my account on square hacked. I called them to help me change my email and password immediately & no money had been taken from this short hack. Because of this they froze my account, not allowing me to move my money into my account other accounts. Because of this I am behind on payments and my account is incurring overdraft fees. They gave me no answers and refuse to help me with this matter. I have over XXXX XXXX in my savings with them that I can not access, meanwhile my other account is negative {$370.00} and receiving multiple {$35.00} over draft fees. I also have tons of bills I will have to pay late which may affect my credit score. I am a single mom and small business owner and I can not even afford gas without the money they are holding from me. I am beyond disappointed with how they handled this matter. No one seems to care and my calls and e-mails get me nowhere! It has already been 5 days with no word.
Consumer complaint received 2023-04-14
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My money is being held without purpose upon my account being closed for 90+ days By Square. Ive been reading other consumers complaints about this company and they tend to do this with no explanation and always take over 90 days to pay out what we are owed.