davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

When I first took out a loan to purchase my car I was told I would receive a letter in the mail from TD Auto Finance with information on how to pay my first bill. A month passed and this bill did not come. I attempted to contact TD Auto Finance and was told I needed to wait to receive a bill in the mail. Another month passed and I still had not received anything. I called TD Auto Finance again and was told a bill would come in the mail. After some back and fourth, I found out I could in fact pay over the phone. I gave my card information on the phone and was told I could also set up auto-pay on the phone which I believed I had done. It was my understanding auto pay was set up, but months later I found out I had multiple missed payments. I was still not made aware of these payments through the mail. While TD Auto was not auto-charging my car payment, they were auto-charging me missed payment fees every month, so they did in fact have my card on file. When I found out I immediately paid all missed payments and set up autopay. 

I sent them a letter asking them to remove the derogatory marks from my credit score as their process of making payments was confusing and unclear, and because I already paid the late fee and have consistently on-time payments since discovering they were not charging me, but was denied.
Consumer complaint received 2021-01-13
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. (FL)

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XX/XX/XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX XXXX Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XX/XX/XXXXrescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX XXXX email ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Care Team & XXXX XXXX XXXX Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX XXXX email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX XXXX XXXX see File 1 - personal letters pages 1,2 and XX/XX/XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from Equifax and XX/XX/XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter XXXX XXXX XXXX XXXX Credit, XXXX XXXX XXXX* ( see File 1 ... ) ** 1 XX/XX/XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX XXXX Financial Director ) and XXXX XXXX Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Compliance Manager ) and XX/XX/XXXX ( Compliance Coordinator ) of XXXX Credit
Consumer complaint received 2020-06-11
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion,XX/XX/XXXX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Consumer complaint received 2021-01-13
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. (NV)

These are not my accounts. I had placed a fraud alert on my profile as I believe someone is using my information. 103 Claims true identity fraud/account fraudulently opened. 040 Account involved in litigation. Please remove these accounts from my credit profile. Thank you.
Consumer complaint received 2021-01-13
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 57 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. 

As a courtesy I have listed the inaccurate accounts in question below : Transunion and XXXX  XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX  XXXX XXXX  Acct # XXXX 3. XXXX  XXXX XXXX XXXX Acct # XXXX XXXX  Credit File 4. XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Consumer complaint received 2021-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

I have disputed this debt several times with this company and the credit bureaus. I have no knowledge of this debt and have asked and written requesting proof of debt. They have yet to provide the debt. They continue to report this debt on my credit report. 

This account was sold by XXXX XXXX and no longer have claims to it.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

To Whom It May Concern : My Account # is : XXXX We closed this mortgage refinance on XX/XX/XXXX. Then on XX/XX/XXXX I was contacted by XXXX XXXX, Processor Amerisave stating that the escrow had been miscalculated and I Needed to pay {$480.00} to my homeowners policy with XXXX XXXX, which I did promptly. After closing there was a payment paid to my property tax of {$250.00}. However, I have just received a new bill for my property tax. 

To date my Insurance has not been paid and was due XX/XX/2020. I have recently received another bill for my property taxes due XX/XX/2020. I have bills for each, and have sent them to Amerisave. 

I cant seem to get any answers, while I have paid to set up an escrow account, I continue to pay my mortgage payment to Amerisave which includes {$290.00} per month to be paid for both my property taxes and my homeowners insurance, combined. My homeowners policy will soon be canceled if payment is not made. I will not pay more than I have already paid. I would appreciate it if someone would get back to me. 

It is a shame, as I had such a good experience with Amerisave twice, once that didnt work out. This however seems a bit ridiculous as we are having this conversation in XX/XX/XXXX, when we closed the loan in XX/XX/XXXX. 

Please advise, XXXX XXXX
Consumer complaint received 2021-01-12
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-12
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)

I Have been an a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( XXXX ), & XXXX. Please instruct TransUnion to remove the Discharged Ch-XXXX  Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; lease instruct TransUnion to remove the Dismissed/Closed Ch XXXX Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank you.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-11
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. (AR)

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.
Consumer complaint received 2020-06-11
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been getting charged {$20.00} per month. This has been a free account in the past. We have a mortgage with Citizens Bank that also meets the relationship requirement. I called in. I was on hold for over an hour. When the person came back on she stated she could not hear me and hung up. I would like the funds I have been charged to be re-funded. 

Thanks
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (IN)

I paid this account in a settlement I was told in exchange for the settlement the account will be removed from my credit report but it is still reporting I have tried to resolve this issue with the company directly and they refuse to talk to me by hanging up the phone.
Consumer complaint received 2021-01-12
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. (CA)

I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my transunion report. Ive contacted transunion and they say they cant remove it, only XX/XX/XXXXcan. XX/XX/XXXX says only transunion can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my transunion credit report.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group (GA)

Although I am not under contract with, have never provided a wet signature agreeing to owing XXXX XXXX XXXX for any loan, and am not on video or audio confessing student loan debt with XXXX XXXX XXXX ; they continue to report defaulted private student loans to all 3 credit bureaus. Although I graduated from college in XXXX, since XXXX XXXX has been reporting me to all 3 credit bureaus regarding XXXX loans that I never took out with them. I have sent XXXX and all 3 credit bureaus letters disagreeing with their assertion. Nothing has changed. This nuisance has drastically impacted my ability to obtain credit and financial related opportunities.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.
Consumer complaint received 2021-01-12
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)

I HAVE ATTEMPTED TO CONTACT THE THREE CREDIT COMPANIES AND THEY HAVE NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they failed to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX/XXXX  XXXX XXXX- Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX XXXX : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NM)

Hello! 
I withdrew from Cash App XXXX $ on XXXX XXXX. And I got the message that my funds will be available on my bank account on XXXX XXXX. Today is XXXX XXXX and I still have no money on my bank account on witch I withdrew. I check my mailbox and see the message that my email was unlinked from my cash app account ( they just deleted my account ). I need to get my money ( XXXX $ ), but funds wasn't withdrew, and " Cash App '' deleted my account. 
I tried to contact them - they totally ignores me. They have no Call center ( yes, they have number but when you call to them - robot just says that if you want a real agent - contact on site. I wrote letter to them, but they ignores me.