davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Next Financial Inc. dba Copper (PA)

XX/XX/XXXX, received email that Copper was no longer active with current deposits and money would be direct deposited. 
XX/XX/XXXX, received email that as of XX/XX/XXXX the company was notified by their partner company that there was a freeze on all funds. I sent an email to support but no response. 
XX/XX/XXXX, finally chatted with a person and not a boy asking for a timeline for my childrens money to be returned as the app was a kids banking app and was told there is no timelinecould be day, weeks, months, years
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-10-26
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. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

To ensure that your company is reporting accounts XXXX % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting XXXX % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (GU)

After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-12-05
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

XXXX has 24 names on my credit file that are NOT MINE!!! 

I have called, mailed Affidavids andtried online to get these names removed!!! 

They have NOT ADDRESSED THIS ISSUE!!!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

XXXX. XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

According to 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-05-22
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. (CA)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA, XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX AUTO - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX Your agency is in breach of the law XXXX According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-22
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXX : Account Number : XXXX Account Name : XXXX # : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-05-23
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. (TX)

I recently reviewed my credit report and I was shocked to learn that i have been a victim of identity theft. I found numerous accounts that were not opened by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fradulent accounts as soon as possible. thanks in advance
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS ( Select Portfolio Servicing ) is not processing or responding to my requests, allowing property tax bills to go unpaid. SPS has been sent supplemental property tax bills for payment on 4 occasions and has made no response indicating an understanding of the problem. After the first two submissions of online tax bills, costumer service representatives assured me over the phone that they were responsible for paying the property tax bills and would make distributions from the escrow account. The representative also told me that they were correctly receiving the online documents. 

No such tax payments have been made on my behalf. Nor has the SPS responded to my request or the submitted documents. When I most recently talked with a customer service representative on XX/XX/, the representative claimed that SPS was not responsible for making these supplemental payments and that my previous submitted documents had not made forwarded to the correct department. The representative told me that these payments could be made out of escrow, but I have received no communication about not paying supplementals out of escrow since my first correspondence in XXXX. The representative said that they would forward the file to the appropriate person to make a payment from escrow. It is possible that a payment of the overdue taxes will be made sometime over the next few days, but that doesn't resolve the damage done and time wasted through this correspondence. If payment is not made by Friday, I intend to pay the County myself and hope this complaint can work as a way of providing restitution. 

Attached correspondence documents show proof of submission of documents to SPS. Additional attachments should forwarded documents along with SPS acknowledging receipt of my submissions.
Consumer complaint received 2024-05-22
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. (IL)

Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 

XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-22
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX