davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX Td XXXX bank charged me {$920.00}. I had spoken to an agent over the phone to a few days prior maybe XX/XX/XXXX to schedule a payment of XXXX. The agent scheduled the payment for my full balance of XXXX instead. I called td bank once I noticed the mistake was made. They told me they could not credit my account but would send me a check instead. I told them I could not wait for a check so I would just do a charge back through my bank of the XXXX. Td bank still sent out a check in the total of XXXX with the XXXX deducted, even though it was clearly instructed not to. Once the charge back of XXXX went through td bank now set my balance back to XXXX plus the check of XXXX. I called td bank XXXX and spoke with an agent for over an hour. She told me they would do a stop payment on the check and my account would reflect the proper balance and her manager would follow up with me in a week XX/XX/XXXX. XX/XX/XXXX my balance still remained the same and I called back. I spent 1.5 hour on the phone with XXXX. XXXX had to get her supervisor XXXX to help review my account. XXXX told me they again would have to send a stop payment on the check because it didn't work the first time for some reason. I went ahead and spoke to another supervisor XXXX who confirmed a stop payment was sent through it should take 48 hrs to go through and she would follow up with me XXXX comes no changes. I call back and speak to XXXX. XXXX tells me the request for stop payment was sent through on XX/XX/XXXX again but is waiting on back office to approve it. So it's been a month and they continue to not fix my balance because it's waiting on back office to approve the stop payment.
Consumer complaint received 2024-04-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I sent dispute letter along with all the relevant details and documents to Transunion by certified mail on XX/XX/XXXX and was delivered by USPS on XX/XX/XXXX at XXXXXXXX XXXX  Address was XXXX XXXX XXXX XXXX  PA XXXX. It has been more than 30 days but I didn't received any response from Transunion. Upon contacting, Transunion customer service told me that they didn't receive any documents on my account. However, USPS clearly showing it is delivered and on the postmark receipt, address is accurate. They are asking me to open new dispute and didn't helping me further to trace this confidential documents sent via certified mail to them.
Consumer complaint received 2023-06-08
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)

I am submitting my request to remove such erroneouss items on my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the following items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are fraudulent and needs to be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank closed my discount tire credit card without any notice and I found out when I went to make a payment. When I reached out they only reason they would tell me is that it was because of my XXXX report and that they had no control over closing my account but yet I still have 2 other accounts that are opened through them that I am behind on because Im going through a debt relief program. This card that they closed is not apart of that program so I have been making my payments. I have asked for my account to be reopened as this is going to affect my credit even more and they refused saying I could just open a new one. Not sure how they think opening a new credit card will help when they have already reported to my credit that they closed the account with a balance.
Consumer complaint received 2024-01-29
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. (CA)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I was sent payment for product on August 1 via VENMO. When I tried to transfer the funds into my personal checking account, they suspended my account and are holding the funds. Zero explanation has been giving nor any sort of remedy.
Consumer complaint received 2024-01-29
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (VA)

XXXX XXXX XXXX attempted to sue me for an alleged debt after multiple atmepts to get this debt validated before and after court, they still never sent me the information needed to validate this alleged debt. 

In court the judge granted my motion to compel arbitration. 

I initated the arbitration process with the XXXX, XXXX XXXX XXXX failed to comply. Resulting in XXXX closing the case. 

Absolute resolution continues to report this on my credit report monthly damaging my credit health
Consumer complaint received 2024-01-29
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. (OH)

I trust this letter finds you well. I am writing to express my concern and frustration regarding my initial attempt to remove fraudulent items from my credit report, and the subsequent lack of resolution. 

Upon discovering unauthorized and fraudulent entries on my credit report, I promptly initiated the dispute process by following the procedures outlined by Credit Bureaus. Regrettably, my first attempt to rectify this matter has not yielded the desired results. The fraudulent items persist on my credit report, adversely impacting my creditworthiness and causing undue distress. 

I understand the gravity of addressing cases of fraud and appreciate the need for thorough investigation. However, the delay in resolving this issue has raised serious concerns about the effectiveness and efficiency of the dispute resolution process. As a victim of fraud, I find it disheartening that my credit report continues to reflect inaccurate and unauthorized information. 

I kindly request an immediate and comprehensive review of my case, with a specific focus on expediting the removal of the fraudulent items from my credit report. I have attached copies of the supporting documentation submitted during my initial dispute for your reference. 

Furthermore, I seek transparent and timely communication throughout the resolution process. Regular updates on the progress of the investigation and the actions being taken to address this issue are crucial to maintaining trust in the credit reporting system. 

If the fraudulent items are not promptly removed from my credit report, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I sincerely hope it does not come to that, and we can work together to resolve this issue promptly and amicably. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (TX)

I XXXX XXXX asked the company to verify the debt by sending copy of the contract to my home address. Im not sure who the company is and they are not complying. Hopefully, I can receive some answers by filing this complaint.
Consumer complaint received 2024-01-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/23, there was a fraudulent mobile check deposit of {$1500.00} into the checking account. On XX/XX/23, there were 2 fraudulent XXXX withdrawals of {$200.00} and {$300.00}. On XX/XX/23, the fraudulent check was discovered and {$1500.00} was removed from the checking account. The XXXX transactions of {$500.00} total were left as valid which is not true.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Before volunteering to pay off credit card, I called XXXX XXXX XXXX  and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Consumer complaint received 2024-01-29
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. (CA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank sued me for an alleged debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However I disputed the debt with Synchrony Bank and they honored my claim by shutting down the account, cleared my responsibility and notify the credit agencies. Unfortunately I experienced pain and suffering from their false claim. I've had difficulty receiving credit, renting a house and purchasing a vehicle due to their mistake. This has negatively affected my life. I'm seeking {$10000.00} dollars for their wrong doing. Im willing to avoid seeking further litigation if my request is granted in the next 10 business days.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted XXXX that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called XXXX XXXX and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AR)

Attempted twice now to dispute the amount but company just sent the same notice that they intend to sue if the debt is not paid. Made a payment on the account and filed a complaint with Consumerfinance.gov as they will not allow me dispute violating the Fair Debt Collection Practices Act. Received another letter following the report that another payment is required or they plan to send to an attorney which I believe is retaliation to the complaint as I already Made a payment this month on the XXXX while I was attempting to dispute.
Consumer complaint received 2024-01-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This was never late. XXXX XXXX XXXX made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable.
Consumer complaint received 2024-01-29
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2024-01-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I recently reviewed my credit report and noticed discrepancies regarding late payments, specifically related to my XXXX XXXX account ( Account Number : XXXX ) in XX/XX/year>.
Consumer complaint received 2024-01-29
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)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address incorrect information on my credit report. Despite the passage of time, there has been no response from TransUnion. 
Details of the inaccurate information and requested corrections are as follows XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : The provided balance of {$2500.00} does not correspond to the lower amount I remember. 
Request for revision of Past Due information for a closed, charged-off account. 
Request for marking the account as disputed to prevent further negative impact on my credit score. 

XXXX XXXX Account XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ) : Clarification that this account was never late. 
Request for correction/update of inaccurate information on my credit report. 

XXXX XXXX Account XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ) : Clarification that this account was never late. 
Request for correction/update of inaccurate information on my credit report.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Consumer complaint received 2024-01-29
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. (NJ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX