davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (AR)

I have a {$50000.00} CD with USBank. I telephoned USBank XXXX on two occasions to ask how I redeem my CD. I was told that my CD expired on XX/XX/XXXX and that I had a grace period to redeem beginning on XX/XX/XXXX. I was told that because I do not have a savings/checking account with USBank that they would mail me a cashier check when I called during the grace period to redeem. 
On XX/XX/XXXX, I received an unsolicited telephone call from USBank in Missouri from XXXX ( her number XXXX ). She asked me to roll over my CD. I told her that I was going to redeem the CD. XXXX told me that the only way I could redeem the CD was to either travel to Missouri ( I live in Arkansas ) to receive my money or to open an account with USBank. I am not able to travel to Missouri. XXXX said that USBank would NOT mail me cashiers check. I asked to speak to her supervisor, but the supervisor ( XXXX ) was not available and would return a phone call to me, of which at this time, I have not been telephoned. 
After speaking with XXXX, I once again called USBank at their XXXX number ( see above ). 
The customer service person, XXXX, told me that it was standard procedure for me to telephone the XXXX number during the grace period and a cashiers check would be mailed to me if I did not have a USBank account. 
I have 7 business days from today to begin a resolution on how I can get this CD redeemed. 
I also read the disclosure statement on the USBank webpage regarding their " Time Deposits '' ( C.D.s ) and it says that a CD may be redeemed, but it does not state how it can be redeemed.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (IL)

I am writing to complain to 700 CREDIT/TXXXX XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (OH)

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During Covid I was late on a few payments and I called the companies XXXX XXXX XXXX and Bank of America and XXXX and told them that we were going to be late due to the shut downs for covid. they still reported late even when I gave them the articles from the House of Representatives stating that no late payments can be reported on the credit reports during covid, Per the President of the USA
Consumer complaint received 2023-10-17
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: TRUIST FINANCIAL CORPORATION (CA)

During Covid I was late on a few payments and I called the companies XXXX XXXX XXXX and XXXX XXXX XXXX and Sheffiled and told them that we were going to be late due to the shut downs for covid. they still reported late even when I gave them the articles from the House of Representatives stating that no late payments can be reported on the credit reports during covid, Per the President of the USA
Consumer complaint received 2023-10-17
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. (FL)

I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.
Consumer complaint received 2023-03-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.
Consumer complaint received 2023-10-17
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)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-17
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. (FL)

I have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  XXXX ( XXXX  XXXX XXXX XXXX Dear Sir or Madam, XXXX, XXXX XXXX I filed a complaint against XXXX  XXXX XXXX XXXX 

Attached I have the Company response stating that no payments were received. I disagree, in addition my credit report shows one payment made. ( Attached ) In XXXX XXXXXXXX response The Company states Our service provider transmits the account status monthly to all three credit bureaus. 

How is this true when the last reporting dates XXXX, XXXX? Currently it is XXXX XXXX. This account is not timely as the FCRA regulates. 

How did you verify this account? 

I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my report, there is contradictory, incomplete, and incorrect information. 

You keeping this from me prevents me from being able to dispute errors in the best possible way. 

Where is the Payment History showing for each month what the furnisher says about the payments being on current, 30 days late, etc.? 

I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you may have on it. 

This is very frustrating to not be able to see this information that you are supposed to be providing to me. If you wont give me all of this information accurately and completely, then please delete the account. 

Thank you for your prompt attention to this matter. I look forward to a resolution that is favorable for both of us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Debt Amount XXXX Collection Company ( XXXX XXXX XXXX XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain XXXX bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of XXXX XXXX XXXX I am requesting for the original purchase agreement from XXXX XXXX XXXX, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (MS)

I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

I submitted a complaint on XX/XX/23. PHH responded asking for proof of homeowners insurance during the period of XXXX. Documents were uploaded again on XX/XX/23, received notification my documents were processed via email on XX/XX/23. I checked the PHH payment portal and still shows the incorrect amount due to the added escrow account, the monthly mortgage should be {$2100.00}, which is the monthly amount I have been paying for the last 35 monthly payments. Please fix and correct it before next month 's payment due date.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MI)

I initially applied for an income driven plan when I graduated from medical school in XXXX of XXXX. At that time, my loan servicer was XXXX XXXX, they approved my application for an income driven repayment plan. In XXXX, I was transferred to Mohela for public service loan forgiveness and continued management of my loans. When I initially logged into the site, there was no indication that I had been switched to a standard repayment plan. Given that I was mandatorily transferred to Mohela for PSLF, and had only filled out government documentation indicative of this I assumed this would be correct. In XXXX when I noted my bill for {$1000.00} instead of the {$0.00} I had been previously quoted ( I did not have a job in medical school and did not yet qualify for recertification ), I immediately reapplied for income driven repayment through FAFSA which they then chose to process but refused to bill me for in XXXX. Currently, they're charging me {$1000.00} for a month of their standard repayment plan which I did not request instead of the {$200.00} IDR loan amount. They stated its because my prior servicer did not transfer over my payment plan ; however, they never made me aware of this issue. And quite frankly, I was transferred to them for PSLF so it does not make sense why I would be on a standard repayment plan which does not qualify. This seems like fraud and them taking advantage of an opportunity to make money on one bill.
Consumer complaint received 2023-03-12
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. (NC)

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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I did business with a company name is Best Buy on the website XXXX for around 5 months and after I withrawed my money from my Best Buy account to the bank account they held it for tax payment processing process with charge rate is 25 % then i had to pay amount of XXXX for tax .After I completed tax payment they did not release my withrawal then they ask me for another payment as the deposit is used as an emergency fund for the tax rate adjusted with amount of XXXX .At this time I was run out of money to pay this deposit payment and they request me have to do it as soon as possible and if i do not complete the final payment for the long period of time, the platform will implement a freeze status on my account which will cause inconvenience to my withrawal .This time I scare and suspect this company dont want to release my withrawal even if I try to complete the final payment they will dissappear with my sum of money total about XXXX in capital .If it happen what should i do because i know about this online company very little, that is only the website for working and the fone number of the payment department that we chat each other for tax payment and the receipt of criptocurrencies sending via XXXX .So I tried to made a complaint of fraudulentnt transaction to the fake company that I made through my XXXX and XXXX XXXX XXXXXXXX banks for the refund but up to now it is still unsolved .This time I sent to them the letter of dispute to them, hopefully my complaint will be consideration, currently I was retired with a low benefit so my situation is very difficult since all my hard earned saving was lost by the fake company,