davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (IL)

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Ive opened an account with citi bank back in late XXXX into early XXXXHowever through the days and weeks of the open opened there were nothing going on to the point where citi bank had to close my account out of the middle of no where .Ive made regular deposits at the teller, Ive withdrawn regular money from my job, also made regular purchases that werent fraudulent or anything if that nature .One day Im in the line waiting to order food at XXXX and I go to citi bank app to unlock my card and I see that my accounts closed .This was XX/XX/XXXX, i immediately called citi bank and had to be on hold for 20 minutes before I even spoke to anyone then when I spoke to someone and explained the matter they were rude about it and never gave me a answer to why my account was closed .So the next day I go to the branch they didnt even allow me to fully talk, I said my account closed they immediately told me I had to leave the bank and they couldnt help me then I went to other branch where they sat me down for 30 minutes just to say the same thing .So now for the last 60 days Ive been calling and going into branches and dealt with nothing but attitudes and disrespect with no help .Now finally last weekend Monday Ive spoken with a supervisor on customer service and she had told me that a check was already written in my name for them to send over to me for the remaining balance in my savings account where all my money was .So she told me itll be to me by last weekend and it still hasnt came .So Ive called all last weekend and this weekend now I call this week they have no check in my name and they have to send me a verification to verify that it was me they were talking to and everything .Ive still never gotten a reason to why my account was closed now over 69 days and theyve been lying about my check being sent to me in the mail .Citi bank is the worst bank in the world please stay away from them.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX 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 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 antedate 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 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (IN)

I am overwhelmed with payday loans and unable to stay current on my car payment, electric and rent. The interest rates are compounding and I have had to take out more loans to pay off the current ones. 
Speedy Cash is threatening my arrest through the XXXX if I dont repay.
Consumer complaint received 2023-09-18
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 (OH)

I have been trying to pay off this TD Bank account since I opened it. They keep telling me that they are charges pending. It has been over 2 months. They show my balance as {$0.00} and minimum payment due as {$0.00}. When I called them initially, they said to wait until the order was fully delivered. All items have been delivered 2 months ago. Last time I called was on XX/XX/XXXX  at XXXX and I was told that I needed to call the XXXX XXXX and ask them to push the charges through. It continues to be a back and forth. This is my final attempt to pay these people. This is ridiculous.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX This Letter is in Reference to Late Payment with Account Number [ XXXX ] I was affected by extreme financial hardship and medical problems ; I became seriously behind on several bills. While I normally make great efforts to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. 

Under the 15 U.S.C 1681 Law there should not be any damages on my report, and it is a defamation of character. 
I have since gotten on track and brought my account up to date with your company. 

I am now trying to get a loan for my Business, however i am having difficulties receiving an affordable rate. The impact of having late payment on my credit file. I am hoping that your organization can consider removing this late payment from my credit report as a gesture of goodwill. this kind gesture would since be appreciated.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a target credit card. On XX/XX/XXXX, I called Target and paid the balance in full over the phone. They returned the money, and I was not made aware of this. On the phone they accepted my full payment of {$240.00} I wasn't mailed information on this until the XXXX of XXXX, at which time my credit report had already been reported as late and my credit score dropped over XXXX points. I found this out when I went to Apply for a mortgage in early XXXX, then I was told my credit score which was once in the 740 's was now XXXX. I was mortified. I called Target card and found out what was wrong and paid my account in full. This is not fair, and it is costing me a lot of money by having to now obtain an FHA loan. You can see from my credit that I have perfect credit history. The way that target handled this had disparate impact on my family. I would like this negative reporting removed immediately.
Consumer complaint received 2023-05-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my federally protected consumer 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. 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
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. (GA)

All the major credit bureaus have continued to disrespect existing laws regarding my case. I have showed them multiple times of how they have been inaccurate in their reporting, and as such are violating the Fair Credit Reporting Act.

The law regarding article 15 USC 1681i ( 5 ) of federal law, credit bureaus have to modify or delete accounts that are not reporting accurately.

These credit bureaus have violated article 15 USC 1681b ( 1 ). They have had no written permission to report inaccuracies.

As an American Citizen, Article 15 USC 1681 provides me with privacy rights and protections.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The law is clear regarding in this regard and the credit bureaus have shown no respect for the laws of this land.

Just as the little guys is held accountable for thier action, equally NO ONE IS ABOVE THE LAW.

I am asking for help from CFPB to help straighten my case.
Consumer complaint received 2023-05-10
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. (GA)

All the major credit bureaus have continued to disrespect existing laws regarding my case. I have showed them multiple times of how they have been inaccurate in their reporting, and as such are violating the Fair Credit Reporting Act. 

The law regarding article 15 USC 1681i ( 5 ) of federal law, credit bureaus have to modify or delete accounts that are not reporting accurately. 

These credit bureaus have violated article 15 USC 1681b ( 1 ). They have had no written permission to report inaccuracies. 

As an American Citizen, Article 15 USC 1681 provides me with privacy rights and protections. 

According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The law is clear regarding in this regard and the credit bureaus have shown no respect for the laws of this land. 

Just as the little guys is held accountable for thier action, equally NO ONE IS ABOVE THE LAW. 

I am asking for help from CFPB to help straighten my case.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

Dear Sir/Madam, I am experiencing financial hardship due to a cut in my hours. I fell behind on my rent payments and was drowning with bills, I'm a XXXX XXXX XXXX XXXX XXXX and I have no financial help. During the time of not paying rent I had been trying to help my parents and my hours were significantly cut at work, I was barely making it, the company I work test students and staff at colleges, residential homes and offices for covid and im a collecter but my hours were cut due to budget cuts and because the covid numbers were getting low they didn't need us to test for covid. 
During that time my dad got very ill and was unable to work and I was trying to help my parents so they didn't lose their place and in doing so I lost my XXXX XXXX I lived at for over 6 years. Everything was happening all at once and I was unable to control the situation. I was trying to make sure my kids had food and a roof while also making sure my parents were okay, I hope you can forgive the balance I owe. I am trying to get back on track and catch up, it has definitely been a huge struggle that I hope to get out of. 
Thank you, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc. (NY)

I am using HireRight for a background check. I have sent over XXXX documents for XXXX employers for verification, both public schools in New York XXXX. I have sent XXXX from from the school and transcripts from the IRS. There is an issue with each document. No one will tell me what the issue is. I have spent over XXXX hours with customer service and they read a script, repeat the same things over and over and provide no information or support. I have sent over XXXX emails, and every response is exactly the same but from a different representative. They have asked for a XXXX form from over 10 years ago which is illegal. They said they could not contact XXXX of my employers ( a public school ) that they called in the summer on a Friday night at XXXX. I can not get anyone to help me complete the needed documents nor can I find anyone to answer questions.I am at a loss. I am a XXXX XXXX XXXX and I have passed a background check before, with this company, XXXX years ago!! This is really unacceptable!
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NC)

I need a new online checking account for myself so I decided to apply for one as a US citizen but anytime I apply my application gets denied even though the company has pulled my credit report with a hard enquiry. I am confused why I am been denied.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (DC)

I just received my new credit report for XXXX and I found quite few auto Accou

nt Review Inquiries on my credit file that wasn't authorized by me. This is the list of th
em. 

WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

On Friday, XX/XX/XXXX, I contacted IQ Data about a settlement offer. The representative offered 90 % which was actually 10 % off of the balance. I have left multiple messages for a manager to contact me regarding my account. The balance owed is not correct. They are charging interest. The customer service representatives are not helpful. I can not register to make a payment online and I am trying to resolve this issue. On XX/XX/XXXX, I also talked with XXXX XXXX and he indicated that my account has to be paid in full and communicated that they dont have to give me a settlement or accept payment arrangements. He also indicated that the payment arrangement were no longer valid because I declined. He told me to use my credit card or ask family. Moreover, I requested to speak to a manager about this on today. I am being transferred to a voicemail but no one is calling back. XXXX was not helpful at all. I emailed compliance regarding this but no one has responded.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

I was running behind a few months in XX/XX/2023 I called to make a payment fay servicing told me that they can't take a payment since my account is pass due by XXXX I asked them how if my payment is only XXXX a month they said my escrow went up and I had to pay the full amount or I can apply for XXXX XXXX, that it will take them 30 days to review I went ahead and applied for that sent them everything needed. They never once followed up with me I made calls and they will tell me everytime there missing something. I kept sending in documentation but no answer. Finally I got XXXX XXXX involved and as soon as they got involved I was told my loss mitigation wasn't approved because I didn't have a sufficient income and that I can appeal. After that I have made numerous attempts to contact them they will not respond, even for a reinstatement.
Consumer complaint received 2023-04-25
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. (CA)

This complaint is my follow-up complaint to ensure that the items in my file that appeared to be fraudulent are deleted ultimately. 
Please delete the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2023-05-10
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-05-10
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: SUNRISE CREDIT SERVICES, INC (FL)

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with Sunrise credit services. They did not provide me with the original application like i asked and keep sending me automated responses
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 items, 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.