davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

XXXX of a fraud On XX/XX/XXXX my bank account got 3 cash withdrawal charges from XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Im from maryland i live in maryland and ive been in maryland the whole time this was happening. I was at work. I got home around XXXX on XX/XX/XXXX. At around XXXX i went out to go to citibank and deposit a check to pay for my car and an error message pop out at the atm. When i checked my account thru mobile app thats when i saw the withdrawals that had done. I called citibank to dispute this charges and froze my account until i get the new bank card that theyre gon na send me ans give provisional credit while they initiate an investigation. On XX/XX/XXXX i received a letter from citibank that my disputes are denied. Citibank XXXXtatedbi have possession of my card and need a PIN to use at the atm and activities on my banking is consistent. On XX/XX/XXXX they took the {$1300.00} back. This withdrawals happened in florida and im in maryland how can a person withdraw money from maryland to florida in a few hours?
Consumer complaint received 2021-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am submittng this complaint Reference no : XXXX i have asked capital one that the book balance shows for {$28000.00} short per excel work sheet I have produced and still capital one did not pay me back my money. 
this company and a shop at XXXX as not was not in book balance in which case capital one bank tried to scum over euro XXXX, so after I reported to this office out of {$28000.00}, the XXXX mall, XXXX and XXXX has refunded me in cash via my families hard work. 
I kindly request consumer finance protection office to 1 ) re request to produce hard copies for the last two years ( in which case the bank asked me to pay over {$250.00} for the statement nor willing to do a password reset by giving poor excuse to stop me from my private consumer right ) 2 ) do audit by consumer finance protection accounting expert or independent law firm accountant for this wrong doings in which case it is a federal crime to scum hard working citizens. ( I believe if ever a fair expert research many low income drivers accountant you will surprisingly find huge discrepancies which should be refunded by good standard ) so please forward this issue to be researched by your legal department or civil suit law firm to take legal action or forward those file to government legal aid for corrective measure. 
3 ) capital one bank charged my a credit card payment two times after full settlement. please forward this to XXXX  and XXXX  credit office for further legal action 4 ) capital one is still not willing to do online password reset 5 ) capital one is not willing to send me hard copies of my statement to to hinder me or lawyers from proper audit. 
so please ask this bank to refund me all my balance of {$23000.00} as soon as possible and also please take a legal action. 
thanks XXXX : please share those information with civil suit and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XX/XX/2021
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services (FL)

I denied the XXXX  and XXXX  services but was provided anyway without any explanation. I was also told I would not need to pay anything but the business that called the XXXX  would take care of it because it was their responsibility to do so. 
Also, I have got the hospital 's approval for the charge taken care of under their financial assistance program.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (OH)

ently I reviewed my credit report, and I discovered several inaccurate of my personal information such as my address, misspelling of my name, phone numbers, and erroneous accounts that must be immediately investigated. My credit report does not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : US BANK ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX ), XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Delete Address that does not belong to me : XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX  XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX # XXXX XXXX, OHIO XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (MO)

I returned items to XXXX in XX/XX/2020 I noticed that I was charged again for the items. I returned I provided Synchrony Bank the returned receipt via faxed and they continue to give me the run around stating I didnt provide it when I called customer service they said they see it my claim has been closed and re-open multiple times. They still have reported this amount to the credit bureaus have not credited my account pending investigation per letter it states. They have had more than 60 days to get this resolved.
Consumer complaint received 2021-02-15
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.
Consumer complaint received 2021-02-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (NC)

On XX/XX/2020 I sent a letter to Collins Asset Group requesting for validation for debt they say I owe so things could be handle and I can improve my credit. Its been almost a year and I have received any letters or none of my phone calls have been returned. This has been a negative impact on my credit report and has stressed me out because my wife wants me to use my VA loan for a house.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and Experian, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX  Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and XXXX, and TransUnion. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan  Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days
Consumer complaint received 2023-07-24
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. (TX)

To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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
Consumer complaint received 2021-02-15
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. (OH)

Submitted multiple disputes with Transunion on regards to. Debt validated letter received from XXXX stating they were unable to locate any account information for me in regards to the accounts placed on my credit report. I have sent in the paperwork sent to me twice and the accounts have been removed and replaced. When I call no one can give me a valid answer as to how this is being handled or why it is not been deleted or how it was validated if the creditor sent me a letter stating they didnt know who I was. I have requested a report for findings on the investigation and have not received one as well.
Consumer complaint received 2023-07-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm very outraged my disputes haven't been investigated. This isn't fair and against the law. I sent my letter on XX/XX/2020 and it's been more than 45 days and I haven't heard anything back yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes. I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I am a real person and this is angering me that they still haven't responded to my dispute I sent out over 45 days ago. Now I'm asking for help once again. I give authorization for you guys to investigate these items. Please do your job.
Consumer complaint received 2021-02-15
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2023-04-14
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. (TX)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-07-24
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name XXXXXXXX XXXX Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
Consumer complaint received 2023-07-24
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. (FL)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.