davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (IL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it immediately. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

Ever since TD went to an automated system regarding suspicious transactions, I have had countless, countless times my card has been blocked during overseas travel. Even though I have been in XXXX for 2 years now, they block it about every two months for " suspicious transactions. '' Same ATMs, amounts, dates etc. 

The last 3 months, they have blocked it each month and it's a nightmare to get unblocked. The standards change every time. 

I do not have a US phone number here. Its incredibly expensive to maintain. Sometimes they will send a code to my XXXX phone, sometimes not. 

When you have repeated incidents at this number, for the same problem and they don't fix it, leaving me in a foreign country with no access to funds, they need to be forced to make changes. This obviously is affecting more people than just me. 

It is also, in legal terms, negligence if not XXXX  negligence, breach of good faith etc.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/XXXX, I received a check in the amount of {$12000.00} from the XXXX XXXX  XXXX as a widow 's benefit payment after my husband passed in XX/XX/XXXX. The check was drawn on a Fifth Third account. I opened an account online, depositing {$100.00} into checking from another bank via debit card - savings would be funded when the check was cashed. XX/XX/XXXX, I went to the Fifth Third location on XXXX in XXXX to cash the check, subsequently receiving {$10000.00} cash and depositing {$2000.00} into savings. A few weeks later, I received a letter stating the account was locked. I had not used the account in any way at this point. I called in and spoke to XXXX who advised that they needed 2 forms of photo ID and utility bills to verify my address. I advised her, I only had my state ID, no other ID but would bring other information ( voter 's registration, husband 's death certificate, etc ). The financial advisor sent in the documents to a 'fraud ' department. Because of the hassle, I told them I was ok with them just closing the account and getting my funds back. I was advised it would take one month to return the {$2100.00} I had deposited. In XXXX, I phoned in to customer service advised the account would close on the XXXX and my funds would be sent by the end of XXXX. XX/XX/XXXX I called in and was told they could not verify the check that I cashed and would not release my funds. These are insurance benefits sent by a MUNICIPALITY ( XXXX XXXX  XXXX XXXX and the check was a Fifth Third check. I went in to the branch on XX/XX/XXXX and was helped by XXXX. She verified my documents and advised 'fraud ' that the check had cleared and my funds should be released. 'Fraud ' stated they needed more information about the check and would not release my funds. The XXXX XXXX  XXXX provided a copy of the cleared and endorsed check yet the funds have not been released. I need a HUMAN person to review what has happened on this account and assist me. I am in desperate need of those insurance funds.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a XXXX  year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

-XXXX XXXX XXXX This is frustrating and impedes the process to financially prosper. 

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 and other adverse items 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. 

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I had opened a phone account with XXXX for my ex spouse on XXXX XXXX, 2021. I made the first payment for her soon with in the next month we separated and have been going through the divorce process for over a year now she was supposed to pay her phone bill every month. I moved and have just received this bill in the mail from a debt collector. I'm willing to pay the cancelation fee to settle this, but I was unaware this wasn't being paid and if the phone was not used since XXXX shut it off and I had sent my other phone through the mail to XXXX because they had a deal on trading your old phone for a new one garranteed {$1000.00} trade value. I put the sticker I received from XXXX with address stamped on it on a box with my old galaxy note phone and dropped it off at ups to be delivered to them so I don't think I'm responsible for {$1100.00} I will pay for the cancelation fee in order to get this off my credit.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Chrysalis Holdings LLC (WY)

This complaint is for a refinance I've completed with New Day USA back in XXXX of XXXX. I was constantly receiving tons of mail from this company to refinance with them. They also sent cards pretending to be from XXXX XXXX XXXX  ( my old mortgage company ). It would state that I had funds I could recover if I contacted the number on the card. I contacted them, and they made all of these promises to improve my finances and credit. They also pressured me hard to take out equity loans. I caved in because I thought it would genuinely help me. They promised me once the equity is paid off within my mortgage, the monthly payments will decrease and so will my mortgage balance. That turned out to be a lie, and every time I tried to ask them about it, they would brush me off. 

Because I screwed up and refinanced with New Day USA, my mortgage payments are extremely high compared to my old mortgage. This is taking a toll on me financially. I then tried to set up biweekly payments with them to somewhat relieve my financial situation, but they wanted me to pay an advance. I paid that and set up the biweekly payments for the same month. When I realized the second withdrawal was a few days before I got paid again, I contacted them to see if I could adjust the dates. They stated they would have to set me back to a monthly payment, and if I wanted to set up the biweekly payments again, they would need another advance. My bi-weekly paycheck is only {$2100.00} and the mortgage payment is {$2300.00}. It eats up my entire paycheck and more. I'm at my wits end with New Day! They claim to help veterans and they do the exact opposite. I should have never let them pressure me into this situation. 

I don't want this company to prey on any more veterans. I don't want them to end up like me with an expensive mortgage I can barely afford because of misinformation and aggressive sales tactics. This is the first home I've ever owned, and the experience is now ruined for me. I should have done more research before making this mistake. I am so embarrassed and ashamed. After doing more research, this company has countless bad reviews from veterans with similar experiences as me. They have gotten in trouble for their aggressive sales tactics, high interest rates, and fees. Most of the positive reviews were most likely fabricated. I think they're even banned from doing business in some states. 

I am currently refinancing with my old mortgage company to get away from them. Sorry this is a lengthy message, but I just wanted to inform you of what's going on. 

I also reported to this issue to my state 's attorney general 's office.
Consumer complaint received 2024-03-19
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. (PA)

I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their reporting.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (IN)

In accordance to the Fair Credit Reporting Act, These accounts have violated my federally protected rights to Privacy and Confidentiality Under 15 USC 1681 : XXXX XXXX XXXX XXXX : Acct No. Unknown? 

XXXX XXXX XXXX : XXXX ..... 

15 U S C 1681 SECTION 602A : BOTH AGENCIES HAVE VIOLATED MY Privacy Rights.

15 U S C 1681 SECTION 604A ; XXXX XXXX XXXX can not furnish an Acct without my written instructions & consent. 

15 U S C 1681 c1 : No Consumer Reporting Agency may make any consumer report containing any of the following items.

15 U S C 1681 2 : A person shall not report any information related to consumer to any consumer reporting agency if the person knows or has reason to believe the information is inaccurate.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (WA)

I am responding to request for feedback regarding ID XXXX - XXXX for I could not get your web site to function. This edited letter was sent to Citi Bank on XX/XX/XXXX : Note to CFP difficult to read. What does " Citibank can attempt to obtain a credit on your behalf by returned the charge to the merchant 's bank : however ... '' even mean? Documentation of our canceled flight on XX/XX/XXXX and flights for the foreseeable future has been sent to you many times. Is there a marketable item such as a non refundable ticket for a non existent flight? Additionally, because we disagreed with your resolution, you apparently reported us to XXXX, XXXX  and XXXX  even though all disputed funds were extracted through " autopay '', completely at your discretion, from our personal checking account. What senseless bullying - hardly reflective of a respected financial institution. 
Hoping for some comprehensive resolution here, XXXX
Consumer complaint received 2024-03-19
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. (TN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2019-09-24
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. (NJ)

I have inquiries that are not mines.XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ANY MORE.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am formally filing a complaint against the a few credit reporting agencies ( XXXX, Experian, XXXX and XXXX ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Consumer Report.

I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household.

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt.

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.
Consumer complaint received 2023-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WI)

There is a collection remark on my credit report from IC Systems on behalf of XXXX XXXX XXXX for {$19000.00}. I never received any notification of this collection until it appeared on my credit report, and I have never held an account with XXXX XXXX XXXX in my name. Our account for the past 10 years has been in my wifes name and has always been paid on time. 

The collection was apparently filed against me on XX/XX/XXXX, according to my credit report, and as stated I never received notice of the debt from XXXX XXXX XXXX or IC Systems. I was not aware of this collection until XX/XX/XXXX when it appeared on my credit report. After I discovered this collection against me, I filled a dispute with IC Systems on XX/XX/XXXX and still have not heard anything from either company about this debt. 

This is a collection for an account that I never possessed or had any information on and is affecting my credit for something that is not mine.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Without a reason or cause, all 13 of my Synchrony accounts were closed. When I reached out to Synchrony all they said was based on information from your XXXX XXXX report. I pulled all 3 of my reports, all show my accounts synchrony and non synchrony in good standing, never late, never missed a payment. They have essentially crippled my credit score in the biggest financial crisis this country has ever seen. I am a XXXX veteran on a fixed income this is going to ruin my life.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (GA)

I called XXXX and Experian after I purchased a credit report with XXXX on XXXX After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XXXX I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XXXX of 2020 with XXXX  XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2024-03-16
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. 
XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.