davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

Date XX/XX/2020, Location of XXXX store : XXXX, New Jersey . 

On the date mentioned above I was falsely sold on a promotional Bogo deal as a 8 year loyal, military veteran account holding customer. On the purchase of a new XXXX XXXX which was on sale for XXXX and by adding an additional line qualified for the bogo deal, which provide an additional phone free of charge. The sales rep at the XXXX store, told me that in 2 months time I should have a bill reflecting the fee for the one phone and the credit for the promotional deal. The two months came and passed and no update was found, no letter was sent, then month three came along and I had received a letter of collections from a debt collection agency without seeing a bill reflecting my promotional credit paid. I called XXXX over 10 times prior to that and 10 more times trying to acquire a bill and it was in vain, then I went into a XXXX store in XXXX XXXX XXXX  some time in late XXXX, to see if they can handle the situation and it was in vain as well they made promises that where never kept and now its been over a year and they are still in pursuit of theyre wrongful attempt of collecting a debt not owed.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (MI)

I currently have a Target Store credit card. I received an offer by mail XXXX 2022. 
Target wanted to phase my Store card to a Target MasterCard. The letter stated I had to notify them by XX/XX/XXXX or they were going to change my Target store card to a Target MasterCard. So if I had not read the document in detail and called to stop this process, Target would have sent a card I did not want AND AT A HIGHER INTEREST RATE. This is a new practice and should not be legal. Consumers receive many credit offers by mail that require approval or activation. Consumers should not have to take any action to deny these multitudes of offers. New marketing scam from a company I used to respect.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. 

I have made all payments since the partial claim before due date and without incident. 

However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. 

This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected.
Consumer complaint received 2022-02-01
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-02-01
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. (MI)

The following items were seen on my credit report which I found some erroneous remarks in each item. Experian has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX : {$430.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX. XXXX XXXX XXXX : {$820.00} XXXX. XXXX XXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$19000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2022-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (FL)

One Main financial secured a personal loan for a large amount and used my car worth {$4000.00} to secure a {$20000.00} personal loan. I fell behind due to a divorce and have been making smaller payments. They call over 10 times a day everyday. It is disrupting my work day and causing me additional stress.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-01
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CA)

I lived in New York state and opened a TD XXXX  Checking deposit account. I tried having a portion of my payroll checks deposited into this account but was shortly unable to login to the account. I recently moved to California and was unable to login to their website- it said " there are no accounts to show. '' I called their customer service number twice and both times the representative told me the only way to resolve this is to go to a physical branch ( which they only have on the East Coast, ) and that there was no way to handle this over the phone, via fax, secure message, or via a video visit. 

It is outrageous that they are holding my money XXXX and refuse to help me in any way and that the only way to resolve this is to go to a physical branch during a pandemic.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Todd, Bremer & Lawson, Inc. (CO)

Between the dates of XX/XX/31 and XXXX the company repetitively called me. They started calling before the hours of XXXX as well. I had more than XXXX calls a day on XX/XX/31. As well as XXXX calls within XXXX minutes on XXXX
Consumer complaint received 2022-02-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

XXXX XXXX is attempting to collect through I.C. Systems. This is not mine. We have not had any services from XXXX XXXX. I use satellite for TV and Fiber for internet. I do not know what this debit is for or when it originated. I have received no communication from XXXX in regard to this debt. The first I have heard about this is a notification from XXXX that someone was attempting to collect a debt. I do not miss payments for anything. My payment history is perfect.
Consumer complaint received 2023-10-19
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NC)

I have a Corporate Bank Account with BB & T. While doing a wire transfer on XX/XX/21 with the Business Bank Manager XXXX XXXX in XXXX NC, she implored me to setup a business credit card under the corporation. As a company we wanted to have credit card references reporting to XXXX XXXX XXXX. I clearly stated that weve been in business 2 years and wanted more business credit not personal ( as my personal is XXXX score ) and I wouldnt even consider it if a hard credit pull would be performed to decision/issue the card. She assured me it would not pull my personal credit and never asked me any questions about the business or personally. She only stated that I would be notified by mail in a few days and that was it. When I left the bank, by the time I had gotten to the office 5 minutes away I had received an automated email message saying the application was denied. No reason was stated and said I would receive a letter in the mail with 7 days explaining. Within the same moment I got an XXXX alert stating a hard pull had been done on my personal credit. Ive called the local branch many times and left voicemails and XXXX NEVER calls me back. I called the main corporate number and they said that they couldnt tell me anything and said for me to wait until I received the letter by mail. I HAVE NOT RECEIVED ANYTHING! My credit report was accessed without my consent and never received anything by mail or any communication after. This is a complete fraud and Ive been victimized as a result of the shady dealings of BB & T ( now Truist Bank ).
Consumer complaint received 2022-02-01
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: JPMORGAN CHASE & CO. (GA)

I rented a car with Chase Travel forXX/XX/XXXX, in XXXX XXXX XXXX on XX/XX/2021, for {$360.00}. The dropoff time was changed, and a new reservation was issued, with a cost of {$410.00}, though this was never reflected in my credit card statement. On XX/XX/2021, the reservation was canceled ( with an official email from Chase Travel stating that the car reservation has been canceled ), and by Chase policy, since the reservation was canceled at least 24 hours before arrival, this should have resulted in a full refund. However, as of XX/XX/XXXX, the refund ( in this case, for {$360.00}, not {$410.00} ) has not been processed, despite multiple calls, multiple " reference numbers '' regarding the status of the investigation into the refund, etc. None of the people who I have called have been helpful in advancing or showing any progress in this issue.
Consumer complaint received 2022-02-01
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-08-25
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: I.C. System, Inc. (TX)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: eToro USA LLC (FL)

Last XXXX I wanted to invest {$59000.00} in the eToro USA LLC platform, said company froze my account and my funds asking to verify my identity, which I already did, I did everything they asked me to do and still they have not unlocked my funds or my account, this problem started on XX/XX/2021 and I still haven't been able to solve it, I feel frustrated, I need urgent help, I need my money, gentlemen from eToro USA LLC.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (TN)

I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me