davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (CA)

On XX/XX/XXXX I paid XXXX cash on my auto loan which was at 28 % in California, an amount higher and in direct violation of usry laws in my state. I paid the loan off on XX/XX/XXXX, its still open and my XXXX balance account is charging me a normal monthly payment of XXXX and they keep saying they're going to report it to the credit reporting agencies, they e told me it's closed, but when I log in to the account it shows that it's open.. this company is notorious for repossesing cars on paid accounts. They've said they would close it but No attempts have been made in over a month. They won't close it. I've called and support chatted with them 5 times in the last month. This company is a fraud and they are running my credit. How can they get away with charging me {$260.00} on an account with a I balance that they refuse to close after payoff.
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-17
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)

Equifax is reporting incorrectly a charge-off in the amount of {$710.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I challenged this account in court and won. The creditor agreed that I did not have to pay and would not be liable for any outstanding debt. This charge-off has recently appeared on my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NJ)

As per my previous complaint placed on this company regarding a XXXX XXXX XXXX XXXX XXXX and XXXX Collection on my credit report I have still never received any correspondence from the this company. They removed and sold the XXXX XXXX to a different company and kept the XXXX on the my credit report. I am reporting the XXXX XXXX XXXX along with XXXX and Attorney General. You do not have the right to no follow guidelines and do your due diligence to investigate accounts once you put it on someone credit report.
Consumer complaint received 2021-07-22
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: Mid-Atlantic Finance Co., Inc. (TX)

Mid Atlantic Finance company has not reported my two paid off auto loans to XXXX  credit bureau They have reported them to XXXX and XXXX  but not XXXX. 

It has been one year of me emailing Mid Atlantic management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my XXXX  but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by XXXX.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NJ)

i went to td bank to make an international transfer to XXXX to td bank the bank worker set it was going to be there the next day the transaction was on XX/XX/2021 for XXXX dollars and the money is not there i went to the branch on XX/XX/2021 and the manager told me international takes three to four business days today is the XX/XX/2021 i call td bank and now they are saying that its going to take 10 business days.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX-my account was froze and I was instructed by a customer service specialist to go into branch to complete a SSA89 form. I went into the branch to do so and the branch manager told me he did not know why I was instructed to do so my account was being closed and I could not access my money, then I was instructed to go to another branch on Monday XX/XX/XXXX ( I spoke with at least 3 customer service specialists ) XX/XX/XXXX-I went to another branch completed a SSA89 form as instructed and was told my account would be unfroze on XX/XX/XXXX XX/XX/XXXX-My account is still froze and I was told I did not need to complete the friendship it was required for my spouse who already completed the form when added to account on XX/XX/XXXX. I was instructed by 2 supervisors that I could remove my spouse from account, went to branch they said he needed to remove himself, he tried to remove himself just for them to say they couldnt remove him because the account is restricted. They waited until XX/XX/XXXX release my earned wages which I still couldnt access and then they decided to do an override to withdraw my funds from my account. Then I was instructed to open a new bank account because they can not remove my spouse from account. 

XX/XX/XXXX-My account has a XXXX balance although my child support payment should have cleared as of today XX/XX/XXXX as an EFT was sent to checking account on XX/XX/XXXX The whole process with Chase Bank has been a nightmare . Ive had my account with them since XX/XX/XXXX and I have never went through this with any bank I have ever held. They should not be able to give out false information and their employees are clearly not trained properly! Everyone I spoke with have all said different things and this experience has put a lot of stress on myself as well as my XXXX children.
Consumer complaint received 2021-07-22
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)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax and they received it on XX/XX/2021 via certified mailed. 
I received a letter from them dated XX/XX/2021 with confirmation number # XXXX stating that the personal information I disputed was deleted however I have check my credit report in XXXX and XXXX and the information is still on my credit report. I have contacted them several times and they assure me the information has been updated in there system but my credit report still has this inaccurate information.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalary Portfolio Account was paid on XX/XX/2021 We were told that the account would be removed from the credit as per their policy within 30 days. 
I reached out to the company and they told me that they submitted a request to update the credit as a settled account when in reality the negative account should have been deleted in full as per the policy specified on their website.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Multiple fees that they call overdrawn checking fee and overdraft service fee They are charging multiple fees for the same items. They are charging fees even if the account is brought to a positive balance the same business day.
Consumer complaint received 2022-02-19
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: Synovus Bank (FL)

On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. 
There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. 
When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. 
As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. 
the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. 

I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (WA)

On XX/XX/XXXX we received a letter from XXXXXXXX XXXX  saying that there was a levy ordered by the CaliforniXXXX XXXX XXXX XXXX of {$760.00} on our account, and that this money will be removed from our account on XX/XX/XXXX. 

We were never provided any information from the debt collector on this levy. We have no idea what debt this could be. We recently purchased a home and this debt was NOT on our credit report during underwriting. We reviewed my husband 's credit report, XXXX XXXX, and found no reported debt, and our credit scores are above XXXX. 

When we call the number provided XXXX, they gave us minor details that XXXX County in California had placed a fine on my husband on XX/XX/XXXX - my husband would have been a teenager then, wasn't living in California at the time, and his driver 's license is still in good standing - which if this was a traffic violation his license should have been suspended. 

Again, we never received ANY notice until our account was already levied.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, XXXX XXXX ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

This complaint is Part of complaint # XXXX Chase is making it impossible for me to reclaim the funds they have, Chase has told me the only way to get my funds returned is to have the company that issued the check to do a stop payment.

The Issuing banks wont put a stop payment on the checks because all the checks have already cleared and chase received the funds ... I have been on the phone with chase support for hours and i have not been able to get any where. I have emailed any Chase employee i could find to try and get this resolved. This seems like it is being done on purpose. Their are hundred of complaints about chase doing this same thing. Closing a customer 's checking account and holding the deposited funds making it impossible for the funds to be reclaimed. If i did this to chase i would be called a bank XXXX and thrown in jail for 20 years. Chase gets to do this with impunity and not only do they not get in trouble the customer either loses the funds or spends hours and hours of their time trying to rectify. 

I am really at my witts end. My bills are late. I have not paid my rent for XXXX. 


Is there anything that is going to be done about this?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2022-10-05
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. (NY)

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXXt # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.
Consumer complaint received 2022-10-05
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. (IN)

I have had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.
Consumer complaint received 2024-03-05
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. (NJ)

XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Consumer complaint received 2021-07-22
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. (SC)

On XX/XX/2021 Transunion received documents from me disputing several accounts and inquiries on my credit report. Transunion has not removed all of the accounts and inquires that I requested them to remove due to them being wrongfully reported. I have sent Transunion documents notifying them of their default and requesting them to remove the remaining accounts and inquiries. I will attach all documents
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I already send all the proof to Experian and XXXX XXXX  about all the wrong information that they have on my report, I dispute this with proof and EXPERIAN complete the dispute with out any change on this account, when I called EXPERIAN, said that they didn't change this information because XXXX XXXX  said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from XXXX? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) been reporting inaccurate information on my credit report for a long time and TransUnion failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be investigated for accuracy and corrected as immediately.