davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I had a promotion XXXX bucks when I opened a business checking account at XXXX. I asked their representative XXXX in XXXX US Bank branch what do I need to qualify. She said just deposit XXXX in checking account. So I did it. I called customer service after 2 weeks later to ask for my XXXX bonus. They checked said I am not enrolled it the bonus because I didnt open their saying account. What? I double check with branch representative. She said everything is ok she already put code into my account. Then I went back the branch to talk with branch manager XXXX. They just reliazed they forget to help me to open the saving account. They said sorry to me they made this mistake.But she can not honor this offer to me. It is very unfair to me. They are the promotion creator. They should know the detail more than me. And if I didnt go back the branch. They still dont know either. And their attitude is not good. Why I should lost the bonus because of their mistake?
Consumer complaint received 2022-05-02
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OK)

I was approved for a government backed payment deferral program on my XXXX XXXX home mortgage due to the affects of XXXX XXXX. I followed every rule to the tee, got all my approval confirmations by letter from my mortgage servicing company, was repeatedly told I would not be reported delinquent to the credit bureaus and was able to get a modified loan at the end of my deferment. However, as soon as all the paperwork was filled out and done, the XXXX XXXX reported me delinquent with past due payments. My credit score plunged XXXX points in XXXX day. When I called the XXXX XXXX, they said they had the right to report any way they see fit, even though according to the cares act, they were not supposed to do that at the end of the program. Needless to say, this has greatly impacted my life and ability to do business!
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (OR)

BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt. 

STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.

I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.

Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.
Consumer complaint received 2021-07-07
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. (WA)

I have sent a certified letter ( Tracking number : XXXX ) dated XX/XX/2021 to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with TransUnion. In accordance with Federal Regulations ( FCRA section 609, 611 ( a ) ) TransUnion should have investigated and provided factually supported evidence and appropriate documentation or should have removed these items from my credit report within a reasonable time of 30 days. TransUnion also failed to post disputed consumer remarks in the comments section of these accounts.

Despite having sent two additional certified letters to TransUnion since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by TransUnion has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (LA)

I have unatuthorize inquirities on my XXXX  credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my equifax and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. Equifax has 2 unauthorized inquiries, from XXXX XXXX  XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/2020 my credit reports reflects a late payment with my auto loan through XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided equifax with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I went into my local TD Bank branch to send a wire money transfer to XXXX. The amount was approximately {$50000.00} us. I was told by the representative there that it usually takes three to four business days to get the money on the other end. On XX/XX/XXXX, as the money has not arrived to the destination yet I communicated with the destination bank and found out that the XXXX code that I provided was wrong. On XX/XX/XXXX I provided the correct XXXX code to TD and they said they can include that in the wire transfer to have it sent to the proper destination. Since XX/XX/XXXX I have had multiple communications with TD Bank with no explanation of why the money has not arrived at the destination until now, today is XX/XX/XXXX. The explanation that I get from TD is the intermediary bank, which TD Bank uses, has the money and they have been trying to reach them with no answer. It is very concerning to me the TD chooses to use an intermediary bank and send their clients money to and they have no way of communicating with that bank or tracing their clients money. Until this point I have no answer from TD as to where my money is. This money is used to pay a loan to my corporation in XXXX and should have been there by XX/XX/XXXX. I acknowledge that I provided the wrong Swift codes, but at the very worst case scenario if the time I was quoted earlier of 3 to 4 business days was when you have the correct information, having the wrong information and correcting it should not should not take more than double the time. It's now about 20 business days and I have no idea where the money is. The destination Bank in XXXX, XXXX XXXX XXXX XXXX does not require an intermediary bank. Unfortunately TD is blaming the intermediary bank and completely not taking ownership of their selection of that bank. At some point during the process the intermediary Bank asked for extra information which works provided immediately including my residency status, citizenship and place of birth. I find it very puzzling that a bank is asking about my place of birth for the sake of sending a wire transfer, it sounds like XXXX profiling to me. All the above information can be corroborated with the chain of emails that I had with TD Bank. I also find it concerning that TD never mentioned that they use an intermediary bank. It's worth noting that last year I sent a wire transfer using TD Bank to XXXX to a different to a different bank account using all the correct information yet that wire transfer was also delayed and I was not given a good reason.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

I have an outstanding Collection account from IQ Data International ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted IQ Data to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from IQ Data, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my XXXX report. 

Additionally, I have disputed the charge through XXXX and they have refused to remove it as well. 

I have the necessary documents to prove payment and IQ Data 's acknowledgment of the payment in full.
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Consumer complaint received 2022-08-17
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 this isn't 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 4 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 im XXXX now.with no help.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am XXXX 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.
Consumer complaint received 2020-07-24
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: Bread Financial Holdings, Inc. (FL)

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, XXXX XXXX, and Comenity Bank. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX I have contacted TransUnion and XXXX XXXX XXXX to investigate show me proof contract signature anything and have yet to be provided any information proving this alleged account belongs to me BECAUSE THERES NO WAY POSSIBLE FOR IT TO BE MY ACCOUNT Current Rating Collection/Charge-off Status Open Type Individual Unpaid Balance {$1100.00} I have been sending letters and documentation that this is not my account it is impossible at the time I was a permanent resident of XXXX and there was no way possible this account could be mine
Consumer complaint received 2020-07-24
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: BARCLAYS BANK DELAWARE (FL)

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, Barclays Bank, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
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. (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have an XXXX XXXX credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XXXX 2019 I noticed that Transunion removed my XXXXl XXXX account without my permission. 
The account is still showing on my XXXX and XXXX which is good. 

I contacted Transunion and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted XXXX XXXX and they said they are reporting to all three credit bureaus. They told me to contact Transunion. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my Transunion credit score like 200 points and I dont know what to do to fix this. 
I need some help please.
Consumer complaint received 2022-06-09
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. (NY)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}