davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX FCU XXXX 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-12
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
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. (AL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00}
Consumer complaint received 2022-10-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (CT)

Notice was sent to TD AUTO finance for debt collecting in which all call were to cease and desist until debt was verified, which is currently not verified competently. from the dates of XX/XX/22 - XX/XX/22 TD AUTO made repeated calls in access of over 65 times that were documented
Consumer complaint received 2022-04-29
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. (AR)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Card 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

As this subject was not available, this category is the closest to my situation. 

I submitted a notice on XX/XX/XXXX to Citibank regarding my questioning of the validity of a credit card account, wherein I claimed this account/contract is void ab initio until Citibank could prove its validity with a wet-ink-signed document my myself proving so. 

In this notice, I gave Citibank 20 days to respond with such proof for me to inspect proving so. It is XX/XX/XXXX, and I have yet to receive even a response, let alone the proof I'm demanding. I also stated after this 20 days has passed, and without the said proof given, if Citibank sends me any bill, account statement, or anything that is not the proof I seek, I consider this harassment and will charge a minimum of {$500.00} for every time I receive it. 

This complaint is merely to document this situation, along with a copy I will attach hereto of the actual notice I sent on the said date that I am still awaiting a reply.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America is continuing to report a 30 day late payment on my credit card, despite telling me it would be removed by the credit bureau. The late payment is showing up in XXXX of XXXX. During this time I was caring for my sick grandmother and dealing with other XXXX related medical issues, and Bank of America 's hardship policy was supposed to help consumers in situations like these by not reporting late remarks that were associated with XXXX hardships. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( XXXX # XXXX ) instructed me that the credit bureau would remove the late notation, if I contacted them directly. Based on this telephone call, I immediately contacted the credit bureaus requesting removal of the erroneous late payment. On XX/XX/XXXX, I received a response from XXXX XXXX stating they conducted an investigation and determined the disputed information was verified as accurate. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( ID # XXXX ) said that she saw the notes about the late payment and that she did not have the ability to change the credit reporting. She said that the issue was under review and a decision had not yet been reached. She said I would be receiving a call from XXXX XXXX, which I never received. 

After my call on XX/XX/XXXX, I received a letter in the mail from Bank of America, dated XX/XX/XXXX, which contradicted what I had been told over the telephone. The letter stated " We didn't identify any payment record errors related to this account. As such, the delinquency is valid. '' This letter shows that a decision had in fact been made, which was contradictory to what representatives at Bank of America were telling me.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (VA)

I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX   XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

It took me 4 months to apply for an AE credit card, and I am glad I got him. But I used it for 10 days, and the customer service cancelled the credit card because of a failed payment. I immediately called to explain the reason. The payment failed because my XXXX bank was closed. And I immediately changed another bank account to pay the money, and now I dont owe any money, and the credit card customer service at the time said in person that as long as I paid the money, she could help me reopen the credit card. I can continue to use it, but I didnt expect it to be closed the next day. I called in and asked. They only told me to re-apply, but my re-application was rejected. I only used it for 10 days and paid the {$150.00} annual credit card fee. I was very angry and felt that it was unfair to me, and the credit card customer service personally said that I can continue to use it! But it did not materialize. Need to be able to get help from your company again! Thank you
Consumer complaint received 2021-05-03
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. (MD)

I have sent my new married name to Transunion to update 2 months it still has not been update. I have credit cards and installment loans paid in full and closed but they are still reporting them open with balances. 
Transunion credit score is XXXX points lower than XXXX and XXXX and TransUnion will not give me a valid reason why.
Consumer complaint received 2018-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (WA)

I received a notice of default from Seterus, Inc. To cure the default, I paid what I owed for XX/XX/XXXX and XX/XX/XXXX and made sure the payment was delivered on XX/XX/XXXX by COB. The notice of default said to pay w/a cashier 's check or money order ; I used a cashier 's check. It said to mail the payment and gave an address, which is the address I used. I sent the payment via USPS. I have a receipt showing that payment was delivered on XX/XX/XXXX. I have the tracking number for the payment as well as a screen shot of the USPS web page that says the payment was signed for on XX/XX/XXXX before COB. And yet, Seterus shows my payment as received on XX/XX/XXXX, which would mean Seterus thinks I did not cure my default. I called and talked to a Seterus employee who verified that payment was received and signed for on XX/XX/XXXX before COB. 

I need Seterus to correct the record immediately. I have not attached any documentation, as Seterus either has it already or has access to it.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have automatic withdrawal from my bank ( XXXX XXXX - XXXX  ) to Bank of America for my home mortgage. XXXX XXXX  confirms all payments made, but XXXX XXXX  sent a ( XXXX  ) letter saying payments not received for two months. They don't answer phone. System does not work. I called. No help.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (ID)

On Thursday, XX/XX/2019 I deposited about {$800.00} cash & check into an ATM for my bank ( Key Bank ) at around XXXX XXXX. I understand that it normally takes some time for deposits to go through. Over the weekend I made 4 purchases using my paypal which is linked to my checking account understanding that the charge would take place after my money was added to my checking account. On XX/XX/XXXX I reviewed my account to see that on the XX/XX/XXXX all of the transactions went through at XXXX, including the deposit, however Key Bank decided to process the withdrawals before the deposit ( even though they all released at the same time ) and charged me 4 overdraft fees, one for  each individual purchase, at {$37.00} each for a total of {$140.00}. They then applied my deposit and subtracted the {$140.00}. 

I went in to dispute this on XX/XX/XXXX and I was told that's just the way it's going to be but that they could reverse one of those overdraft charges. This was through a teller at the front, and even though she offered for me to speak with the manager, the manager refused to see me. I feel like it was unfair for them to process the charges before the deposit so they could charge me an exorbitant overdraft fee despite the fact that all the transactions went through at the same time, and that I should have been able to get all 4 overdraft fees reversed.
Consumer complaint received 2018-02-04
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. (TN)

My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but XXXX  will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX XXXX XXXX XXXX ( A  previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX  ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX ( Never had an account ) XXXX  ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )
Consumer complaint received 2018-02-04
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. (NY)

My ontime payment went through an inactive checking account on XX/XX/2017 for my XXXX XXXX that I lease from XXXX XXXX XXXX  due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/2017 payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX  for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX XXXX  and they denied it all times!
Consumer complaint received 2018-02-04
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. (GA)

OnXX/XX/XXXX, I submitted an electronic request to TransUnion for investigation into file number XXXX - an account which I have no knowledge of. I received a response that there was an error in the investigation and that if I received an error, I should submit a request for investigation in writing. 

On XX/XX/XXXX, I submitted a request in writing for review of this file. Instead of sending an investigation response to me, they responded with a copy of my credit report. 

I believe TransUnion is intentionally failing to investigate this account because they know it to be incorrect.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-26
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 obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section
Consumer complaint received 2022-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (DE)

My husband took a second mortgage against our home several years ago. Subsequently he became severely ill and passed away in XX/XX/2012. At that point I requested a loan modification from the bank and sent all documentation related to the passing of my husband, along with dead certificate and related paperwork. I faxed the documents several times and every time they lost the docs and refused to talk to me arguing that my name was not in the mortgage. Eventually I saw protection under XXXX  XXXX and began the process of reorganization in order to take care of my responsibilities. During that process my then attorney sent the paperwork needed so that the bank could make arrangements with me personally. They exchanged some communication with me to inform me they would only deal with my attorney. My attorney continue to fax docs prompting the bank to discuss my payments with me directly. However they follow the same deceptive practice of asking me for paperwork that they would eventually lose again. Through many hardship and anxiety over losing my home, responding to letters sent to me, I made a last attempt to try and reach a resolution with them. They did not answered and went on to order the sale of my property without serving me with all paperwork related to their intentions to foreclose on my home.Tired of being mistreated, feeling discriminated by their agents I talk to the attorney general deputy XXXX XXXX XXXX. I also contacted them ( the bank ) today and spoke to XXXX ( refused to give me her complete name ). XXXX XXXX told me I needed my husband to sign an authorization in order for them to talk to me. My husband has been gone since 2012.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please