davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
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: TD BANK US HOLDING COMPANY (NY)

I was checking my XXXX credit report last XX/XX/XXXX and found two Hard inquiries from TD Bank dated XX/XX/XXXX, XX/XX/XXXX respectively without applying or even getting in touch with them .Called XXXX to ask why they told me to call TD Bank , which I did on XX/XX/XXXX XXXX at XXXX, spoke to supervisor XXXX about the two hard inquiries which she assured me that someone will come back to me within 3 Days ( no body did ). On XX/XX/XXXX at XXXX called TD Bank, spoke to XXXX about the two hard inquiries and I tried to tell him there is a difference between hard inquiries and sharing information or reporting to credit agency, his answer was that TD Bank has the right to do so without even letting me know according to the customer agreement, so I asked for the agreement. TD Bank sent me the agreement which clearly shows they should not had made Hard inquiries. 
Today XX/XX/XXXX I found out that TD Bank had made a THIRD HARD INQUIRY with XXXX.I called TD Bank XXXX at XXXX and closed the credit card account and it was confirmed because at is at XXXX balance to end that saga. 
Now I have three hard inquiries from TD Bank for no reason and it is affecting my credit report for no reason. Please help me .THAN YOU
Consumer complaint received 2023-01-19
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. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-19
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)

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXXN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

About a year ago around mid XXXX, I paid off my car loan early due to refinancing it with another company. I contacted suntrust to inquiry about my GAP refund due to the early payoff. I was advised over the phone that I was not eligible for a refund. Im not understanding how this is possible if my GAP was included in my total balance due/ payoff.
Consumer complaint received 2020-05-05
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.0XXXX XXXX XXXX   XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (FL)

The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are Persolve and Account resolution. XXXX is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be corrected immediately. 

XXXX XXXX XXXX Balance Owed : {$700.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX XXXX XXXX Balance Owed : {$22.00} - You are reporting DELETED data from other bureaus or accounts. FCRA mandates that reporting be 100 percent correct or that the account be IMMEDIATELY REMOVED. 

XXXX XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 30 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. 

XXXX XXXX XXXX XXXX : {$0.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, latest activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away. 

XXXX XXXX XXXX XXXX : {$1400.00} - By updating the information provided, evaluate this reporting. Why is there a {$1400.00} balance showing if it is a charge off account when a charge off account should have a balance of {$0.00}? Please put a quick end to this false reporting.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

I filed an initial dispute for the XXXX  XXXX XXXX and XXXX charge on my Chase Account ending in XXXX on XX/XX/2022 because the hotel was significantly not as described. The dispute was rejected and I was asked to resubmit additional evidence and documentation to reopen the dispute, which I dutifully did on XX/XX/2022. I attached the correspondence I engaged in with the hotel and with XXXX XXXX and I provided photographic evidence along with comparing how what was promised on the hotel website was different from what was offered to me at the hotel. 

The dispute was denied again and I was told I could initiate a partial dispute, which I did pursuant to consideration of my time and the value I placed on the amenities that were missing from the hotel. This third appeal was submitted on XX/XX/2022 and I received a reply on XX/XX/2022, saying the dispute was denied again. 

This is a violation of the Fair Credit Billing Act, which gives me the right to raise billing disputes regarding goods or services that were " significantly not as described. '' The denial of my dispute constitutes a violation of this act. I have attached the documentation I sent to Chase for further review.
Consumer complaint received 2020-10-21
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. (OH)

The information for this account is incomplete and INACCURATE across Experian and XXXX. 

Reported up to XXXX on Experian with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the XXXX with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611
Consumer complaint received 2023-01-31
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. (CA)

This is my continued request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-26
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: CCS Financial Services, Inc. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains onXX/XX/XXXXand XX/XX/XXXX Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-23
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. (GA)

Dear Transunion, I am disputing an unauthorized and fraudulent inquiry on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ).

I request a thorough investigation into these inquiries and copies of associated documentation with my signature as authorization. Without such proof, I demand the immediate removal of these inquiries. 

The inquiry is : Account Name - XXXX XXXX Date Opened- XX/XX/XXXX I never provided written consent for data or inquiries to be furnished to my consumer report. Provide documentation with my wet ink signature granting permissible purpose ; otherwise, this action constitutes identity theft and fraud, violating 12 CFR 1022.3. 

Your disclosure of my personal and financial information to nonaffiliated third parties without my consent violates the Privacy Act of 1974.

Pursuant to 15 USC 1681n and 15 USC 1681o, you have civil liability for each violation, totaling {$1000.00} per instance. XXXX, as a consumer reporting agency, must respect my privacy rights ( 15 USC 6801 ).

Per 15 USC 1681 section 604, XXXX lacks my consent to furnish information. 15 USC 6802 ( b ) ( c ) requires disclosure options, which were never provided. 

I've attached the FTC identity theft report, supporting the unauthorized nature of these inquiries. Under the FCRA, you have 30 days to complete this investigation ; failure to comply is a breach of obligations. 

I expect a prompt resolution. Please acknowledge receipt of this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

Disputes were filed for two fraudulent charges in the amounts of {$5.00} and {$800.00}, both from XXXX XXXX XXXX XXXX on same date, do not have date available to me at this time. According to live chat rep, XXXX, the dispute amount of {$5.00} was closed out in my favor. However, the additional disputed amount of {$800.00} was closed in favor of merchant. I requested copies of both notices for respective charges, the rep stated he does not have an option to resend to me. I need copies of these notices for my record and police report ASAP. If copies are not available, a letter from Citibank detailing both charges and respective outcomes will suffice
Consumer complaint received 2020-05-05
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. (LA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$8700.00} DPT ED/XXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$9300.00} XXXX XXXX {$99.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-01-31
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. (CA)

This is my continued request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX 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 2020-09-04
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: Experian Information Solutions Inc. (NJ)

To the Consumer Financial Protection Bureau, Out on the three nationwide credit reporting companies, Experian is reporting  inaccuracies and lowing my credit score. I have an excellent track record with no late payments, every account has a XXXX balance and I recently had credit limit increases with all of my creditors. 

My credit score improved tremendously with XXXX and XXXX   because of my hard work. XXXX did the opposite. They continously lower my credit score dramatically with no justification. I called several times requesting to please fix this issue and to date nothing has been done. This is fraudulent activity. Im asking for your help. 

The three credit bureaus pretty much have the same information reported. Meaning, I only have five accounts listed with each credit bureau all accounts have reported to each credit bureau an excellent payment history and show my debt ratio as low or no risk. Ive worked very hard to achieve these results and Experian has committed fraudulent behavior and does not have the right to lower my credit score because they feel like it. It makes no sense. They absolutely refuse to fix this problem and I dont know where else to turn as this is hurting my fico score tremendously. 

XXXX and XXXX show my credit score as XXXX and XXXX, while Experian is showing significantly lower. This is fraud, unjust, and a violation of my rights. 

Please investigate this matter as soon as possible. 

I am asking for your help in this matter. Thank you in advance.
Consumer complaint received 2022-11-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted on XXXX, once on my personal cell phone from a private number, and then on my office number. I was informed that it was a process server, ensuring that I would be home at a certain time on XX/XX/20, in order for him to serve me. I contacted the company in which he informed me sent him, and was told that I had a loan for the amount exceding {$1000.00}, for a loan that I supposedly defaulted on. When provided the information that they had, I explained to them that I had not lived at that residence nor had I used that financial insitution during the time frame they gave me. I made an offer to help lower the amount owed, it was declined, and i was informed that they would continue on with the civil suit if i was unable to pay almost {$700.00} today. I explained that that was impossible due to work and Covid, to which he informed me that i would instead be responsible for paying {$4500.00} to {$4900.00} wiht legal fees and court costs as a result.