davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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. (NJ)

I contacted Transunion about multiple inquiries on my credit report that I did not authorize. 
I contacted them on XX/XX/20 and spoke to a very RUDE and unprofessional employee named XXXX. He refused to remove the inquiries and told me that i needed a police report. I told him that they were unauthorized and that I was not doing business with these companies, which he still refused. This happened at XXXX on XX/XX/20. 
On XX/XX/20 I reached out to Factual data and XXXX was able to file a dispute on her end with the credit agencies, but told me she was not E-mortgage managment she was just a third party client.Please help me to remove these items from my credit report, they are not recognized at all and are negatively affecting me during COVID19. I am an essential worker and a XXXX  whom should spend my time saving lives and not arguing over the phone with credit bureaus. Thank you for your time XXXX XXXX
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Citibank has closed /blocked one of my savings account right after I deposited an amount of XXXX on XX/XX/XXXX which are my total emergency funds. I reached out the next day to customer service and asked about why my account was closed and where are the funds. What they stated and have been stating until now is that the account is blocked and they are unable to release any funds until 60 business days that they finally close the account. They have taken away my online access to all my accounts, they wont let me withdraw these funds and they wouldnt help me resolve this neither by calling customer services or showing up at the branch. I have been going in circles and I am afraid I will lose this money after all the reviews I have read regarding other people experiencing the same situation with this bank and claiming they have not received their funds after 7 and 9 months or maybe never, not until they filled a complaint against the bank.
Consumer complaint received 2024-02-08
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. (CA)

I am submitting a complaint against TransUnion due to their failure to address a dispute letter I sent them on XX/XX/year>, via USPS certified mail tracking # XXXX. In the letter, I requested an investigation into inaccurate items on my credit report, including entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and two bankruptcy references. 

Additionally, I disputed incorrect personal information listed on my credit report and provided copies of my photo ID, social security card, and recent bill with my current address to assist TransUnion in verifying my identity and address. 

TransUnion responded on XX/XX/year>, stating that they received a request containing my information but could not verify its authenticity. They emphasized their commitment to privacy and security and mentioned that they would not process requests unless they came directly from me or an authorized third party. 

This response indicates a failure on TransUnion 's part to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). It is their obligation to verify the accuracy of the information in my credit report, and their failure to do so constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, and TransUnions response as proof.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (IL)

Twice I have been contacted by debt collectors on behalf of XXXX at my place of employment. To my knowledge, I never gave XXXX my work phone number nor did I authorize them to contact me at work. When this happened the first time ( XX/XX/2016 ), I called XXXX Customer Service and requested they not contact me at work anymore. I was told verbally by a representative that they would not contact me there anymore. I also subsequently canceled my Internet and Cable service with them due to my displeasure of them resorting to these tactics to collect money I owed them in addition to them repeatedly disconnecting my services for payments not made mere days after they were due. 

On XXXX XXXX, 2016, I was once again contacted at my place of employment by a debt collector seeking payment for my remaining balance to XXXX. I expressed my displeasure to the creditor and she said " I have several complaints like this ''.
Consumer complaint received 2021-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ( Account # XXXX**** Date Opened : XX/XX/2014 Balance : {$3200.00} ). This account is only being reported in on their Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX and XXXX XXXX. They removed XXXX of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (TX)

College I was attending was n't reporting all the semester hours I was taking to the student loans department. When I raised questions and went to the dean of student services I was lied to and was told different stories. I saved emails claiming I revised a incomplete for a course from last semester and was finishing up that class this semester and it did n't count. I gathered up contradictory emails from the dean of student services and my professor of the class to take to the dean of the college. I scheduled a meeting with the dean. When I went into the building with my evidence that I was retaking the course I was seated in a meeting room. After a few minutes campus police showed up aND trespassed me from campus for 1 year. I was never allowed to finish my degree and hence have XXXX plus dollars in student loan debt. I have proof I was being forced to retake a class from beginning to end. My grades were being changed on assignment sometimes going up sometimes going down. I also have evidence that the reason I had to retake the class was because the professor was n't grading my assignments correctly the first time I took the class.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (CA)

I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.
Consumer complaint received 2024-02-08
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. (GA)

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion is violating my rights I did not give written permission to report this on my credit report Account Name 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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.
Consumer complaint received 2016-07-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (CA)

TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....
Consumer complaint received 2024-02-08
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. (LA)

In accordance with the fair Credit Report act XXXX  Account # XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has Violated my rights. 

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

16 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
Consumer complaint received 2016-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CO)

I have worked diligently over the last 5 years on my credit report. Specifically, I have made every single car payment on time to TD Auto Finance for over 3 years.I decided last month to refinance so I can prepare to buy a home in the near future.I refinanced my vehicle loan from TD Auto Finance with my bank, Elevations, at their recommendation and called TD Auto Finance and advised them that I was currently refinancing with my bank and what do I need to do if anything. They said I did not need to do anything as long as I was still within my grace period of the payment due date of which I was.I am not sure the exact timeline of communications between TD Auto Finance and Elevations and of that I have no control over anyway, but all I know is that my next payment was finally due and that was due to Elevations bank of which I paid.During this time frame TD Auto Finance sent a negative report to my credit report. It is like they threw over 3 years of perfect payment history and me notifying them as to what was going on with the refinancing back in my face. Not only that but they were paid in full the amount of the loan. I have worked so hard on my credit report to have this happen and when I saw this on my report today it made me sick to my stomach. I need to know what step to take next to resolve this issue and get that negative mark off my credit report. Thank you. Respectively, XXXX XXXX
Consumer complaint received 2021-11-03
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: Onity Group Inc. (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on OCWEN LOAN ( Account # XXXX**** Date Opened : XX/XX/2006 Balance : {$0.00} ). This account is only being reported in XXXX. 
Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-02-08
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. (MN)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect amount of XXXX dollars is being requested for payment as noted by equifax for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, XXXX XXXX XXXX is supplying incorrect data to equifax reporting agency.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CT)

On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.
Consumer complaint received 2022-08-13
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. (MS)

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 2020-12-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.