davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, XXXX, and or TransUnion.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (CA)

Wise.com offers a borderless account with XXXX so you can convert money to any other currency and spend it on a pre paid XXXX. 

The problem becomes when you have arrived in a foreign country like XXXX and the card refuses to work in any store or ATM. That causes difficulty if youre hoping to use it as a primary payment card. 

There is some well hidden fine print that has a list of countries the service doesnt work in, but its not obvious to find. 

The end result was all my vacation money was converted to XXXX XXXX at cost, then had to be forcibly converted back at cost, then transferred to my bank at cost for a service that could but didnt warn me that it wouldnt work for that country. 

Being in a country with no ready access to money was very scary, especially with a legal system like XXXX.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On the morning of XX/XX/2023, I learned that I was a victim of check fraud with my Chase checking account. Someone intercepted a check I had mailed to a XXXX XXXX  station in the amount of {$60.00}. The criminal scrubbed the check and changed the recipient 's name to XXXX XXXX and changed the payable amount from {$60.00} to {$1000.00}. A chase teller at a branch approved the check and gave the criminal {$1000.00} in cash from my account. I reported the fraud to Chase on XX/XX/XXXX. ( Today is XX/XX/XXXX. ) Chase has stated that because this is fraud, they will return the funds to my account AFTER they complete their investigation, which could take up to 30 days. It is obvious to anyone that " XXXX '' had fake ID and she does not have a Chase account. She and my {$1000.00} will never be found. The only thing left to investigate is the bank teller who wrongly approved the check. There is NO reason why restoring the funds to my account should be contingent upon the completion of Chase 's investigation into their teller. Multiple Chase employees have confirmed to me that this is clearly check fraud. I was victimized once by Chase when their teller gave " XXXX '' {$1000.00} from my account. I am being victimized a second time by being told by Chase that they need to complete their investigation before the funds can be returned to my account. I am a XXXX XXXX XXXX Social Security recipient and I have a ton of medical bills I need to pay. It is morally wrong and offensive that Chase has the unmitigated gall to take this indefensible, cravenly greedy position with a customer! There is no logical reason why Chase can not return my money to me immediately.
Consumer complaint received 2024-11-08
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

The company I am complaining about is Binance.us. I have been using their services for about a year. I have never before had an issue with them regarding buying and selling crypto until recently. I have kept money this exchange the entire time I've had an account with them. I have not deposited/withdrawn excessive amounts of money and only have about {$6600.00} dollars in my account. Last night, when the market was extremely volatile, I sold off my position with the intention of buying lower. But when I tried to buy back in Binance.us told me that I have to verify my identity. So I went through the process. I gave them pictures of my license front and back, and took a selfie for them. But when I tried to buy back in after verifying, my account was frozen due to pending verification. 
I understand the importance of KYC but I have been completely transparent with them this whole time. My problem is that customer support is completely non existent. Last time I put in a support ticket it took 2 months to get a response. So basically, my money is stuck in limbo, I lost my position and have currently already lost over {$1000.00}. The timing of this is very suspicious, and feels intentional. I've been trading for a year without problem and all of a sudden when the market is taking a 40 % dip XXXX cant buy back in? I cant wait weeks on end for support to get back to me or for them to verify my account. Every other exchange verifies immediately. I don't think its right that they can hold my money hostage, and spring this sort of thing on me during the most inconvenient time of the market cycle. This is ruining any chance of a financial freedom that I was hoping to gain and as a consumer I should be protected form this sort of behavior. I should at the very least be able to talk to someone in a timely manner. And the internet is filled with complaints about this exchanges business practices.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

I'm a XXXX XXXX XXXX and I've paid a collection that's on my credit from Caine Weiner XXXX XX/XX/2021 ) .I talked to them and asked how long will it take for the collection to be removed off my credit, they told me usually it takes 30days. Well I have a MyFICO app that's on my phone and I received a notification XXXX XX/XX/2021 XXXX that its been paid in full {$0.00}. But I still saw that I had a collection on my credit from Caine Weiner. So I called them and explained what's going on and there response was " well sir you'll have to call the credit bureau to fix that, well have no control over that at all. '' So as of today ( XX/XX/2021 ) I still have that collection from Caine Weiner on my credit.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 XXXX SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-09-16
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. (PA)

In accordance with the fair credit reporting act 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 a 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 instruction.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2023-02-23
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. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2022-07-14
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2024-11-12
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. (MD)

On XX/XX/2024, I submitted a goodwill request to XXXX, XXXX, and TransUnion, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information.

Despite sending certified letters, I have not received confirmation of receipt or a response from XXXX and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.

Account statements and billing history for the dates in question.

Communication records regarding any notifications of missed or late payments.

Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received a call on XXXX XXXX, phone was XXXX, the woman said she was from Capital One asking about a credit card issued to me number ending in XXXX. I told her I never had a Capital One credit card and have never applied for one. She told be she was directing me to the Fraud Dept. That woman said that my social security number was used to open this account and that the person had maxed out a debt of {$45000.00}. She said the card was issued on XX/XX/2022 to someone in New Jersey. She wanted my address and birth date and said that I would be hearing from Capital One in 6 months. Well, a week later, I get two letters, one stating that that the investigation was over and I was responsible for the amount due. The other letter dated the same date, XXXX. XXXX XXXX, was an Identity Fraud Information Form. It wanted me to send a copy, front and back, of my social security card and my drivers license. It was to be sent to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  This was regarding Account Number ending in XXXX, XXXX XXXX : XXXX. Only this time the charges were for {$38000.00}. I took these letters to XXXXXXXX XXXX where I have an account and they thought this was a scam. The numbers they gave me to call did not match up with numbers on the Capital One web site. Also, envelope address was not the same as letterhead address. Envelopes were XXXX XXXX XXXX XXXX XXXX XXXX, letterhead was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also been getting Text 's almost every day about unpaid balance on my credit card They said I have missed XXXX payments on XXXX XXXX XXXX and I should get in touch with https : //capital.oneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
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: SYNCHRONY FINANCIAL (TX)

This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.