davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I initiated a transfer of {$1000.00} from XXXX to my checking account on XX/XX/2023. I never received it. After several unsuccessful attempts to resolve with XXXX customer service, I initiated a CFPB complaint. CFPB closed the dispute upon receipt of the attached letter from XXXX XXXX. 

I then filed a dispute with my bank, using the trace number provided by XXXX. Usaa responded that they traced the money to a different usaa account (!! ) and suggested that I follow up with XXXX. Neither my bank nor XXXX is able to explain how to recover this substantial amount of money.
Consumer complaint received 2023-04-24
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. (AL)

I submitted a complaint back on XX/XX/XXXX complaint # XXXX regarding Public records Case # XXXX and Case # XXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XX/XX/XXXX Transunion responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 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 XXXXXXXX XXXX/ XXXX XXXX XXXX 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a Transunion supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation XXXX  XXXX verified these Public Records and told me its not them I need to contact they are placing blame on XXXX XXXX. Now here is the crazy part I provided documentation from XXXX XXXX after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against Transunion or XXXX if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth Transunion or XXXX but get the XXXX straight because yall are defaming my character, causing me emotional stress, XXXX XXXX and costing me time and money not only that but this is past violating the FCRA law.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Mercury Technologies, Inc. (WY)

On XX/XX/XXXX, an unknown person made four unauthorized transactions for a total value of {$2400.00} on behalf of XXXX XXXX using my online debit card. I have been a victim of electronic fraud. When it happened, I was sleeping and when I woke up and saw the transactions ( 3 hours after the incident ), I immediately contacted my bank ( Mercury.com ) and XXXX to report the issue and request that they reject the operation. 

At first, both organizations asked me for more information, which I provided immediately. 24 hours later ( XX/XX/XXXX ), I received two of the four transactions back with a value of ( {$200.00} and {$800.00} ), but both Mercury and XXXX decided not to take responsibility for the situation and told me that they could not do anything. 

Mercury, after asking me for my details, wrote to me saying that it was a situation that I had to resolve with the provider ( XXXX ) and that as far as they were concerned, the case was closed, without giving me any further explanation. 

On XX/XX/XXXX, XXXX sent me a message saying that I should have the money back within the next 7-15 business days. However, on XX/XX/XXXX, they sent me another message saying that they were sorry, but they could not guarantee that I would recover the money. 

I have been a victim of electronic fraud because the primary use of my card linked to that bank account is through contactless payment ( I do not have a physical card ). 

Currently, I live in XXXX, and there are several cases of acquaintances who have experienced the same situation. 

I need help to resolve this situation and recover the remaining {$1400.00}.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RFNA, LP (LA)

My wages are being currently garnished since XXXX XXXX XXXX I am now being contacted since XX/XX/year> up until today XX/XX/year> with attempts to collect payments while I am under a garnishment order. The papers that were served, were given to a XXXX XXXX XXXX XXXX  ) and not to me as I was not home. This occurred twice. The only reason I was made aware of being served, was after I received a garnishment letter in the mail. I then attempted to contact Republic Finance several times, they ignored all calls. It is not a fair practice to serve documents to XXXX XXXX  I never received documentation that notified me of a court date at all. After tracking down the documents given to XXXX XXXX there is nowhere in the document that states a court date. Nor is it fair to call demanding payments with threats of turning the account over to collections and charge off when payments are being garnished.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Chase Claim number XXXX. I am seeking {$60.00} reimbursement for two stop  payment fees on two checks that were deposited in an ATM machine and lost by Chase bank. I had to go to the two makers of the checks and confirm that the checks had not cleared their banks ( the checks had not ) and request replacement checks. A Chase employee had told me to get new checks made and that Chase would reimburse me for the stop payment fees that my clients charged me. On XX/XX/XXXX at XXXXXXXX XXXX, I attempted to deposit {$1200.00} in cash and five checks in an ATM machine located at XXXX XXXX XXXX XXXX XXXX Fl. The ATM machine gave me the message that it was unable to process my deposit and to call XXXX. Unfortunately the ATM machine did not return the cash or the checks. Eventually the {$1200.00} in cash and three of the checks were credited to my account. I call Chase and told them that two checks and not been credited to my account. The Chase representative told me to go to the makers of the to checks and get replacement checks issued. When I asked about the stop payment fees for the two lost checks, I was told to have the makers issue the checks for the original amounts less the stop payment fees and that Chase would reimburse me. I went into my local Chase branch on XX/XX/XXXX at XXXX XXXX to deposit the two replacement checks and to get reimbursed for the {$60.00} for the stop payment fees that the makers of the two missing checks and charged me. I spoke with XXXX XXXX ( who was helpful ) he called a Chase employee named XXXX ( he would not give me his employee ID or last name He was unhelpful and rude ). He told me Chase would not reimburse me and that I should get reimbursement from the makers of the two replacement checks. I can not ask the makers of the checks to pay the stop payment fee because the original check that was issued to me never cleared their banks and I can not produce the original checks because I deposited them into a Chase ATM that I was never given credit for. I was surprised that the checks were never accounted for when a Chase employee opened the ATM machine. I did cloud the waters by not have an exact total for my deposit when I initially contacted Chase so I  was advised to estimate the total which I did at {$5000.00}. The only reimbursement that I need from Chase is for {$60.00} for the stop payment fees for the two replacement checks. The deposit I was credited with originally of {$5000.00} with a debit of {$1600.00} for a total of {$3400.00} I agree with. ( 5000 - 3400 = 1600 ) The detail of the deposit for {$3400.00} is cash {$1200.00}, check {$150.00}, check {$600.00}, check {$1400.00}. On XX/XX/XXXX I deposited the two replacement checks of {$200.00} and {$520.00}.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax allowed XXXX to report three different accounts with the same account number and XXXX prematurely charged off those accounts which violated Federal Charge Off Regulations 12 CFR 1026 Regulation Z and FCRA.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX In XX/XX/XXXX, some hack my cell phone and open up an Amazon Account in my name through Synchrony Bank. I was also blocked out of my XXXX account until XX/XX/XXXX. I had to send XXXX copies of my incense to get back into my XXXX account. When I got back into my XXXX account, I saw all these emails from Synchrony Bank about owing money on an Amazon Card. I contacted Amazon the first week in XX/XX/XXXX and told them this was a Fake account. I ask them to close the account. The account at that time was {$1000.00}. Amazon refuse to close the account because they said they could not verify it was me. The hacker used my XXXX and my phone number to open an account. Since then I have change my phone number and closed that XXXX account. I contacted Synchrony Bank Fraud department and explain to a Fraud specialist that I did not open the account. He asked for my address which was not the address on the account. At this time, three weeks in XXXX, the balance was {$3100.00}. I was sent paperwork t fill out which I did. I also included a copy of the police report I filed because the hackers had charge two phones on my XXXX account.I receive a letter today XX/XX/XXXX about a payment not going through on this account which is suppose to be closed. I called the bank and they gave me the run around again.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$30000.00} was taken from account, and bank of America has not brought the money back into the account. I filed a complaint on XX/XX/XXXX and i have not heard back. I did not make the transactions on this account.
Consumer complaint received 2024-10-09
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. (FL)

Upon reviewing my credit report, I found inaccuracies that are governed by 15 USC 16c-2. These errors are affecting my creditworthiness, and the hard inquiries were not authorized by me.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I sent a goodwill letter to Synchrony/Care Credit because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead Synchrony/Care Credit reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When Synchrony/Care Credit reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet Synchrony has damaged my credit further. I hear about Synchrony Bank damaging many peoples credit with their practices. I repeat a goodwill letter was sent to Synchrony/Care Credit - not a dispute letter.
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (TX)

IN REGARDS TO ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU EQUIFAX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH XXXX XXXX XXXX AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( EQUIFAX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Hello : I am the original owner of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX since XX/XX/XXXX. In XXXX XXXX, my family moved to XXXX, FL for work, and then to XXXX, KY in XXXX. At the high of the financial crisis, we were able to refinance the mortgage at 2.0 % ( $ XXXX ) fix rate under the XXXX. Obama HARP program via XXXX XXXX. We paid rent and the mortgage for XXXX year, before moving back in XX/XX/XXXX. In XXXX, Ditech took over the mortgage from XXXX, they immediately increased my fixed rate to 4.0 % ( {$1500.00} ), to 4.25 % ( {$1900.00} ) in XXXX XXXX and started charging me monthly fees saying that under HARP program, there was no more XXXX day grace period. In addition, the $ 800+ escrow amount for mortgage overpayments set up by XXXX disappeared from Ditech account records with no record to those funds being applied. Since,XX/XX/XXXX, Ditech has refused to apply my monthly mortgage payments, because I refused to sign a new agreement, for a XX/XX/XXXX year at $ XXXX.
Consumer complaint received 2023-04-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists