davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX AND XXXX 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. XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
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. (IL)

In XX/XX/year> I disputed the late payment from XXXX XXXX XXXX. In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

I HAVE ATTEMPTED TO DISPUTED THE INACCURATE INFORMATION WITH THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAU AND THE INFORMATION IS STILL REPORTING INCORRECTLY AND IS HINDERING MY CREDIT AND STOPPING THE PROCESS OF ME PURCHASING A HOUSE. THE ACCOUNT ISN'T SHOWING IT HAS BEEN SETTLED.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX  THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (CA)

This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.
Consumer complaint received 2019-01-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Miller, Stark, Klein and Associates (ND)

XX/XX/19 : Received voicemail stating There have been several complaints in our office and have made multiple attempts to reach you at your home address Did not receive letters at home nor do I have anything on credit report for any debts. 
XX/XX/19 : Receive multiple missed calls from same phone number XXXX ( XXXX ) XXXX, no voicemail or company information given. 
XX/XX/19 : Company calls my place of employment and gives information to an employee about myself. I return call asking to not be contacted at a business. Lady threatens to contact work again and doesnt provide any information for reason of call just that they would be serving me with paperwork. I do not feel it is legal for any company to contact a place of business and give information over the phone. Debt collectors or mediators should not be allowed to contact places of business. I do not provide any personal information at any point, it is not my debt. I do not want them calling my personal phone let alone an employer.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The identity theft inquiries still on my credit report. Equifax has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. Equifax told me it would take 90 days or less its passed that. Still on my report. XXXX for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX   about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports.

If it goes off its tXXXX XXXX fault!
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK (MN)

Based on the information contained in this complaint I feel that XXXX XXXX  is not acting in good faith with its current customers regarding the above referenced settlement. 

My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account. 

But we still have an account and XXXX XXXX  made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft. 

XXXX XXXX  letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services. 

Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.
Consumer complaint received 2019-01-11
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)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (IL)

I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX  yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

I was incorrectly charged a fee of XXXX on XX/XX/XXXX and again on XX/XX/XXXX at an atm machine listed as a XXXX atm for amex bluebird card. There should be no fee for such atm listings. I have tried on numerous occasions to view updated website listing and webpage has been inactive. All previous months this charge has been reversed when i called in. This month webpage still not working to locate different nearby location. Rep refused to reimburse claimed no longer on no charge list yet website still unavailable. Requested XXXX reimburse for 2 charges.
Consumer complaint received 2017-08-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

My complaint is in reference to complaint num. XXXX ... which is telling me they have done nothing wrong and I 'm not specific enough ... how specific do I need to be ... for one you are not aloud to charge multiple property inspection fees on the same day and still monthly ... that is called double dipping ... .for two ... you are not aloud to practice unfair ... deceptive and abusive practices on a family for 7 yrs ... and get away with it ... that is ludicrous ... .and your still doing it bc your ocwen and can do whatever you want!!! That 's even worse ... no one..and I mean no one should have to go through what your co has put us through ... i wish I never bought this home ... i would have never met you and my life would be normal ... instead of all the emotional XXXX your co has put us through ... now I want you to know I have a complete application in with ocwen for assistance ... ..i do not have a sale date as of today ... my application was faxed in on XX/XX/XXXX ... .at XXXX ... at XXXX ... and at XXXX ... .faxed 3 times to XXXX XXXX XXXX ... .a short sale was entered for the 3rd time in a year ... on XX/XX/XXXX ... .nothing from ocwen!!!! That 's fine bc they are still in their time frame but it wo n't be long ... and do n't even try and say it 's not complete or you did n't get something ... .just dont!!!! When are you guys gon na help the families that really need it????
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from XXXX, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (HI)

I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money back
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
XXXX XXXX
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX around XXXX pm EST, I spoke to XXXX in the XXXX XXXX department XXXX XXXX XXXX who informed me my XXXX XXXX XXXX XXXX account was closed due to a false fraudulent claim put in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a wire transfer was made on XX/XX/XXXX was " Fraud ''. 

XXXX # XXXX TRN # XXXX XXXX # XXXX of XX/XX/XXXX However, the attached documents prove XXXX XXXX XXXX and willingly wired those funds to XXXX XXXX AND she received 7 months of service as well as over $ XXXX in salary while also working for XXXX XXXX XXXX Sister XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Fraudulently filed this claim with J.P. Morgan only after her request for refund and program cancellation sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX was DENIED due to the contractual agreement that XXXX was not owed any refunds. She was offered an opportunity to address this civil matter in XXXX XXXX but knew she would lose so she instead LIED to J.P. Morgan and fraudulently had them STEAL money from my account. XXXX also knew she was intentionally lying to J.P. Morgan 's Fraud Department because she wanted a refund she was not owed. 

XXXX XXXX or J.P. Morgan NEVER attempted to complete a thorough investigation of this matter which would have revealed this was a " FALSE CLAIM '' against my business which has signed contracts the person knowingly and legally entered into a business contract for services with my company and received SEVEN months of service as well as was employed THREE months with my company so any claims would need to be addressed in XXXX XXXX 

The bank is not allowed to settle civil disputes NOR is it allowed to STEAL money my business earned from my account and cause my account to be shut down over a FALSE, & Not PROVEN accusation. Furthermore under several sections of the Uniform Commercial Code Law civil matters between businesses are to be handled in civil court and here in GA this could be a civil court matter as the amount in question is under {$15000.00}. 

Furthermore, this act of aggression on the behalf of XXXX XXXX was due to being terminated by my XXXX  as an employee for stealing company time and choosing to leave the XXXX XXXX XXXX However, after 7 months of participation, she has no legal right to LIE to her bank in order to get the money paid for services. 

I have also filed a CFPB complaint against my bank regarding this matter. If this matter can not be amicably resolved my legal counsel and I will pursue this matter in XXXX XXXX and all parties involved including J.P. Morgan will be sued for damages including the business interruption this theft of funds has caused and the emotional pain and suffering this matter has caused me.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.