davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a Method of Verification Letter to TransUnion for a alleged bankruptcy that I seen on my credit report when I checked it. First letter was delivered to TransUnion on XXXX. I got a response back from them on XXXX, saying that the bankruptcy was verified by the USBK Court. I sent a letter to the court clerk to see if they really did verify a bankruptcy for me to the credit bureaus or other third party companies such as XXXX and that letter was delivered to the clerk on XXXX. I got a response back from the clerk dated XXXX. The court clerk letter says, " The Clerk 's Office for the U.S Bankruptcy Court for the XXXX  District of Alabama is not a reporting agency to the credit bureaus. We do not actively report information ''. When I got this letter, I sent the verified by the court letter TransUnion sent me and the court letter I got from the court clerk to TransUnion and demanded deletion on XXXX. They got the letter on XXXX and I got response back from TransUnion on XXXX still saying that it is COURT VERIFIED, ( WHICH I KNOW IS A LIE, THE COURT CAN NOT VERIFY INFORMATION BECAUSE IT IS ILLEGAL ). So, I sent a letter back to TransUnion with the court clerk letter on XXXX and they received the letter on XXXX. I got another response back from them on XXXX saying that they will not reinvestigate something they already investigated and the letter said if I send proof like court letter etc. So, this is the reason I am filling a CFPB report. I have been going at it with this company since XXXX and now it is XX/XX/2021, going into XXXX. 5 months of this! They are standing firm with saying the Court verified this alleged bankruptcy and no other company.. The Court told me that they do not verify information with the credit bureaus. TransUnion has lied to me about how they got this information and I want it deleted because of the fact that they lied to me about information about me which is DIRECT violation of the Consumer Credit Reporting Act Laws. Again, They are standing firm on the court verifying this alleged bankruptcy and the court told me NO they do not do what TransUnion is saying that the court has did. So, I am filling a CFPB report to help get this alleged bankruptcy deleted off of my credit report on the basis of TransUnion lying to me. How can a company lie to me about how they got my information? I do not understand! I sent all of my letters certified from the post office.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yes I already talked to someone which took XXXX hours to even get XXXX of someone but the lady said I would get reinvested my {$400.00} that got took out of my account some how when I had my card on me at all times was at work when it happened from a XXXX account bill payment when I don't even own a XXXX  and only got XXXX $ back why
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (NC)

Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 1 STOP MONEY CENTERS, LLC (AZ)

In late XXXX XX/XX/20 I spoke to someone by the name of XXXX from One Stop Money Center and made arrangements to make payments on a loan from One Stop Money Center I was to receive an email with the payment arrangements during this time this was the time when everything was going on in the pandemic recently just broken out and the communication kind of broken down between us and me getting this payment arrangement set up and I didn't get an email from her then in XXXX of this year I received a notification that I was being garnished for these bonds originally I think the amount was like {$700.00} but then when I saw the garnishment it was like XXXX or something like that I reached out and advised that I couldn't afford the 25 % I sent emails I called I listing all of my expenses and showed why I could not afford the 25 % I was told that they needed to at least one girl one to show that they have at least gotten one out before they could get it signed from a judge to get it reduced this was XX/XX/XXXX is now XX/XX/XXXX and it still hasn't been reduced each time I call it's time I speak to someone they either tell me they can't find the paperwork for it hasn't been signed or it takes time or it's always an excuse or I can't get in touch with them or it's just always something I think that they are just trying to buy time so they can take the whole amount and not get it done by this time I think I only owe like another {$300.00} but to me it's the principle of the fact that I advised that I couldn't afford it I'm at the point now where I owe my sister money for my rent I owe somebody else money for my car note I'm just because I have to borrow money to help pay my bills because I'm having 25 % of my check taken out weekly and I can't afford this
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2020-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX the Company XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services. 

The scam broker pretended to be a regulated entity and lured me into using their platform through misrepresentation, manipulation and psychological techniques. 
The Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced and naive, in pursuance of illicit wealth through various fraudulent representations. 
I was affected by this scam broker in many ways. Due to being scammed for XXXX CAD, I can no longer provide for my daughter and family. My whole savings account was taken from me in a heartbeat. Especially during these hard times right now due to Covid-19 situation there is a lot of uncertainty and on top of that I have lost my hard earned funds. 
My life is no longer the same, not being able to take care of my family is very difficult and causing many family problems. Emotionally and mentally my family is very hurt. My daughter is feeling pain, I can't even get her anything, she is suffering from this as well.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (FL)

In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc. (TX)

2nd Call, XXXX2017 around early afternoon..I answered, a " robocall '', ,says, ,If I did n't call back within 24 hrs, they were going to find me arrest me, ,go to jail..First time a lady there, yelled at me saying if i did n't make good on the debit, She was going to call the authorities. It was over a Payday loan over 7-9 yrs ago. 
The amount she said was about / give or take,, {$1100.00} dollars ... I believe the statues of limitations has entered. 
I told the lady the 2nd time, ,that Payday loan was not in there records..I did check it out. 
So is this company still trying to contact me over a debt 7-9 years ago? Of the 2nd phone call, ,she did say what phone service i had..The company was out of XXXX, Ga.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX   XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX   XXXXXXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX XXXX/XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX , XXXX/XXXX   XXXX-XXXXXXXX
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I put {$4200.00} in my Cash App account and on Sat. XX/XX/2021 it was all stolen thru fraudulent transactions ( 35 ) that took place within 17 minutes. I reached out to Cash App support, which could only be done via email, and I received a response that asked 5-6 questions regarding the fraudulent charges. I provided all the information they requested and additional supporting information that they didn't request and I still haven't heard anything back. Then 2 days later, I observed money being put back into my account ( {$2000.00} ) and I had no way of transferring it to my bank account due to me having to cancel card that was linked to Cash App and I tried emailing Cash App support several times to inquire if it was them putting money back but I still haven't received a response and then money was taken back out 10 minutes later. I need help with this issue and getting my money back. Please help me. Thank you in advance.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi I am reaching out to you to get Capital One to take incorrect payments off My credit report that i have recently seen. I believe capital one is not taking my consumer rights seriously and keeps giving me the run around and playing with words in order not to help me. These payments were not late to any doing of my own.I called on capital throughout a dire time of need, Because of hurricane XXXX Damaging my property and home i let them know that I needed help in advance with my payment dates and capitalone agreed to postpone/pause my credit card payments and gave me a date and the associate that helped me assured me they would shcedule my automated payments to continue and turned out not to be true for payments XX/XX/XXXX and XX/XX/XXXX on account. I've been with capital one for over 20 years as they can tell you before this misinformation by the capital one employee which they are trying not to own up to I had an excellent payment history over the course of this time except for XX/XX/XXXX when interest adjustments didn't reflect my automated minimal balance by capital one which was my first discrepancy and had no idea about this until i capital one sent me a email which i thought was a scam stating i missed my minimum payment in which i had just seen come out of my bank which also spoke to them about and still no resolution.
Consumer complaint received 2019-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been paying on my loans for several years with occasional deferments due to internship and residency. I received a letter dated this past XXXX stating I have not made my first 12 payments on time and that a 1 % and .5 % loan credit is being retracted. I called to get information about this situation to which I was told a payment was made late. The school I am attending automatically put my account into " in-school deferment '' which I did not ask for. I called to request this be reversed. I was told it was. I made payments according to bills received and income-based payment plan. Again when starting the next class of my program I was put into " in-school deferment '' which I did not ask for. When I called I was told that is automatic and can not be reversed " until the six month deferment runs out, but you're more than welcome to make payments on those accounts. '' I have continued to make payments only to be told that one month was late ... a month that was in the middle of this in-school deferment I did not request. I was informed years ago when setting up payments that there is a " grace period '' in which to make payments with no penalty. On my last phone call I was told " there is no grace period. '' With this retracted rate, this had added approximately {$30000.00} more to my credit report and student loan debt.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (TX)

in XXXX of 2019 ditech mortgage sold my mortgage of 20 years to new/rez/shell point mortgage .resulting in catastrophic results to my credit scores! Shell point insist they have reported to all of the credit bureaus in which XXXX and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX XXXX XXXX DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with shell point AND XXXX XXXX without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a dark road. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX  that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the XXXX rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching XXXX. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.