davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I disputed charges on my account and was given a temporary credit. After finding half the disputes in my favor, they found 3 in favor of this company. I gave requested a re investigation and no one would ever call me or email me so I could give my evidence as a rebuttal. The bank said they found in their favor cause they had my information. Umm thats easy I did business with this company 5 years ago. That company lied and said they spoke with my on XX/XX/XXXX and I authorized charges. I did not.. I have a voice message in my blocked messages from XX/XX/XXXX the company wanting to speak with my about my account. I blocked them because I didnt have an account. They also admitted on a recorded call they never spoke to me. The bank wont allow me to give this info. This company fraudulently sent in falsified items to the bank. I even upload proof and USAA refuses to call me. They had someone with the CEO office call me and he did nothing but talk over me and not allow me to speak. I was told someone from the fraud department would call me within 10 days from XX/XX/XXXX. That never happened. This was not investigated at all. This company called my Moms phone the other day which means they are pulling from my credit report. So thats another way they could have gotten my info. USAA will not let me speak to the fraud department at all.
Consumer complaint received 2015-06-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Hello my name is XXXX XXXX XXXX I am writing on behalf of my husband because he XXXX, Because of his situation he can not maintain his home and we are currently trying do a short sale with NationStar that is servicing the loan, NationStar has deny my short sale, they claimed that my agents was n't responding in which it is a false statement my agent have made every effect to sell my home. NationStar claims that the only way I can be able to get approved for a short sale if I participate in an online auction. They auction my property on XXXX XXXX, 2015 in which they claim that someone bided in the mid $ 300K this buyer never responded it was a waste of my time because XXXX does not know if the buyer are qualified to bid. ( I was already in contract with another buyer in which I lost because they lost the bid ). XXXX sent my agent an email saying that they will auction my property again on XXXX XXXX, 2015 and on XXXX XXXX, 2015 I email my agent a letter to send to NationStar that I deny that my property be auctioned on XXXX. In which NationStar never responded to the letter and the property was auction anyway and the short sale was denied. I resubmitted for a new short sale and they are giving me such hard time my agent submitted a offer higher than XXXX XXXX, 2015 auction. And again NationStar has not respond. I just want to get this over with, it been five month. We should n't be force to auction our property, if we already have a qualified buyer and are in contract. My agent submitted an offer on behalf of the buyer, but NationStar never counteroffer and email my agent that I will have to participate in online auction for my short sale to be approved. I think it unfair to have drag this for another couple of month. I hope you can help me in this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't know how many times that I have to explain to Transunion that this debt from XXXX XXXXXXXX NO LONGER BELONGS TO ME! THAT VEHCILE WAS TOTALED AND I PAID THE REMAINING BALANCE THERE IS NO WAY THAT THIS CAR IS POPPING BACK UP AS VERIFIED WHEN THE DEBT HAS BEEN PAID YEARS AGO! THIS IS DEFAMATION AND I AM DEMANDING REMOVAL IMMEDIATELY!XXXX I'VE REPORTED TO YOU GUYS THAT MY IDENTITY HAS BEEN STOLEN FROM ME I HAVE NO ACCESS TO MY SOCIAL SECURITY CARD. THERE HAS BEEN ACCOUNTS SUCH A MOBILE LANDLINE WHICH IS XXXX XXXX ADDED ON MY REPORT THAT I'V E NEVER OPEN. I AM A VICTIM OF IDENTITY THEFT. I AM DEMANDING AN ACTIVE INVESTIGATION TO TAKE PLACE IMMEDIATELY.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (TX)

I received a XXXX payment as beneficiary of deceased wife and I tried to have it cashed. Instead of honoring it they told me it was altered and would not return it without a police report so I filed one, as well as, a complaint with the attorney general
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Lets start by saying I couldnt request any information because they locked my account while I was on the phone with them so I could get off the phone. The call center for Bank of America is do a lot of fraud! Im closing my account & suggesting to others to close their accounts until Bank of America is going out of business! I was dealing with a death & my account was compromised! The bank did not alert me while having all forms of contact for me! I called to see what was the issues first off XXXX XXXX XXXX of the Fraud center DID NOT have any account! IVE BEEN BANKING WITH THEM FOR XXXX YEARS! 
They kept insisting like I was a scam caller asking for an account! XXXX I bring thousands of dollars in this bank that also contributes to their striving banking community to be treated like XXXX! These males who are more invested in their sexuality then learning how to be a customer service worker that they applied for! Instead of wanting to be someone they are not after locking my account has no mannerable way of speaking to customers that they helped loose my money! Then after calling back XXXX also another person confused on their selves had another problem with knowing how to help a customer! 

Point is after having to deal with the XXXX COMMUNITY JUST TO GET TO MY ACCOUNT THAT WAS STOLEN IS NOT HELPING THE BANK TO KEEP CUSTOMERS TO STICK WITH YOU! Im reporting the company on all platforms! I have been in distress about loosing my {$1500.00} & they DID NOT MAKE IT ANY BETTER!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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 2024-07-16
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. (FL)

You are illegally reporting late payments on my consumer report. In accordance with the Fair Credit Reporting Act, you have violated my rights. Under 15 USC 1681 section XXXX states I have the right to privacy. 15 USC 1681 section XXXX section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Please remove all late payments from my consumer report and refrain from breaking the law, in regard to this matter, in the future.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom This May Concern : On XXXX XXXX you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Please take note that I am carefully recording all correspondence and I am prepared to file complaints with the FTC and XXXX. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. Please remember any FCRA violation is up to XXXX per violation OR actual damages. I am emotionally distressed because of your NEGLIGENT actions! This is impacting the quality of my life. 

I look forward to your response no later than XX/XX/2024 2024
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter dated XX/XX/year> from XXXX, stating that my XXXX XXXX XXXX XXXXXXXX credit line had been reduced based on information it had received from Trans Union. It then listed the factors on the credit report from Trans Union. Of course, this information is false. 
I contacted XXXX to dispute the information listed in its letter was incorrect, and I requested a copy of the report it had received from TransUnion. 

Then, I contacted TransUnion. After going around in circles with them for two days, I finally got a real person to speak to. I told him the reason for my call. He verified that the only negative information on my credit file with them was a late payment reported by XXXX. Nothing else. I asked him to send a copy of the credit report it had submitted to XXXX. He said it would take approximately seven ( 7 ) business days. To date, I have not received such a report. 

These companies receive millions of dollars selling our personal information to the highest bidders. We get nothing in return. They want us to pay them to obtain our information. They need to be more responsible and held accountable for providing false information that adversely affects consumers ' financial status.
Consumer complaint received 2024-07-15
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. (OK)

I am a victim of identity theft and fraud due to the unauthorized use of my personal and private identifying information without permissible purpose. Please see attached documents which include : Identity theft report Affidavit of fact Letter of dispute and demand List of accounts to be blocked XXXX forms of identification Bank statement with address
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-16
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. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-16
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXXl 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 XXXX  days before the payment due date. 


XXXX, XXXX, 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 XXXX  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 XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check to my Chase Saving account in the amount of {$25000.00} in the form of Bank Check from XXXX XXXX on Thursday ( XX/XX/2023 ) hoping to put that money to a CD at Chase. ( Note : My account at Chase has {$100.00} in it ). The personnel at the bank said he will submit it immediately for clearance. Unfortunately, we got a call from the bank personnel on Friday saying that it was not cleared and that they will hold the money for 8 days. I have checked my XXXX  account Saturday night and found out the {$25000.00} was already taken. On Monday, I went to Chase Bank immediately with my wife at the XXXX XXXX  in XXXX XXXX to settle the matter. Otherwise, I will just withdraw or get back the money. Still, we were told we can not touch that money. More so, I was blocked in accessing my account online to check the balance. My big question is, why would they hold the money for so long? 

I hope you could help me regarding this matter. 

THANK YOU.