davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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)

In accordance with the Fair Credit Reporting ActXXXX XXXX  Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CO)

Collection was filed in XX/XX/XXXX for XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00}. The amount in question is incorrect, as it was originally adjusted by the property manager on XX/XX/XXXX. The adjusted amount was paid in full on XX/XX/XXXX in the amount of {$930.00} in the form of a personal check and was cashed by XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX to dispute the collection and followed up with documentation of proof of payment via email. I was told to contact TransWorld Systems to handle the dispute. I have contacted TransWorld Systems 3 times via phone and twice via email. I mailed in hard copies have the proof of payment documentation to TransWorld Systems and XXXX in XX/XX/XXXX. My most recent email correspondence with TransWorld Systems was inquiring about the status of my dispute and asking for an update on XX/XX/XXXX. I have received no response. I spoke with a representative from XXXX on XX/XX/XXXX regarding this dispute. The representative confirmed receipt of the proof of payment documentation. I have provided these documents below.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Since XX/XX/XXXX, USAA has been withdrawing money from my checking account to pay for a USAA credit card ending in XXXX. I do not have a credit card with USAA. I am the only authorized user of my checking account. I have no way of knowing who the credit card belongs to. The only person who was ever associated with my USAA membership was my ex-husband, however we divorced in XXXX and he was removed as a family member on my USAA profile. I have reported this as fraud to USAA. I have made disputes and attempts to stop payment, but USAA has not provided a resolution stop these fraudulent withdrawals and return the money that was stolen from my account. I am prepared to bring this matter to Small Claims court if USAA does not offer a reasonable resolution. 

Most recently, I reported the fraudulent activity on XX/XX/XXXX in the amount of {$1000.00}. I attempted to stop payment. They replied on XX/XX/XXXX saying they were unable to stop payment because the charge was a one-time internal debit and not a preauthorized recurring transaction. They have failed to acknowledge that I have not authorized any payments for this credit card. I have reached out to member services, but am awaiting a response.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My tax refund was sent to the wrong account on XX/XX/2023 in the amount of {$3900.00} account number XXXX routing number XXXX when the deposit was made, it was never verified and following protocol to see if the account holders name and the name on the refund because if they didnt, it would have to be sent back. It was never sent back, it was deposited. It went through the Consumer received an erroneous deposit for an erroneous amount of money and close after the funds were received so when Irs Tax advocate services open my case, took my case and put out an IRS payment trace and submitting form 3911 and a letter of indemnity asking for Bank of America to send the funds back and seen that they were at fall Bank of America because they didnt follow protocols on depositing the IRS refunds and it shouldve got sent back so it couldve been mailed out from the IRS department of treasury this has been an ongoing process since XXXX there has been no resolution and the last thing that I heard on XX/XX/XXXX I check cashiers check in the amount of {$1900.00} was sent to the IRS , and it shouldve been sent to XXXX XXXX instead according to policies and procedures is now lost in the mail or lost somewhere in the system because the IRS does not have it and this was sent out on me first so I would like to get a resolution I am asking and requesting that all my funds be sent to me since I followed all policies and procedures, guidelines and timeframe, this is a financial hardship on me, my family my phone number is XXXX. My name is XXXX XXXX please get back to me as soon as you have a chance thank you and have a blessed day.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 p
eriodic 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 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank sued me for amount and had trial on XX/XX/XXXX. 
They debt belongs to XXXX since since XX/XX/XXXX. 

They are dually and illegally attempting to collect on the same debt.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ 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 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged {$49.00} for both XXXX and XXXX. My XXXX bill- there was no warning that I was under by XXXX XXXX. The representative that reached out, XXXX, is not helpful. Prefer to have someone else as XXXX is not good at finding a resolution and instead just stating I would have to XXXX up paying {$49.00} late fee despite not warning it was under by a mere XXXX XXXX. 

I also noted upon review on XXXX that there were some current customers who were indeed refunded the {$49.00} fee. How come some customers get refunded and others do not? It is an unfair practice.
Consumer complaint received 2024-06-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX and XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

* Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-07-08
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: R J Baucum Enterprises, Inc. (AR)

Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery is reporting 3 negative trade lines on my credit bureau reports. I have paid one in full that was actually owed by me. The company than added {$.00} balance and is still showing it as an open account. This is the account ending in XXXX. 

The other two accounts ( XXXX and XXXX ) are also showing as active and open accounts with a balance. After speaking to Portfolio Recovery they informed me that both debts ( which are also past the Colorado Statute of Limitations ) have been sold to another junk debt buyer XXXX XXXX XXXX XXXX. Since they no longer own this debt, they should not be allowed to report it as an actively open tradeline with a balance. 

I had previously requested that these debts be appropriately verified and validated, but was only provided with an old credit card statement. They refused to provide me wit any signed documents or contracts showing me as being liable for these debts.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (GA)

Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from Experian, XXXX and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being.

Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ Experian, XXXX, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting.

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent these letters to remove inquirys To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) and ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. Inquirie By : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX. XXXX, XXXX 2. Inquirie By : XXXXXXXX XXXX inquiry date : XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report does not include transactions or experiences. According to the U.S. code below. I dont understand why TransUnion XXXX XXXX and XXXX are reporting late payments to my consumer report, but it is clearly illegal to report transactions more specifically late payments to my consumer report. More specifically my XXXX ACCOUNTS and MANY OTHERS, Are being reported as late payments, which is clearly illegal as you are reporting transactions on my consumer report. They should say ok or paid as agreed. I want this reversed and changed immediately because my rights and the law have been violated. I am demanding that my consumer report be thoroughly investigated for all late payments from past to present and for them to be reversed, and shown as OK or paid as agreed. A consumer reporting agency does not have the authority or according to the U.S. law to report transactions or experiences. Furthermore : According to 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers Information to provide accurate Information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; These are the parameters according to U.S. law what a consumer report should actually contain. As you can see, there is nowhere where it says transactions should be included or even reported. Any transactions or experiences are to be excluded. 

I demand late payments to be removed from my consumer report and reversed to OK or paid as agreed. Any further violation of my personal consumer report will lead to prompt litigation. 

I demand all late payments, showing on my consumer report after a thorough investigation into this matter to be reversed. 

Thank You.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

I have an XXXX XXXX ( serviced by Synchrony Bank ). The credit card was opened in XXXX of XXXX. I started using the card in XXXX and started earning rewards. I've been making payments on all monthly card balances. 
I've earned, to date a total of XXXX points from the rewards program associated with this card. This is from all the purchases I make on the card. I have never redeemed any points on this card and I just keep accumulating the points for the simple reason being that there is no viable way for me to redeem them! I've been on phone calls with both XXXX and the Synchrony bank department responsible for this card for hours at a time on several calls and each time, XXXX says I have to speak to Synchrony and Synchrony says I have to speak to XXXX because it's an XXXX problem. Basically, they say that the way to redeem the points is to pay for future XXXX purchases at the checkout on XXXX however there is NO way to pay with points when I checkout on XXXX. Many other consumers have expressed this on XXXX community chats with no viable way to redeem their rewards which in essence makes these rewards fraudulent advertising. The dollar value of my rewards is now > {$2000.00} and I still can't use any of it! I am requesting a statement credit for the dollar value of my rewards and Synchrony refuses to provide this option. Both XXXX and Synchrony blame each other and keep repeating the same thing when you talk to them, " just pay using points at XXXX checkout '' however that option just doesn't exist and it's not a web browser issue either.