davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (SC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

I have been banking with XXXXXXXX XXXX for quite some time and on XX/XX/XXXX all of a sudden I get out of nowhere email saying that my savings and checking account were closed and that they were not going to give me my money that was left in there which was almost {$8000.00} and I have been trying to get the money back from them since then and then one person telling me they're sending me a check the other person said that they're not sending me a check that they're going to email me and I never get emails from them I don't know what to do
Consumer complaint received 2024-06-19
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: WELLS FARGO & COMPANY (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/year> I transferred XXXX  the amount of {$1000.00} from my Venmo account balance into my checking account at XXXX. I've had a Venmo account for many years and have never had a problem with this. A few weeks prior to this transfer I had lost my debit card and thought I needed to create a new profile for my debit card to be able to deposit the Venmo funds into my XXXX account. I realized later, however, that all that Venmo needed was my account number and my routing number, which was already included in a VERIFIED profile that I had been using for transfers. 

On XX/XX/year> at XXXX I transfer this money into the UNVERIFIED account that had the exact same information in it as the verified account. I never received that in my checking account at XXXX although the Venmo transaction say it was completed on XX/XX/year> at XXXX XXXX. 

Upon noticing this problem I contacted Venmo right away and had quite a lot of trouble getting any answers. They said that the amount should be in my bank account and told me to contact my bank. 

I contacted my bank and they opened an investigation to see where this money could have gone. They sent me a letter saying that they have no record of this amount coming into their bank from Venmo on or around XX/XX/year>. 

Upon getting this information I contacted Venmo again where they opened a dispute to look into this further. After months of waiting for a decision they sent me an email saying that my dispute had been denied. They believe that the money should be in my bank.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausXXXX XXXXXXXX, and Equifaxdue to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To XXXX XXXX : After filing my dispute well outside the 30-day window, XXXX recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

XXXX : XXXX responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), XXXX is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

Equifax : Equifax has entirely failed to respond to my dispute, again violating the FCRAs XXXX requirement. To date, I have not received any communication from Equifax regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of XXXX, XXXX, and Equifax to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws.

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXXC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and was disappointed with the outcome. Could you please explain the process you used to reach out to the creditor? I'm keen to understand the fair procedure you followed to determine if the disputes are valid and if the information provided are correct. Has the furnisher confirmed the accuracy of the information? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-19
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) XXXX XXXX XXXX  1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-21
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. (GA)

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-21
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (MI)

I am writing to seek assistance regarding a personal loan of {$1200.00} that I obtained on XX/XX/year>, to complete my tuition. The loan was disbursed on XX/XX/year>. Since then, I have been charged {$80.00} every XXXX weeks, totaling approximately {$160.00} per month. I have never missed a payment and have paid about {$1600.00} so far. 

Currently, I wish to clear all my debt, but the lender states that I still owe : Payment Amount : {$1000.00} Billing Cycle Charge : {$85.00} Principal Contribution : {$980.00} I feel this is unfair, as I have already paid more than the original loan amount. Despite my attempts to contact the lender via email, I have not received any response, and the bi-weekly deductions continue. 

This situation has become too burdensome for me. I urgently need your help to resolve this matter. 

Attached are the contract and my last payment details for your review. 

Thank you for your assistance.
Consumer complaint received 2024-06-21
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Their sales rep falsely sold me a phone claiming they built a new tower in my area that had service. When I received my phone, not only was it the wrong phone but it didn't get service. A new rep of theirs verified there was no tower and that it was a lie. They proceeded to send me the correct phone to try and see if it worked better and told me to activate the one they sent to use until the new one arrived.

I couldn't use it at my residence and had to drive out of the house to make or receive a call. The new phone arrived late and didn't have service either so I sent both back and was told I wouldn't be charged for the phone or the service since it didn't work properly. 

Couple months later I get a bill and try to resolve with their management who claimed the debt was valid and pressed me for the payment. It went as far as the XXXX  and their corporate office disputing it with me. This is a major company XXXX XXXX XXXX putting me through all this over {$100.00} for a phone I returned after they lied to me and caused me to give up XXXX which I quickly went back to. 

Not to mention, I gave them my trade in which was being offered {$800.00} for off any phone with all the major carriers at that time due to the chip shortage which they kept and didn't return. 

I fought this and won on every credit bureau but they keep selling the debt to another agency and it keeps coming back on my credit report which is hurting me while I'm trying to buy a car and a house.
Consumer complaint received 2024-06-19
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: State Collection Service, Inc. (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

From inception of the mortgage, finance company has been allowing XXXX XXXX XXXXXXXX of the XXXX family to unlawfully credit their account with FRNs. XXXXXXXX XXXX XXXXXXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly mortgage notes for sed property from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to Ocwen Financial Corporation Headquarters XX/XX/XXXX 1099a filing to the IRS
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
Consumer complaint received 2024-06-22
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. (AZ)

Thank you for removing some of the incorrect items from my file. However, several items still need to be addressed. I am a victim of erroneous credit reporting and am disputing certain entries that do not pertain to any transactions I have made or authorized. Please remove the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXXTransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are not recognized by me. Additionally, some of this information has been removed by other bureaus, raising concerns about its accuracy. The payment history reported on these accounts is also unfamiliar to me. As per FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to remove these entries.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

We gave a neighbor a check for {$100.00} for a high school graduation gift in XXXX of XXXX. The check was deposited into her account shortly after it was received. In XXXX of XXXX the same check was deposited a second time and was honored by our bank a second time. We noticed the check being cashed a second time immediately upon receipt of our XXXX XXXX monthly statement. We notified our bank BMO by phone and went in person to the branch around XX/XX/XXXX. We were told it happens when checks are deposited electronically and the holder doesn't destroy the original check. We were told it was deposited a second time electronically in XX/XX/XXXX. We were told the neighbor 's bank, XXXX honored the check so it was paid by our bank BMO. We were told the funds ( {$100.00} ) would be replaced in our account within the week. As of today XX/XX/XXXX the funds have not been replaced. On our second trip to BMO on XX/XX/XXXX we were told that the amount had to be over {$100.00} for it to be addressed at the branch level and our complaint had to be reviewed by a regional office. This does not give us any faith in electronic banking or even using checks if they can be misused and the bank doesn't pick up on routing numbers of checks that have already been paid.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX and i 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 in MONTHS REPORTING LATE 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. 

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 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