davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (AL)

Wrong information on the credit report. Will not show me the documents were I owe the following companies. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't own any of theses accounts.
Consumer complaint received 2024-05-06
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. (TN)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to bring a distressing situation to your attention concerning Synchrony XXXX XXXX. 

Towards the end of XXXX, I made a purchase with Synchrony XXXX XXXX, and I was assured that it would be a 0 % interest rate transaction. To streamline payments, I activated automatic payments and diligently ensured that every charge was promptly settled. There were no missed payments or discrepancies. 

However, my concern arose in XX/XX/XXXX when I realized that I had not received any statements from Synchrony XXXX XXXX since that time. Additionally, I have not received any emails from them since XX/XX/XXXX. Disturbed by this, I accessed my account and discovered an unexpected interest charge of {$1100.00} on XX/XX/XXXX, despite having a balance of around {$800.00} at that time. 

Since that date, I have been subject to monthly interest rates with astronomical figures. Astonishingly, my current balance has now exceeded the initial purchase amount, even though I have diligently fulfilled all payment obligations. 

Compounding the issue is the lack of communication from Synchrony XXXX XXXX. The absence of statements and emails has made it challenging for me to monitor and address this situation promptly. 

I contacted Synchrony Bank on XX/XX/XXXX about this issue. They said because the promotion had expired, I was charged a 30 % interest rate based on the balance at that time. I have never been informed about this expiration. I have never heard or received any notification/statement or other form of communication from Synchrony for more than a year. 

I am seeking the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and take appropriate measures to rectify the unfair interest charges imposed on my account. 

Your swift attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Sincerely,
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX, I opened a checking account, a Savings account at the same time. The bank said if I set up direct deposit within XXXX  days of coupon enrollment, I would receive {$900.00} bonus. ( See photo XXXX ) .When I opened my checking account, the bank staff XXXX XXXX XXXX said he can help me to set up the deposit ( see photo2 ). He did not say I need to follow up or I need to check anything. I waited and waited till early of XXXX, I still didnt find the bonus deposited in my account. I went to the bank, XXXX then told me the set up process failed and I need to set up myself. I said XXXX months almost passed, will I still get my bonus, he said the bank will still give me the Bonus. ( Another bank staff, his supervisor named like XXXX was onsite and she also said that ). I hurried up and set up direct deposit. On XX/XX/XXXX, the first direct deposit amount showed in my checking account. I went to the bank and talked with XXXX, very unexpected for me, he said my direct deposit wasnt set up within XXXX days of coupon enrollment. I went to the bank several times, tried to explain the situation with Another bank staff XXXX XXXX XXXX and last talk with the bank manager, all of them said because my direct deposit set up was over XXXX  days of coupon enrollment, I couldnt get the {$700.00} Bonus. Please tell me, is the bank decision fair to customers like me? 

( Photo XXXX ) ( Photo XXXX, the bank set up direct deposit for me! )
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MN)

I purchased skincare products from XXXX XXXX XXXX The transaction was completed on XX/XX/23 in the amount of {$56.00}. On the same day, I was charged a foreign transaction fee of {$1.00}. When I noticed the foreign transaction fee I called US Bank and asked why I was charged this because it was a XXXX XXXX website and all products are listed in U.S. dollars. US Bank told me it was their policy to do so because XXXX is a XXXX  company. US Bank said if I had used my other credit card they would not have charged me the foreign transaction fee. I asked if they would refund this fee. They declined. Are consumers expected to research what country a company is based in when shopping online in order to avoid foreign transaction fees?
Consumer complaint received 2024-05-07
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. (NV)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

On XXXX XX/XX/2023, Chime suspended my account. I had tried to transfer an amount under {$5000.00} to a different savings account, Chime then suspended my account and asked me to submit documents to verify my account. 

I submitted these documents 3 times on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX They do not get back to me. Customer service is not helpful at all mentioning i need to contact some " specialized team ''. it has been just under 3 weeks I do not have a payment method because of which I am financially on my last leg.
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (KY)

Theres a huge mistake in my credit report with the company P & B CAPITAL GROUP LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who obtained a supoused debt from XXXX XXXX ( Retail ), i disputed this with XXXX because as you can see in my credit report i pay all my bills in time, have never been late with anything, i take good care of my credit so i started digging and seems to be a furniture store that deliver some things to my old address. Im not sure what is going on but i can assure this debit is not mine.and it needs. the company needs to investigate this further and see who is responsible from that debt because is showing in my report with a lawyer and collection agency and like i said before i have never missed a payment and my credit history shows it. i just finished paying off a vehicle that i had years left to pay but i dont like to have debts so i paid it off. please investigate this matter and correct this as possible. 
because the credit agency that is reporting this only says the company says is a valid debt. It is not mine or valid from me please help
Consumer complaint received 2023-11-08
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
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 2023-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (NC)

This complaint is for Nation Service Bureau or NSB. I was contact by phone first. The woman stated that I had an unpaid claim with StateFarm insurance from an accident I was in earlier this year. I called back to get information and the call was not returned. I got a letter in the mail next with claim information stating I owed XXXX for a subrogation claim. I called the number on the letter and the woman harassed me and threatened to suspend my license if I didnt pay her for the claim. She read off information from the police report that is part of public record. I contact XXXX and they confirmed there are no open claims under my name. I even contacted my insurance company ( XXXX ) to ensure there was no balance on their end.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

CFPB and LVNV Funding has closed this investigation as a duplicate debt, however the Collection agency continues to avoid submitting documentation that proves this debt is owned by LVNV Funding and has a right to collect or place derogatory information on my credit report. I am requesting AGAIN all documentation from ORIGINAL creditor. In addition, PROOF of ownership such as BILL OF SALE that gives LVNV Funding the right to request any amount of payment from me when the debt they purchased was made in a bulk sale to the creditor. It does not include me and I do not owe LVNV Funding or its subsidiaries any money as a result of this debt. 

If I do not receive the BILL of SALE or FINAL proof this debt is validated as a debt I owe I will sue both LVNV Funding and its subsidiaries in the amount of {$1000.00} in compensatory damages for every complaint submitted to CFPB, and include {$50000.00} in punitive damages. I will add CFPB as a co-defendant for allowing this collection agency to continue to report information on my credit report in violation of its own policy. The credit has failed to obtain the original documents and has relied on copies of documents that may be altered, insufficient, and do not complete for the purposes of validating and verifying if the debt is known or unknown to the debtor and the creditor for that matter. The creditor does not have enough information to identify if the debt is valid. 

Finally, I am requesting under section XXXX - Proof of record retention. All documents retained as of last activity ( XX/XX/2023 ). Documentation of collection activities made by the creditor. Copies of documents provided to the consumer as evidence that the debt collector provided the information required by section XXXX and XXXX. Communication of collections and communications that you were in good faith attempting to collect the debt in recent months ( after last investigation ) instead of placing the derogatory information on my credit report without providing proof of debt and collection efforts creating dormant or ghost debt. 

They are also reporting a balance on a debt that I do not owe. I want proof that I owe LVNV Funding payment.
Consumer complaint received 2024-05-07
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)

This account was charged off on the following date XXXX, 2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account Number XXXX
Consumer complaint received 2023-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My TIAA HELOC ( serviced by XXXX XXXX ) was taken over by Everbank ( still serviced by XXXX XXXX ) and on XX/XX/2023 I received an email saying that the newly designed mortgage website had launched that that it would include, " improved user experience, enhanced tools and features, secure statement storage ''. But when I tried to make a payment to principal on my HELOC it said that was not available. I called customer service that they stated that when the HELOCs were transferred, they failed to include the payment option. I was able to make the payment over the phone. Then, the cyber attack happened and I was locked out of my account for a week. When the site came back up on XX/XX/2023, I logged in to find out what my interest only payment would be, but the website again showed {$0.00} and no ability to make a payment. On XX/XX/2023 the interest payment of {$3600.00} was deducted from my checking account. I can't even access my banking info, in terms of what account is linked and if autopay is even set up. Only after poking around and locating my statement did I see that was where the amount was listed. Ever since XXXX took over servicing this loan from TIAA, my access to my HELOC and ability to make principal payment has gotten more and more difficult. I feel this is in breach of the agreement that TIAA made with me when I got my HELOC with them. I was supposed to be able to make payments online anytime. This process has only gotten more difficult as time has passed. I just want Everbank to hold up their end of the agreement and give me the access that was promised. Which is : the ability to fully service my account online by being able to make payments whenever I need to, and be able to manage my linked bank account online.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (OK)

TD auto finance has been charging me a return fee of {$30.00} every month. They failed to tell me that my bank account had to be a personal account in order for it to be used as a form of payment. I have been using my business checking account which has my name on it as well. The charges get returned, then they charge me {$30.00} for returned payment when in fact I have enough to pay off the loan multiple times over. Then on top of that, they charge me a late fee because the payment didnt go through due to them withholding crucial information regarding the type of account that needs to be used to make the payment from. I called customer service at XXXX on XX/XX/2023 and representative told me that thats why you have those fees. You should use a personal account I asked how was I to know. She started saying well I mean *** you can see on all those dates when I paid, there was sufficient amount in the account. The payment was also processed and posted to the account in XXXX. So it seems to me that they are intentionally not taking the money and claiming that payment is being returned so they charge the fees. 
***** See attached photos. 

I have been charged hundreds in unjust late fees and return fees. Any help is appreciated
Consumer complaint received 2018-10-21
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. (GA)

XXXX XXXX XXXX XXXX Payment History Changed 93 % 100 % On-time payment percentage as of XX/XX/2018 On-time payment percentage as of XX/XX/2018 Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

The XX/XX/2018 payment status for your XXXX XXXX XXXX XXXX automotive account was updated from " 30 days late '' to " current ''. 




This is what my report read recently, yet recently the late payment was re-inserted and I was not notified within 5 days and in writing which is F.C.R.A. law I want it removed, and not re-inserted again ... as I have provided proof, a letter from XXXX XXXX, and was told that you need to update your records ... and refrain from using XXXX outdated verification and refrain from stating that they verified when they did not ...
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2023. I XXXX XXXX and account holder at Citi Bank purchased an official bank check. The check was in the amount of XXXX dollars made of too XXXX XXXX, my landlord. Short story, check was stolen in the mail and was cashed somehow. 
As of XX/XX/XXXX, I was informed that the check had not arrived. I immediately went to the branch to report it and I was told that I must wait some time to see if it arrives in the mail. I returned to the Bank Branch on XX/XX/XXXX now I was told that the check was cashed. I made a verbal complaint to the manager that my payee did not cash the check. I was again told that i have to wait to see where the check was cashed. Finally on XX/XX/XXXX an affidavit was filled. But i still have yet to have anyone reach out or any confirmation of this investigation. My funds are supposed to be guarantee with the purchase of a bank check.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint regarding late payments on my credit record. After reviewing my credit report, I discovered these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.