davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXXXXXX XXXX XXXX  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 XXXX, XXXX, XXXX, XXXX, AND 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 21 days before the payment due date. 

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 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
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent account in in my name that is now reporting to my credit. The following account LVNV FUNDING LLC ( Account Number : XXXX ), Original Creditor : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year>. Balance {$690.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have any contract with LVNV FUNDING LLC. I have attached a copy of my FTC report and Id. ( Please see attachments ).
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (VA)

Our issue is with Ally Bank. On XX/XX/year>, we ( my husband and I ) noticed a fraudulent charge ( screenshot Ally-Online-Services-Ally.png ) on my debit card for {$2500.00}. We immediately knew it wasn't something we purchased and we noticed it was from a XXXX business, supposedly in XXXX, VA, which is in XXXX XXXX. We called the XXXX XXXX Sheriff 's Office and discussed the issue with an officer, who said that the business does not exist and therefore they can not do anything about it. 

So, by fraudulent, we mean someone stole our credit card and charged it to a fake XXXX business. We bank with Ally, so we immediately locked our cards and attempted to dispute the charge. We were told by an Ally customer support representative, that we could not dispute the charge until it was posted. It's a lot of money, so we watched it like a hawk and disputed it immediately when it did post. We were told by Ally that it would take 10 business days to investigate the dispute. We didn't hear anything from them and ended up contacting them again on XX/XX/year>. They told us the dispute was ruled as non-fraudulent and that we wouldn't get our money back. We complained, but we were told by Ally that there was nothing they could do, because their fraud department ruled it as a legitimate charge. 

Considering it was a lot of money, I decided to do some detective work. I contacted XXXX, and they gave me some good information and leads. I discovered I could look up the transaction receipt for the XXXX business ( screenshot Square-Look-up-your-receipt.png ). When I looked it up, on XX/XX/year>, the business suddenly had a completely different name, didn't have a legitimate address, and was in XXXX, WI. The receipt also showed that the card was " keyed '' in, so the chip was not used. This, to me, made it fairly obvious this was a fake business running stolen credit cards. 

With this new information on hand, I reached back out to Ally Bank on XX/XX/year>. When I provided this additional information, they told me they re-opened the transaction dispute. I've now contacted Ally Bank multiple times since they re-opened the dispute and every single time I contact them, I get told the fraud department needs 10 more business days to investigate. It just seems like I'm getting a runaround where I'm never getting my money back for a clearly fraudulent charge. Please help! We don't have a lot, so this money means a lot to us.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (CA)

XX/XX/XXXX : I was seen in a hospital XXXX XXXX for an injury and after 90 minutes I was discharged home. 

XX/XX/XXXX : I received an Explanation of Benefits from my medical insurance provider, XXXX XXXX, which indicated I had {$0.00} patient responsibility to the provider ( s ) for my treatment. 

XX/XX/XXXX : I received a vaguely-worded letter from a debt collections agency claiming I owed {$810.00} to XXXX XXXX XXXX XXXX . 

XX/XX/XXXX : I sent a reply to the collections agency via USPS Certified Mail that I wasn't familiar with the charge ( s ) they were referencing. 

XX/XX/XXXX : I received another memo from the collections agency ( dated XX/XX/XXXX ) that these charges were associated with the hospital XXXX visit on XX/XX/XXXX. They provided a statement dated XX/XX/XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) claiming that the insurance company only paid a portion of the provider 's services. Needless to say, this was a " SURPRISE BILL ''! I had received ZERO contact or correspondence from this group and the mailing address they provided is 400 miles away. They also didn't include a telephone number for correspondence. 

XX/XX/XXXX : I called my health insurance HMO to investigate what they have documented on their files. They verified that the claim from the " emergency medical group '' had been processed and paid in early-XXXX XXXX. The representative from my HMO researched the medical group and located a telephone number ( XXXX ) for them. The representative placed me on-hold, then called the medical group and left a voicemail message with both the HMO phone number and my telephone number, requesting that they please call back at their earliest convenience. 

XX/XX/XXXX : I sent a second reply to the collections agency via USPS Certified Mail stating that I had never received any statements or memos from this medical group and that I had been in contact with my medical insurance provider who indicated the medical group had received payment for services rendered. 

XX/XX/XXXX : I have made several subsequent attempts to contact the medical group by telephone ( XXXX ) but incoming calls are immediately routed to voicemail and I have yet to receive a call back. 

XX/XX/XXXX : This seems like a scam to me and I would like assistance on how to resolve this situation. I would be happy to provide documentation, but will first need the opportunity to redact the documents for PHI and PII.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

During the pandemic, managing payments for this account became increasingly challenging. As the economic landscape shifted unpredictably, so did my financial stability. With job uncertainties and unexpected expenses, allocating funds towards debt repayment became a daunting task. Despite my earnest efforts, the burden of overdue payments weighed heavily on me, exacerbating the stress already imposed by the pandemic 's uncertainties. Each missed payment amplified feelings of anxiety and frustration, deepening my worry about the repercussions on my credit score and financial future. Navigating these turbulent waters required a delicate balance between meeting essential needs and addressing financial obligations. Seeking assistance and exploring alternative payment options became imperative in order to mitigate the impact of this challenging situation.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/2023, I made a mobile deposit of {$21000.00} to my Wells Fargo checking account, but the funds did not credit to my account. The check was issued from XXXX XXXX. I contacted XXXX XXXX to verify if the funds had been withdrawn from my account. They confirmed that the funds were indeed moved out on XXXX/XXXX/2023. The details from XXXX XXXX show that the funds were sent to an irrelevant account ( acct # XXXX ) at Wells Fargo. 

The case is straightforward : I still possess the physical check, and it has not been stolen or deposited by anyone else. The copy provided by XXXX XXXX shows only my signature on the back, indicating it was not authorized to be credited to anyone else 's account. If the funds were transferred to Wells Fargo with my signature on the check, they should have been credited to my account. I initially reached out to Wells Fargo 's customer service with the information regarding the check deposit and the missing funds, but customer service refused to file a case for me. I had to escalate to the XXXX XXXX XXXX and also filed an XXXX Complaint. However, Wells Fargo repeatedly tells me there was no deposit to my account on that day. 

I am unsure if this issue arose due to a mistake or a system error within Wells Fargo, but they have not conducted any further investigation beyond checking my account and informing me that no deposit was made on that day. They have shown no intention to rectify the situation, as opposed to XXXX XXXX, who filed the claim on my behalf with Wells Fargo and follow up with me every week to check on the status. 

From a XXXX search for " mobile deposit fund disappear, '' the top XXXX result returned shows people complaining about the same issue at Wells Fargo. It is apparent that I am not the only one who has suffered from this issue at Wells Fargo, while Wells Fargo has been acting very passively on this case. 

The evidence I am presenting includes : The operation page copy from XXXX XXXX for the deposit and check clearing. 
A letter from XXXX XXXX regarding the missing funds. 
A response from Wells Fargo stating no deposit was made into my account.
Consumer complaint received 2023-04-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (OR)

This is a longstanding Issue. See my old CFPB complaints for more details. 

Santander consumer has informed me that XXXX ) they purchased XXXX XXXX XXXX. They've informed me that XXXX ) they have confirmed that I paid off the loan from XXXX XXXX XXXX. They've confirmed with me that XXXX ) they have received the form XXXX that I mailed to them. They've informed me that XXXX ) they had no affiliation with XXXX XXXX XXXX. This is a company that they purchased. Their bank, santander, bought XXXX XXXX. They literally bought the bank that they claim they have no affiliation with. In their response to me they stated XXXX ) so we recommend you contact your local XXXX office in an attempt to receive a duplicate copy of your vehicle title. Additionally, as they stated in their original response, they stated that XXXX XXXX released the title to me, but that they are not able to acess the records to show that I paid off this vehicle. The reality of this is that they confirm they are aware that I paid off this loan. They also ignore my original complaint that I never received the title in the first place, hence my ongoing complaints with santander. 

I have been able to finally contact the Nevada XXXX. There are several forms the nevada XXXX needs me to fill out. But in order to fill out the forms the Nevada XXXX needs, I first need Santander to notarize and sign form XXXX that I mailed to them. Just to reiterate in my complaints, they've confirmed that they received this form, and yet have still not notarized this form. The Nevada XXXX has informed me that nothing can proceed until they receive a notarized copy of form XXXX. I can not proceed with anything from the Nevada XXXX until this derelict and negligent company signs a lien release form. 

I paid off this car in XX/XX/year>, and I am still unable to access my title. I'm unable to register the car. I'm unable to sell the car. This is the definition of a large corporation harming consumers. I want to just have my title, so that I can sell the car. This company is harming consumers. PLEASE DO SOMETHING!
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (TX)

I spoke with representative along with my real estate agent, we had to pay this off in order for our mortgage to be approved. It was paid and the rep said we would receive an email stating this and they would submit to credit bureaus and it would be paid in full status and deleted off my credit bureaus, this was our verbal agreement. It is attached as well via email. It still as of today is on my credit reports. This is not okay, I have proof it was settled and needs deleted off my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (MD)

On XX/XX/year> XXXX opened a dispute with the company ONEMAIN in response to an affidavit I sent in describing the inaccuracies displayed on my report by the furnisher ONEMAIN. On XX/XX/year>, this dispute was completed with a resolution of this account had been updated. No where in the description did it express this debt was validated nor did I receive any correspondence with the documents requested to validate this debt. I also requested cessation of collection efforts until the debts were properly validated and as of today XX/XX/year>, they have not been. Under the Fair Debt Collection Practices Act ( FDCPA ), section 805 ( c ), I am entitled to request a debt collector to cease communication regarding a specific debt. I requested that communication cease until debts were properly validated in the original dispute letter that was received by the bureaus on XX/XX/XXXX. ONEMAIN has contacted me 11 times since then without properly validating the alleged debt, placing the company in violation of the FDCPA for disobeying my request. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of this account due to inconsistency in account information amongst the reports. In this dispute I stated should these documents not be provided... I will assume that these debts can not be validated and therefore expect a deletion of these accounts from my reports. I am now sending the attached letter directly to the company as I also submit this complaint.
Consumer complaint received 2023-08-27
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (SC)

American Credit acceptance is Illegal Reporting late payments on my consumer report Without my consent. 15 U.S.C 1681A= Communication of other information among person related by common ownership or affiliated by corporate control.

( A ) Subject to section- 1681S-3 of this title any report containing information solely as to transaction or experiences between the consumer and the person making the report.

The reporting of such illegal information has caused severe damage to my character, my reputation, my general mode of living. I ask you to remove and stop reporting These late payments on my consumer report without my permission.

Credit report and consumer report are different. Congress laws. Consumer report is XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

Hello. 

I noticed a series of transactions that were charged to a credit card on XX/XX/XXXX / XXXX. The total amount charged was approximately {$5800.00}. I contacted Barclays immediately when i noted these on XX/XX/XXXX and notified Barclays of the unauthorized charges. I was advised that the charges would be reviewed/investigated and it could take a few days to investigate/ reverse the charges. A few days later I called them again to obtain an update. An update was not yet available. I contacted them again on XX/XX/XXXX. During the XX/XX/XXXX discussion with Barclays, Barclays informed me that my initial two calls were incorrectly processed by the bank and that nothing had been done regarding my account. I was then told that a proper request had now been submitted and that my inquiry would now be properly investigated and Barclays apologized for their error on the first two calls.

As of today, I still see the unauthorized charges on my account and Barclays has not provided any real explanation. Based on details and timing, i strongly believe that the charges were related to attempted fraud and that Barclays was at fault for allowing this to occur. This is just my belief as Barclays only provided details related to dates, etc. They did not provide me any more particulars. They did however confirm that my card was re-issued PRIOR to my first call or request for a re-issue. 

I would like these charges reversed and I would prefer to terminate the account given the poor customer experience.
Consumer complaint received 2024-01-25
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)

The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.