davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

I wrote out a check to pay for my pesticides for my company in the amount of {$390.00}, and placed it in my mailbox for my mail carrier to pick up. The check was stolen out of my mailbox and washed. This person left my name and the company on the check but washed the pay to the order of, the amount and the memo. He then proceeded to make the check out to himself for {$17000.00}, and wrote in the memo " damaged vehicle. '' He proceeded to take this check to TD Bank, and cashed it against my business account. This check cleared through my account, however I did not find out about this until I received my bank statement at the end of the month. I reached out to my bank XXXX XXXX they said they were going to take it up with TD Bank since they were the bank that cashed this check. TD Bank has since refused to pay for this mistake, stating they were not at fault. I have filed a police report and XXXX XXXX  hired a lawyer to deal with TD Bank and they have rejected the claim. I am now out {$17000.00} due to no fault of my own.
Consumer complaint received 2023-05-31
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

See previous Claim. USAA had now DIRECTLY LIED about the company, XXXX  : " The merchant responded on XX/XX/2022, declining your request for a refund as they indicated you attended more than 50 percent of the course, '' This is a direct false claim by USAA and XXXX. i NEVER attended more than 50 % of this course. I left before 50 % had been completed. 

This decision was made on a lie. This is a complete fabrication, i did NOT attend " 50 % '' of this class.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

This company repeatedly harassed me for years then sued me. The only way I found out about lawsuit is because I started to receive notices from lawyers in the mail and checked states local court records. AFTER responding to them by court they had someone to come to my house to deliver documents because in my response I advised I was not notified. After my response I still received harassing calls for payment although we were in litigation. The state was going to dismiss their case due to no response from midland and the day before set to expire they filed a response and sent by mail which I did not receive until AFTER court day. So of course by default they won suit. I have called several times these people make it so difficult to setup payments representatives are argumentative. I call to setup up payment arrangements set to be paid in full by XX/XX/23. I was advised I could not set up any arrangements but they would rather garnish my wages unless paid in full which of course would RESULT IN ME PAYING MORE INTEREST. I give in and make the payment and they refuse to provide a receipt. Stating they will send a letter in 10 days but will not give me any proof of a XXXX payment I made!!!!!! so after YEARS of harassing me and I finally give in CANT even have confirmation of the payment for my records.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On Saturday the XXXX of XXXX 2020, I made two cash deposits at Navy Federal Credit Union. The branch is located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first transaction I successfully completed was at the branches " drive-up '' atm for {$2600.00}. After noticing that a line of cars were behind me, I made a decision that it would be kind of me to complete my next transaction with the left over funds at the " walk-up '' atm. When I walked up to the atm with cash in hand, I noticed TWO cameras that monitored me. After I deposited what I explained to NFCU 's fraud department to be around $ 450- {$600.00}, the atm completely shut down. I called NFCU and waited there, on camera, explaining the entire situation. Within about 36-48 hours, NFCU told me they had no record of the transaction, so I decided to dig a little bit deeper and gather some information. They admitted to me that during their first investigation, they failed to contact the victim, failed to check time stamped video evidence, and failed to check the correct atm. Now 4 days into the matter, I asked them to re open the case and complete a proper investigation. I am now on day 12 in total, spent a total of 8-10 hours of phone time dealing with this matter over the 12 days and completely have been mistreated as a consumer and as a non-conflicting customer of a financial institution. The country is already in a tough scenario with racism and not too mention a pandemic. I have lost trust in NFCU, as it currently stands, I was robbed blindly by a systematic and mechanical error, that is no fault to the consumer. I just want my money back that as their customer, should feel safe depositing to them.. I strongly believe that an audit of their investigation process should take place, as they clearly fail to gather, receive, and acknowledge most of any/all facts.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Multiple Erroneous charges to a Bank of america Pre paid card that I never received, Rampant mailthifet on property and have ben advised to report to local police and post office for recording and doctuming incidents Ive Ben a victim of mail thifet and identity thief and some one has Ben using a card from bank of America to use unemployment benefits I alocated in my name.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following account : XXXX ) XXXX  Recently appeared on my credit report and it is not mine. This information is an accurate and I want it removed from my credit report immediately.
Consumer complaint received 2024-02-08
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: TRANSWORLD SYSTEMS INC (DC)

This corporation break the law by practicing in debt collection scam, reporting a unverified collection, and mail fraud. XX/XX/XXXX, I received a letter asking me to pay a balance and to respond by XX/XX/XXXX. They also reported this to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX consumer it's still showing as a collection. The original bill was paid and totaled up to {$0.00} on XX/XX/XXXX. This corporation has violated over XXXX FDCPA violations. I am filing this complaint to show you that I been threatened and harassed by this corporation and they must be exposed for demanding a payment that was XXXX balance. They received a cease and desist letter and XXXX XXXX signature was on the green domestic card and they still violated my rights as a consumer.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/XXXX my fianc, and I reached out to USAA regarding fraudulent charges, dating back more than a year. When speaking to the representative we reviewed the charges line by line as she entered them into the system. We spent approximately 3 1/2 hours on the phone while she entered each transaction. 
When calling back to check up on these transactions, it was told to us that they couldnt be found within their system. This process had to be repeated an additional two times over the course of three months. The first three calls we were told that somebody from the fraud team would call us back - we never received a call back. 
On XX/XX/XXXX, we called to follow up again. This time we asked to speak to a manager. They stated they were going to transfer us to the customer relations team, as they were the highest level of customer service that could speak with us. XXXX took our call, reviewed all of the information and confirmed they had all of the transactions needed, and we would receive a call in 2 to 3 business days from the debt resolution team. He also explained where the missing notation was needed on the documents being transferred from one department to the other. 
On XX/XX/XXXX. We still had yet to receive a callback and called in to speak with the customer relations team again. At that point we spoke to XXXX, who assured us that he expedited the issue and somebody would get back to us with some sort of resolution. 
The following day, XX/XX/XXXX, we got a call from the debt resolution team, who left a message that they had all the information and they were working on it. 
Finally today we received another call from a representative, again, in the debt resolution department, stating that all of the transactions would need to be entered again, line by line in order to move forward. 
Collectively, we have spent approximately 11 hours in total on the phone with various representatives from USAA. Not to mention the conversations had on there their internal texting system. Besides the antiquated software system they use, their customer service follow up is nonexistent. 
As a XXXX XXXX XXXXXXXX veteran and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to fight this hard to get back monies that were fraudulently made - approximately {$5000.00} worth.
Consumer complaint received 2024-02-09
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: GOLDMAN SACHS BANK USA (CA)

This company doesnt allow me To finicial plan after I told them I facing hardship! They lied in their last complain that they woll help me to do a financial plan for my hardship. I told them I also had a car accident. They took the report, increased my account balance and interest again they said it will be freeze another liar! The worst credit card company I ever deal. My score is extremely going down to because of this. They are not coming to solution although they make false statements l. Here
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, 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. (FL)

greetings, I have followed all the rules and regulations and i have submitted all the required documents that trans union have asked of me and they are still saying that they can not verify my identity and that i did not send in the info that was requested from me, which is a lie and they are doing that not just to me but a lot of other individuals.
Consumer complaint received 2024-02-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc. (GA)

a payday loan was taken out without my knowledge I did not apply for the loan tried to contact the company to let them known things where taken out of my credit without my knowledge
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I want to make a complaint When me and my Fianc we applied for the mortgage to be 4 %, not 6 % also I said I did not want the payment every month for a day 1 I contacted to change and it's not possible, also I contacted because the bank charge fee because the mortgage company did 2 charges in the same month in my account and I don't have enough money, The company is terrible and the customer service didn't help me and lie about the APR. If I refinance with another company, I need to pay fees. I will sue the company for all the damages I have. Account number XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX FL, also almost my insurance was canceled because the mortgage did not make the payment here is the information. 

We are not able to refund or pay any fees that are not the fault of the mortgage servicers. You set up both payments. There is nothing we can do but wait for one or both payments to be rejected by your bank. You can try to have the bank reject them proactively, if you would like a reversal sooner.

Is there anything else I can advise on today?

here is nothing we can do on our end to reverse the payments while they are processing. I apologize for any inconvenience this may cause. 
XXXX - XXXX XXXX I dont have money You- XXXX XXXX  If the funds are not available they will be reversed in a few days, but if you would like the payments rejected sooner, you will need to to through your bank. 
XXXX - XXXX XXXX I need pay my bills XX/XX/XXXX Multiple Payments {$4200.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Multiple Payments - {$200000.00} Dear XXXX and XXXX, Your home insurance policy payment is past due and the policy is about to be canceled, can you please contact your mortgage ASAP so they can overnight payment? 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Direct Phone : XXXX Fax : XXXX License # XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX has violated my rights, they are reporting late payments to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of 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 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX  they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

My complaint is also with EQUIFAX, XXXX and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.I sent letters to XXXX, XXXX XXXX and Equifax notifying them of the violation but they are still reporting the payments late as well
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be discarded right away : XXXX XXXX XXXX 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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX from my credit report. I was never late. 

XXXX Collection account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account XXXX remove an address from my account XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I lived in Florida for the past 4 years. I am XXXX XXXX XXXX XXXXXXXX. This is bringing stress on me. I dont want to loose what I worked so hard for. XXXX is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

My daughter had a XXXX visit in 2023, and paid my co pay with credit card. Unbeknownst to me at the time, the receptionist accidentally ran my card and paid someone elses bill in the amount of {$550.00}. I contacted the credit card company and they refused to assist in anyway to reverse fraudulent charge.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I have been a customer with ally since XXXX. My checking and savings accounts were locked due to me attempting to deposit a check i had already tried to deposit at XXXX XXXX and it wasnt accepted by them via mobile deposit. A wells fargo rep told me its still considered a live check so there is no issue trying to deposit elsewhere. 
I gave plenty of info and offered to provide proof of all of this and XXXX still just completely locked out. 
I spoke with someone named XXXX on XX/XX/XXXX day XXXX of it locked, and he was treating me like a criminal it was completely dehumanizing. I said i was concerned and he said you shouldnt be if you did nothing wrong.