davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (NC)

RE : Complaint against Certegy , Inc. for declining a legitimate and duly verified check of XXXX  XXXX XXXX, XXXX  and other Bank for a small amount of {$6.00}. ( In spite of having sufficient balance in the checking accounts. 

Esteemed Mam/Sir, On XXXX, 2021 at XXXX XXXX  I went to buy groceries a the local XXXX XXXX store ( Store # XXXX ) XXXX XXXX XXXX, XXXX, NC. My bills was for {$6.00} cents and I did use my credit card and instead wanted to make payment from checking account by presenting a check for groceries payments. 

My check was declined by the XXXX store cashiering machine saying that Certegy Check Services, NC identified my check as invalid and fake and refused so accept as a mode of payment for my groceries. 

Being a public holiday I had to call certifying and it took me an hour to finally reach a customer service representative. Despite giving all needed information and my drivers licensees numbers, social security numbers and personally identifiable information both on the automated system as well with the customer service representative, they refused to accept my legitimate XXXX  XXXX XXXX, XXXX check. 

I tired to use my another bank account and that too was declined in the similar fashion. This happened despite both my accounts having adequate money and despite showing the account balance on the banks mobile apps. 
In view of this Certegy, Inc not providing no explanation for the reason of decline of my legitimate bank issued check, and deliberate harassment and, discriminative attitude in decaling a legitimate bank issued check, a strict actions should be taken otherwise these companies will continue to harass and discriminate against older citizens without any reasons.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent EXPERIAN a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded online - even though I had sent them a certified letter - that " The company that reported the information has certified to Experian that the information is accurate. '' The company they are referring to - per their website- is XXXX. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent EXPERIAN another certified letter on XX/XX/XXXX which they received on XX/XX/XXXX showing them proof that XXXX ( see attached documents ) had removed the unverified bankruptcy and informing them that if they could not reveal how they verified this item, then it must be removed from my credit report according to the FCRA. 

This unverified item needs to be removed from my credit report immediately as it is causing me financial hardship and impeding my ability to purchase a home.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Neon Newco Corporation (PA)

I received a check from Net Spend Corp in the amount of {$6000.00} in XXXX of 2022 and the check was only good for 90 days I was unable to cash the check within the 90 days because I had XXXX for a XXXX XXXX XXXXXXXX XXXX ) and I have been in XXXX XXXXXXXX home since that time I have twice called the XXXX the first time a girl hung up on me, the second time the girl said she was making out the check as we spoke that was in XX/XX/2022 still no check. This check was for ATM withdrawals made in XXXX XXXX XXXX XXXX  not made by me all I want is a replacement check please do what you can for me. XXXX XXXX XXXX.
Consumer complaint received 2017-10-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

We contacted the company by phone and they have not resolved the matter. Here is the letter we sent : XXXX XXXX XXXX # XXXX Ladies and Gentlemen : I am writing to demand that you reverse a late-payment entry that you have reported to the three national credit-reporting agencies regarding the above-referenced mortgage loan and that you request those agencies to remove your report. 

On XXXX XXXX, XXXX, I sent you a payment of {$XXXX}. ( Our monthly payment amount is {$XXXX}. )  The payment was in the form of two checks for {$XXXX} each, one drawn on my personal bank account and the other drawn on the personal bank account of my wife, XXXX XXXX XXXX. In the process of reconciling her account a couple of weeks later, my wife saw that her check had not cleared. I reviewed my account and saw that my check had cleared. ( A copy of the canceled check is attached. The endorsement reflects a date of XXXX XXXX, XXXX, confirming your receipt. ) On XXXX XXXX, XXXX, I spoke by telephone with a representative of Shellpoint Mortgage Servicing and explained that one of the checks had not cleared. I was informed that Shellpoint used an automated system that likely processed only one of the checks. I was told that they would try to locate the other check. ( I provided them with the check details. ) I was assured that this would have no negative implication for my credit score. I called several days later to follow up and was informed that they were unable to locate the check. Accordingly, XXXX XXXX put a stop payment on her check, and on XXXX XXXX, XXXX, I made a payment of {$XXXX} rather than what then was our customary {$XXXX}. 

I now am applying for a mortgage on another property, and I have been informed that my credit score is about XXXX points below what I believe it otherwise would be due to your having reported the XXXX XXXX payment as late. That should never have been reported as such : I was not lateit was a processing mishap at Shellpoints end. Needless to say, I am not happy about this, and it is holding up and very possibly blocking my ability to obtain financing. Please reverse this late-payment entry and correct this with the credit agencies IMMEDIATELY. Time is of the essence here, because of my pending application for financing. I am at risk of losing the financing and ultimately the property that I am under contract to purchase ( along with my deposit ). I do not want to report this to the FTC, but I will do so if I do not receive a satisfactory response within 24 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell XXXX
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (DE)

Cps consumer portfolio services XXXX XXXX XXXX XXXX ca. XXXX ( XXXX ) XXXX has not been reporting my payments on my credit report! I have had the car for 5 years and of course hit bumps in the road as life goes! I have been paying reaccurring payments since XXXX none showing in my report! Even the late payments are not reported from last year during the pandemic. I went to purchase a new car due to the mileage and age of the vehicle and I was denied because it looks like I make no payments on my loan. Also the payments that I pay are all going to interest when all the interest is paid up. I will never get out of this car or have a good report due to their lack of stability and business
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercari, Inc. (NY)

asked Mercari multiple times to remove the block of my account. Notified my bank that there was an unauthorized purchase made on my Mercari account so I disputed it. I got an alert at XXXX XXXX  this morning. My account was restricted. Ive been contacting them hourly at this point and still have not heard anything, they refused to get back to me saying billing payments back to me. Ive asked him multiple times to put this hold on my account so that I can get access to my money and get back to selling on my account. They refuse to do anything to help me.
Consumer complaint received 2022-10-05
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

I HAD 3 CREDIT CARDS LOST THE COMPANY FOUND IN MY FAVOV THAT I HAD NOT MADE THE THE REPORTED ITEMS AND THEN THEY REQUSTED IRS PROOF OF INCOME I TOLD THEM THAT I WAS OUT OF WORK DUE TO A WORK INJURY AND THEY CLOSED 20 ACCOUNTS THAT IHAD SOME THAT I HAD FOR XXXX AND XXXX IHAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS I HAVE A 100 % PAYMENT RECORD AND LESS THAN 23 % USEAGE BY DOING THIS MY CREDIT SCORE WENT DOWN 30 POINTS
Consumer complaint received 2017-11-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC (TX)

ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.
Consumer complaint received 2021-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is in violation of 15 U.S Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates They are also in violation of 15 usc 1681a under the Exclusion section ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; the definition of credit card according to 15 U.S. Code 1602 under section ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (OH)

Ive contacted this company many times about this account being opened by being a victim of identity theft and fraud. Ive also requested a copy of my signature and of the purchase agreement. XXXX loans provided the customer agreement but didnt provide my signature or any other proof to indicate the account was indeed mines. I never owed a sectional and I moved out of XXXX the year of XXXX. The agreement states the account was opened on XX/XX/XXXX and it states the contact was signed on XX/XX/XXXX. Which makes no sense at all. Enclosed is another police report since they wont honor all the others I sent over the years, this account was never opened by me and needs to be closed admittedly and removed from my credit reports.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc. (OK)

Some girl named XXXX XXXX is using my address and my phone number, my information to purchase products and is having debt collectors call me instead of her regarding all of this stuff. I have no idea who she is. But I have her address and I know her name. I don't know what's going on but all I know is her name is XXXX XXXX she lives in XXXX Texas and she bought a bunch of detox cleansing stuff on the internet and they've been emailing me repeatedly about the order and I keep telling them they have the wrong email. And then a debt collector called me today asking for XXXX and saying that XXXX needs to call back immediately. I'm not XXXX. My name is XXXX XXXX and I live in XXXX  XXXX.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My Bank of America checking account was overdrawn by {$150.00}. 

I deposited a check on Thursday XX/XX/XXXX in the amount of {$3000.00} to  cover the overdraft. I also made an online payment that evening for {$2400.00}.  Typically the availability of funds allows {$300.00} to be available immediately and the remaining amount of the deposit of a local check up to {$5000.00}, to be  available the next business day. 

I expected nothing different on this occasion. I made the deposit at a Bank of America ATM before XXXX EDT. In the process of making the deposit I did not receive any special alerts of any kind. I did not pay any attention to the receipt I just put it in my pocket. Later that evening I checked my account online and realized that a ten ( 10 ) day hold had been put on the check I deposited. 

I called bank of America customer service and was told that the system automatically put a RISK hold on the account and that no person could remove that. The customer service person did not know exactly why. 

On Friday XX/XX/XXXX, I deposited an additional {$2000.00} in cash into that checking account so my balance was now at {$4800.00} An online debit that I had initiated on Thursday XX/XX/XXXX for {$2400.00}  hit my bank on Friday XX/XX/XXXX and the item was returned and a {$35.00} NSF fee was charged to my account. 

I called Bank of America again on Saturday  XX/XX/XXXX and spoke to XXXX from WV and then his supervisor XXXX. They both echoed that no one at the bank could remove this ten ( 10 ) day hold. XXXX further advised that the notice I received on my receipt AFTER the ATM deposit was made, was all that the bank was legally required to do to inform me of the hold. 

I reminded XXXX that if I was in the branch a live teller would have let me know of the extended hold before I deposited the item ( therefore allowing me to decide if to deposit the check at this bank or not ). I pointed out that the ATM gave me no such alert during the ATM deposit process and therefore I needed to have the situation addressed and resolved. I advised her that for such a large bank with over thirty ( 30 ) million customers, this was an unacceptable situation and asked to speak to her manager. She confirmed that nothing could be done by ANYONE in the bank and apologized for the INCONVENIENCE. 

It is unacceptable that of the thousands of banks and credit unions in this country, one of the 4 XXXX   dollar banks in the USA, with ten of millions of customers could have automated, electronic protocols that are completely insensitive and unresponsive to the needs of live human beings. 

This needs to be resolved.
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank took an automatic withdrawal of {$10000.00}, rather than {$1000.00}, from my checking account on XX/XX/XXXX. They refuse to process the refund in a timely manner, informing me that it will take up to ten business days. It has now been ten business days, I have no money in my checking account, and do not know what path to resolution there is.
Consumer complaint received 2017-11-18
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. (FL)

To whom it may concern : I am filing a complaint against : Trans Union Credit Bureau, XXXX. XXXX XXXX, XXXX, PA, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both TransUnion and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via TransUnion Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Trans Union ) have only said to me that they have as per my credit report XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX ( XXXX ) XXXX description : XXXX Verified as accurate as of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Trans Union for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent TransUnion Credit Bureau information about the company in question. TransUnion has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matte for over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.