davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (CA)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am a Consumer by law and I sent letter regarding inaccurate things on my consumer report. I received a letter saying my case was close but no method of verification.
Consumer complaint received 2022-11-01
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly asked XXXX, XXXX and TransUnion to furnish me proof that I authorized the numerous inquiries on my credit report, and they have failed to do so. These inquiries were not authorized by me unless I have an active account associated with them.
Consumer complaint received 2021-08-03
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. (TX)

My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by 100 points because of this issue.
Consumer complaint received 2021-07-08
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. (NJ)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from PayPal Inc. however the company billing this was XXXX XXXX XXXX XXXX. The company XXXX sent me a letter in the mail for this amount, and I am unaware of this bill. PayPal has not made any communication with me, and my credit card report looks okay. However when I called XXXX I did give them my SSN.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, I had set up a future transfer between my saving and checking account at Bank of America for {$3500.00} to be made on XX/XX/2021. On the morning of XX/XX/XXXX, I checked my account and it showed the transfer to be " processing ''. I had also made a payment to my credit card company - XXXX - that was also made on XX/XX/XXXX. I thought that was strange that the {$3500.00} transfer was showing as processing when in the past would just show up in my account. On the XX/XX/XXXX, I had noticed that the transfer was not completed on the XXXX but now it was showing up in my account on XX/XX/XXXX. Because the transfer was not made, it cause my account to go into overdraft for XX/XX/XXXX. I called and explained that this was not my fault and asked why a transfer was not made on the date I had requested. How could a transfer set up well in advance not be made on the date requested but processed the following day? The banks contention was that I did not have sufficient funds in my savings account on the XXXX so that is why it was not made. This is also not correct since I had over {$4800.00} in my savings account. The transfer was for {$3500.00}. They had also put an overdraft hold on my account for {$1000.00}. Even with the {$1000.00} overdraft hold, I still had sufficient funds to cover the {$3500.00} transfer. They eventually did make the transfer on XX/XX/XXXX but this caused many other issues with my credit card company since Bank of America returned my credit card payment. It was resubmitted by my credit card company on XX/XX/XXXX. I have a screen print of the transfer that was scheduled for the XXXX but now in their system it shows it as the XXXX. Somehow this transfer was changed and I want to know why. I have included the screen shot of the transfer showing the XX/XX/XXXX transfer date requested. I also have included the transfer that was eventually made on the 20th. I have also included bank transaction for both savings ( Advantage Saving ) and checking ( Adv Plus Banking ) which shows the balances and the transactions
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

Walked into PNC bank branch in XXXX IL to deposit a check. Was interrogated as if I was performing fraud. Advised employee my check was legal and after further investigation it was deposited and I was told it would be " available '' to me within 3 days. After 3 days the check was placed on a 10 day hold and was unavailable to me. I reached out to customer service where I was talked to like a criminal again and ultimately hung up on because I was trying to get better understanding as to why I was treated this way. Calls are recorded and I'm extremely disappointed in this experience and looking forward to closing my account and exposing PNC for the low level business that it is.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting actXXXX XXXX XXXX bank, account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I woke up on XX/XX/21 to an email of insufficient funds in our main checking account. In looking through the charges, I saw a check being processed for {$2500.00} that I did not write. It was written out to a person we don't know for {$2500.00} for " work payment '' in the memo line. That very check number was actually written by me for an amount of {$30.00} for yearly pet licenses and was placed in my mailbox to go out in the mail. The person must have stolen the check from our mailbox, washed the check, and rewrote it. The morning of discovery XXXX XX/XX/21 XXXX, I called our bank and submitted a fraud claim. I closed that checking account and opened a new one. I also filed a police report, as well as submitted a claim to the USPS for mail crime. Our banking institution is holding {$2500.00} total XXXX ( taken from my checking account and savings account ). I want my {$2500.00} back. I have college tuition due in 7 days and was planning on using most of that money towards our daughter 's tuition payment. 

I called our banking fraud claim department several times over the last 10 days to get an update and each time they had no information. This morning ( XX/XX/21 ) I called again and was told that the claim was closed and the representative said she did not know why this happened. My {$2500.00} has not been returned. The representative filed a new fraud claim and said we had to start all over again and that it could take 60 days. She said there was nothing I could do to expedite this. I even physically went to our local banking branch this morning. The branch manager said he was sorry but there was nothing he could do to expedite this. We have been customers of this bank for 27 years and also have our mortgage with them. This is unacceptable. No reason was given why the first fraud claim was closed and who knows what will happen with this one. I want resolution and my {$2500.00} rightfully returned to me in a timely manner.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I faxed Equifax on XX/XX/XXXX and on XX/XX/XXXX, requesting the four ( 4 ) accounts to be re-inserted to my credit report. In a dispute with the Consumer Financial Protection Board ( CFPB ) filed ( # XXXX ) on XX/XX/XXXX, I identified the four ( 4 ) accounts in the attachment that Equifax mistakenly removed from my credit report, and I provided justification requesting to have them re-inserted. In a response from Equifax on XX/XX/XXXX, they stated to hope to resolve my concerns. As of XX/XX/XXXX, Equifax have not resolved this matter to the fullest by re-inserting all of the requested accounts in the attachment. Equifax only re-inserted XXXX XXXX  with three ( 3 ) other accounts in the attachment being ignored. I am demanding that Equifax re-insert XXXX XXXX XXXX  XXXX, XXXX/XXXX, and XXXX XXXX XXXX  Financial. By not re-inserting the accounts in question is a total violation of the FCRA, 611 ( a ) ( 5 ) ( B ).
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In the process of trying to purchase my first vehicle back in XXXX I was unable to, due to a Bank of America account that was opened since XX/XX/XXXX without my regards. Ive been a victim of identity theft. 
Today this account has a balance of {$2600.00} and is effecting my credit score. I contacted XXXX  and XXXX  multiple times by mail and neither has solved my problem as this account is still reflecting.
Consumer complaint received 2021-07-08
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. (GA)

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX  XXXX XX/XX/XXXX AND XXXX XXXX  XX/XX/XXXX!
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is still reporting a collection to my TransUnion report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called XXXX XXXX XXXX on XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old.

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my TransUnion report as it older than 7 years and should have been removed by now,
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timing Issue : The payment was made on time, but it was processed late due to a bank processing delay. I have attached a bank statement showing the payment was made before the due date. 

Miscommunication : The payment was marked as late due to a miscommunication between the creditor and the bank. The creditor has acknowledged this error but has not corrected the report with the credit bureau. Attached is a letter from the creditor acknowledging the error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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: Santander Consumer USA Holdings Inc. (NJ)

The originally lender Chrysler capital who I initially was in debt with, sold company to XXXX XXXX  who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka Chrysler capital passed this to XXXX capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I called Experian 's fraud department on XX/XX/XXXX and spoke with a representative. I requested Experian delete an unauthorized inquiry from XXXX  XXXX  on XX/XX/XXXX as it is against the Fair Credit Reporting Act to report unverifiable and unauthorized information I informed the experian fraud representative that I have already attempted to dispute this through XXXX XXXX. 
The employee from Experian said she can not delete this information and that XXXX XXXX can run my credit without my consent and that the FCRA does not apply to them. Running my SSN without my consent is identity theft, illegal, and fraud. I want this inquiry deleted from my report or I will contact the attorney general and press monetary charges for violations.
Consumer complaint received 2021-07-20
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I have submitted a complaint against Citizens One Home Loans for improper management of my Mortgage Account and my Mortgage Balance that is paid on time all the time. Now Citizens One is messing with our excellent Credit History on both my wife 's credit report and my excellent credit reports. Citizen One Home Loans is saying I am late with my Mortgage Payment. In close to 30 years of owning a mortgage I have never ever been treated like this by a mortgage company. They are now affecting our lively hoods with their false statements and lies. I have a bank history of payments that are paid religiously on time, every time the mortgage payment is due. Now Citizens One Home Loans has improperly lied and reported my wife and myself for their own accounting issues and their mistakes which is costing me time & money. 

I have reported them to you for their unfair documentation and their false monthly statements. I can prove to you with my banks history of my payments that I do not owe anything past due. I need your help to hold Citizens One accountable for their accounting mistakes and their false statements. I can't afford an attorney right now to sue them for damages as this is my work slow season right now. I have a bank payment history to prove they are the liable party here. Please help me save my wife 's and my our excellent credit history from being destroyed by this horrible mortgage lending company. Please " Do Not '' let them get away with their bad customer service and their illegal accounting practices. They need to be held accountable for their illegal actions.
Consumer complaint received 2023-01-11
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. (PA)

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 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.