davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (IL)

This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first XXXX back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX  days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.
Consumer complaint received 2024-12-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Dear whomever it may concern, I am writing this message today because I don't believe I am getting the right treatment with Home Depot Credit Services. On XX/XX/XXXX, another account was opened under my name and was charged {$2300.00}. I reached out the 1st time to get it solved but was then given a letter stating that I was the one responsible for the charges. I have contacted the number provided on the bill ( XXXX ) and appealed and was told it would take 30-60 days to reinvest the case. About 2 weeks later, I received a letter denied my appealed. I have also filed a police report on XX/XX/XXXX and was told that the police were going to investigate the situation as well.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IN)

Since XX/XX/2022 I sent an International transfer of {$4000.00} to XXXX, but the beneficiary never received the money until today, I contacted PNC BANK for a refund twice and wait for XXXX, but they never refund the money to my account, every time I called they told me something different. the first resolution was stated that ; The funds were credited to the recipient on XX/XX/2022, they are unable to be recalled. 
I submitted another recall, but this time the resolution mentioned another date the recipient received the money which was XX/XX/2022. Their resolution is not clear to me, based on the receipt of the transaction, the money will be available on XX/XX/2022, how come it was already credited on XX/XX/2022? and also I remember I was on a phone call with PNC, they told me that the XXXX  XXXX XXXX refunded the money to my account that was not true, they saw that. I requested them to track the money for me but they never send me the tracking result. I wan na know the account number that they say the money was credited to, the name of the person, and the time, and date. 
My question is Where the money is Exactly because it was not credited to the recipient I sent it to?
Consumer complaint received 2022-12-08
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. (CA)

Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX
Consumer complaint received 2024-11-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX XXXX Remarks Placed for collection XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX- XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX Monthly Payment Original Creditor XXXX XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment Original CreditoXXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$130.00}
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

On XX/XX/XXXX at XXXX XXXX Someone called me and pretended to be a us bank employee and said that there are three pending charges via XXXX and they were wondering if I authorized those. I said no and we went through the process to reverse them only to find out that that person was taking my money. Three transfers totaling {$3400.00}.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

I had a Wells Fargo account with a XXXX XXXX XXXX ending in XXXX, the account was closed in XXXX of XXXX but on XX/XX/year> I was sent a refund for {$710.00} by XXXX XXXX, the money was sent to the closed debit card and the money has not been returned to XXXX XXXX nor Wells Fargo, Wells Fargo instructed me to contact Visa to help with finding the money so I can be sent a check for the amount.
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The legal contract from XXXX Dealer was sent to CAPITAL ONE for a long term of 74 months, but CAPITAL ONE AUTO FINANCIAL ADDED 2 EXTRA PAYMENTS for a TOTAL of 76 months! They are violating the legal contract.!! This is not legal!! 

I have been calling them many times to resolve this issue and get an explanation, but they keep telling me that a supervisor will talk to me, they put me on hold for ever until the call got disconnected. I just contacted them today XX/XX/2022 at ( XXXX ) XXXX and I was on hold for 53 minutes, I was transfer from one customer service representative to another one with no help. They did not even bother calling back. I am frustrated. 

May you please help me out to resolve this issue. 

Thank you kindly, XXXX
Consumer complaint received 2022-11-16
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: Prosper Marketplace, Inc. (ND)

Fraudulent inquiries on my XXXX credit report XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX PROSPER/XXXX inquired XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number:XXXX Date of Late Payment:XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o . 
Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> Transunion : The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX  which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2024-11-09
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. (NY)

An item that has resulted from fraud which I never benefitted from still appears on my report. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2022-11-16
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. (CA)

I am reporting fraud on an address I have never lived at that is being reported on my Experian Account : XXXX XXXX XXXX XXXX XXXX, OK XXXX I have never lived at this address and it has never belonged to me. I request it be removed from my account immediately. 

Also, I have made several attempts to get all incorrect addresses removed from my Experian account.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

Our issue first came when we were paid out by XXXX XXXX through a digital credit card for our services for a total of {$3500.00}. It was sent through XXXX XXXX  and transferred to our Square account.

Once we began processing the transfer from our Square account to our business banking account, Square has held our funds for a month with many delays and a {$120.00} fee. We paid this fee expecting an efficient transfer of our funds. On further communication with the company, they ran us through a verification process which was successfully validated. On completion, however, they sent an email saying that our account was deactivated and have frozen our funds until XX/XX/2024 with no option for appeal. 

We are an official XXXX business and have met all the criteria listed for Square transactions. Furthermore, we have been paid out by the official XXXX XXXX XXXX XXXX XXXX 

Please let us know if any further information is needed. Thank you.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (TX)

The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank you
Consumer complaint received 2023-03-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

It has come to my attention that Chex Systems XXXX Inc., has violated the Fair Credit Reporting Act ( FCRA ) by way of failing to follow reasonable procedures to assure maximum possible accuracy, failing to have permissible purpose, in addition to reporting inaccurate information, and failing to DELETE inaccurate information. If Chex Systems XXXX Inc., fails to comply with this notice will result in legal action being taken. Thank you for your timely cooperation. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.