davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (NH)

During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have XXXX accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all XXXX of the credit bureaus, some have been successful, others have not. XXXX has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (AZ)

I was just recently hospitalized and token off work due to having a XXXX XXXX that I am still not fully recovered from. However i went back to work and have not been back to work for 30 days yet. Due to my hospitalization my checking account ended up being overdrawn almost {$400.00}. My job had my checks going direct deposit into my Navy Fed checking account which was paying off the overdrawn balance. I only owed {$97.00} left and Navy Fed closed my account without notice and even though the balance was getting paid off. I found out due to logging into my account and seeing the whole account gone and I only have access to the savings and credit card. Despite having bi-weekly deposits, the account paid down to not even {$100.00} and with no warning they closed the account.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (TN)

At XXXX pm on XXXX XX/XX/2022, I received an email notice from Discover Bank stating that unusual activity has been noticed on my account, that my account has been summarily rendered inaccessible, and to call their security number. I called and waited on hold, then it disconnected me at 3 hours and 2 minutes of holding. I called again and waited on hold, then again got disconnected at exactly 3 hours and 2 minutes. I called again the morning of XXXX XX/XX/2022, and the same 3 hours and 2 minutes disconnected hold happened again. On a fourth call, the automated machine states that a wait will exceed 3 hours. On another call to the main line, the representative stated that the only way to get in contact with security is the wait on that line. However, Discover disconnects calls at 3 hours, so it may be impossible to get in contact with the relevant department. As it stands, Discover has revoked my access to my money while not accommodating any attempts to make contact. I have spoken with others who bank with Discover and have found that they too are in this situation with no recourse.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (AL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 reported this without my authorization this is a violation to my rights and hendering me in life this is fraudulent activity
Consumer complaint received 2023-07-12
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. (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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX DATE OF BIRTH : XX/XX/scrub>XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS :
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I have an checking account with PNC. My son opened a student account when he was XXXX. Because this was a student account and he was not yet XXXX, I was added onto his student account. After he turned XXXX, we went to a branch together to request that I be removed from his account. PNC mistakenly removed him from the account leaving his account under my name. PNC has been notified through XXXX calls, and XXXX in person meetings at the branch in an effort to rectify the mistake made by PNC. 

Because he was removed from the account in error, my son is unable to deposit any funds to the account. Subsequently, my son had an automatic withdrawal that caused his account to become overdrawn. Even though he was incorrectly removed from the account, they sent him a new debit card. Thus, if this account were truly only in my name, PNC has issued a debit card to another individual for " XXXX of my accounts '' without my authorization. 

I have now received notification that the debit is assigned to me, the account is being closed, and collections is starting. PNC 's mistake could now impact my credit score.
Consumer complaint received 2023-07-19
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. (FL)

I am contacting you to request the prompt removal and deletion of the accounts and information mentioned below from my consumer report. It is essential that these accounts and information not be reported, as their presence violates both the FDCPA and FCRA regulations. I kindly urge you to take immediate action in deleting and removing these accounts and information from my consumer report to ensure compliance with the applicable laws. Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-19
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXt : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (FL)

DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY XXXX XXXX XXXX XXXX NOT MINES
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX I received an email welcoming me to a Chime account. However, I never signed up for a Chime account. I received an additional 3 emails asking me to set up direct deposit. I have heard that Chime sometimes sets up accounts without authorization. I would appreciate it if you could investigate this problem.
Consumer complaint received 2023-07-12
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. (GA)

My name is 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, XXXX  and XXXX. However, experian is the only credit bureau that has reopened the account and it needs to be removed immediately.
Consumer complaint received 2023-07-04
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 am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The XXXX Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : XXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

I have tried to close this PayPal account in the past. I still get an occasional email from them stating that I need to resolve my account issues with them. I was scammed once before with PayPal which is why I do not use them anymore. I tried to update my information in an effort to close the account, but the site/app refuses to let me do so. The Reference number is XXXX. When speaking to a Live person, they come across as very rude and XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Subject : Capital One Bank, credit card and personalchecking : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 
Capital checking XXXX. 

Abusive conduct and Unfair practices are the issue. 

The subject bank cards and account issues are the result of several negative experiences which began in XX/XX/2023. I began my bank relationship with Capital One over 3 years ago, as a credit card customer. During this entire period I never missed a due date and mostly paid off 70 % of the monthly balances. Beginning this year I began a new business venture at XXXX XXXX, and then the problems began. On XXXX XX/XX/XXXX, I was attending business license courses at XXXX XXXX, and having lived at this location over a month, I used both cards extensively. The cards are linked to another savings account for payment. I found that the cards reached credit limit and my payment source was going to be delinquent, because of SSN payment tardiness. In order to meet my financial requirements, I had a business partner, wire a payment to Capone card XXXX, the weekend of XX/XX/XXXX. CapOne held the payment for 8-10 days, without credit and without access to the money sent. The payment was for 90 % of the balance on this card. In addition my payments for the courses, car rentals and rooms were declined repeatedly, though there was available credit for the courses at the very least. The result was a failed business trip and they gave me a negative credit report. CapOne later apologized for the treatment to my surprise. 

The second abusive conduct and unfair practices began on XX/XX/2023. Again I am traveling on business, I am running out of available credit, in anticipation of a problem and in anticipation of an automatic wire deposit, I authorized a {$250.00} payment on XX/XX/XXXX, XX/XX/XXXX, {$100.00} payment, and {$500.00} payment on XX/XX/XXXX. I made a big error in authorizing payments because of a wire transfer error. To complicate things, the auto SSN payment from another account, was agin delayed without my knowledge on XX/XX/2023. To reconcile with Capital One I immediately open. Personal checking account with a wire transfer of funds to cover the credit card balances. The amount transferred was {$3300.00}, more than enough to cover the previous amounts authorized. In addition, I authorized on XX/XX/XXXX, a XXXX credit card payment and on XX/XX/XXXX, another XXXX payment. 
To date, the credit card amount due is incorrect. See screen shot attachment. Also, again Capital One, withheld access to the wire transferred funds without explanation, though they paid themselves on XX/XX/XXXX. I was not given access to the personal checking account until XX/XX/2023. Again they gave me a negative credit report and canceled each card. To date the cards have Never been delinquent. And now my credit rating is below XXXX because of their
Consumer complaint received 2023-07-03
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. (NV)

This will be my last Complaint to inform the Experian Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove INQUIRIES that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, I have no choice but to pursue legal action. I need the following INQUIRIES deleted as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports