davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NM)

Here 's an expanded description of what happened that you could submit to the CFPB : I am experiencing a problem with my business checking account that prevents me from sending ACH transfers and wire transfers. Each time I attempt to initiate an external transfer, I receive the following message : " Were missing your mobile number. Add your mobile number to your account to use external transfers. '' It also mentions, " If you've already given us your number, it can take 72 hours to update your account. '' The issue began 10 days ago, and I have been attempting to resolve it since then. Despite having a confirmed and verified mobile number on file ( as confirmed multiple times by customer service ), the system continues to display this message and does not provide me with the option to proceed with a transfer.

Over the past days, I have called customer service approximately 10 times to address the issue. On each call, customer service agents have confirmed that my mobile number is properly registered on my account, yet the problem remains unresolved. Each time, I have been informed that my account should allow transfers, but I am still unable to initiate them.

The inability to make external transfers has caused significant inconvenience and disruption to my business operations, as I rely on these transfers to manage my business finances.

I am seeking assistance in resolving this technical issue, as my attempts to address it directly with customer service have not led to any resolution.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX  reported false information about a overdraft account .This account was repeatedly charge overdraft fees serval time by XXXX XXXX now this account is reporting to chexsystem for XXXX
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I have had multiple issues with this company after being sent to them through a refinance. I had been paying XXXX since the refinance in XXXX of XXXX as was agreed to on as part of the refinance. They had apparently given the wrong escrow amount without informing me and so on XX/XX/XXXX, I was informed that my payment was being raised to XXXX due to a shortage. 

I am going through another refinance to lower the cost again as rates have gone down and have run into a new issue with the company. I started the refinance process in XXXX of 2024 and had all of the paper signed by the end of the month. I had frozen payments for XXXX so that the refinance company could handle the situation with the refinance. I was called on the XXXX of XXXX stating that my monthly payment was due but explained that the refinance process has started and may be taking some time to fully process. There were no issues until the XXXX of XXXX when I receive a call that a new amount, XXXX was due by the end of the day. I was informed this was because of a shortage due to a tax disbursement. I verified with multiple agents at " lakeview loan servicing - mr.cooper '' that this was the correct amount. I discussed with two online assistants about where the payment came from and if the two companies, " lakeview loan servicing - mr. XXXX '' and " village capital and investments '' had ever discussed this payment. When given information about contact to " village capital and investment, '' I was told that there was no communication between the two companies. They said that " village capital and investments '' should have been notified by them about making this disbursement payment, however in the next line, they say that they didn't have to notify them about it since the payoff had not been made. So they neglected to make them aware of this. There was absolutely no way any party would have had this knowledge except for them. 

They also said that I could have made the note to stop this disbursement instead since taxes were always due in XXXX, something that I was unaware of as I haven't been with the company for more than a year. 

I checked each tab to find the monetary amounts and not one of them shows this XXXX number so there was no way that I could have known. Now I have to make this payment when I don't have the money otherwise the settlement will not process. I will find a way to make the payment today, the XXXX of XXXX. This has been an absolutely horrible experience with this company. Their negligence in their duties has caused me additional payments when the refinance was made to reduce the financial burden I was already suffering from.
Consumer complaint received 2024-10-14
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. (NC)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX $ XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX Account Number:XXXXDate opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX. 
Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-20
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. (MI)

I asked them to update my card as a credit card and not a charge card. It's not a charge card, i have a credit limit which is {$750.00} but have since closed this account. They need to not report this account as a charge one when it's not. They did not change anything on the report for this item. Experian is difficult to deal with i have come to find. I guess they don't have to obey laws and can continue to report false information on my report. Dispute report is XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
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 OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-10-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account.

Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2023 my XXXX app and account was hacked. My debit card information at the time was saved within the app. On the afternoon on XXXX I received numerous emails from XXXX stating my account password had been changed, an address had been added and 2 orders had been placed. Neither of these orders were placed by me. I was able to call one of the XXXX stores in the XXXX, TX area and I was able to cancel the pick-up order. The 2nd order was a delivery order and it was unable to be canceled. The delivery order was around {$130.00}. I wasnt able to immediately file a dispute on the charge since it was still listed as pending. The first opportunity that I had, I filed the dispute and Chase Bank credited my account. I then canceled my debit card per Chase banks recommendation. This lead to lots of headache since I have numerous bills linked to that card. Chase bank completed their investigation and claimed that the charges to XXXX were authorized and they then removed the {$130.00} from my account. I submitted numerous documents to Chase Bank trying to plead my case. I even provided the address to where the groceries were delivered in XXXX, TX. I also submitted a police report with the XXXX Police Department. As of today, XX/XX/2023, Chase Bank continues to claim the charges were authorized and my account had not been hacked. After 15 years of banking with Chase Bank, I can say that I am truly disappointed in the customer service and assistance that I received during this time. I can assure you that I would not have canceled my debit card and went through all this headache had I bought the groceries!
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request
Consumer complaint received 2024-10-14
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. (IL)

Subject : Complaint Against for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TRANSUNION Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by TRANSUNION include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that TRANSUNION is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my TRANSUNION credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies. 

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.