davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Hello, I am reaching out to you in regards to a dispute I had with PayPal over two payments I made to a person who in fact turned out to be a scam. PayPal denied my dispute and frankly I'm confused and surprised. I did not receive the item I paid for or anything at all for that matter. The payments I'm disputing were for {$100.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. I have all the text messages, an email from a fake shipping company as well as an email with pictures that were taken off of the internet.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DC)

I have been harassed for months now by a company called Midland Credit Management and they refuse to verify the debt they claim I owe them, that have been negatively reporting to XXXX  and damaging my credit score. 

They have removed the debt from XXXX XXXX and XXXX  but not XXXX, I have reached out in XXXX and XXXX and have note received a response.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client XXXX, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX  that her client XXXX is trying to kill me with the side affects to my health and financial life. 

She told me that " they are not trying to kill you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. XXXX is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The XXXX attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''
Consumer complaint received 2020-04-24
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. (FL)

Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.
Consumer complaint received 2024-09-12
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. (NC)

I am writing to formally express my concern regarding the inaccurate and disputed accounts currently reflected on my credit report. Despite multiple efforts to address these issues and my requests for a thorough investigation, I have yet to receive any resolution or corrective action. 

These erroneous accounts are not only damaging my credit file but are also causing significant hardship in my daily life, affecting my financial stability and opportunities. The ongoing negative impact has left me with no option but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary corrective measures are taken to ensure the accuracy and integrity of my credit report without any further delay. 

I trust that with your help, this issue can be resolved swiftly, allowing me to regain control over my financial well-being. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. I look forward to receiving confirmation that the investigation has been initiated and the errors have been corrected.
Consumer complaint received 2024-09-12
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00} XXXX  Original creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$7100.00} XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-04-23
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: U.S. BANCORP (CA)

I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. thank you.
Consumer complaint received 2024-09-12
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. (CA)

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 2024-09-12
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 21 days before the payment due date.

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!
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Applied for credit increase at XXXX XXXX was denied increase because Transunion has my credit score wrong and not updated. My score reported correctly would have increased credit.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi, Someone is using my identity to my a purchase or something. Account was opened on XX/XX/2020 of a credit limit of {$800.00} with a balance of {$570.00}. I don't know if, I'm going to the wrong source to solve it.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

On XX/XX/XXXX, my mortgage was supposed to be paid through USAA 's bill pay service from Account A.  The same day, I had scheduled a transfer from account B to Account A for the exact amount of the payment. Due to some kind of mixup, the mortgage was paid out of Account B. 
Rather than pay the previously scheduled mortgage payment out of Account B, my bank first initiated the internal money transfer from Account B to Account A, thereby leaving Account B with insufficient funds to pay the mortgage, and triggering a {$29.00} insufficient funds charge. 
When I discovered the problem on XX/XX/XXXX ( the previous day, my bank showed the mortgage payment had been " completed '' on XX/XX/XXXX ), the bank told me that there was nothing I could do to expedite my payment to my mortgage lender, and I was left to initiate a new payment to the mortgage lender out of Account A. 
On XX/XX/XXXX, I discovered that the mortgage lender had reinitiated the original payment from Account B, resulting in me paying my mortgage twice. 
When I asked my bank to reverse the payment, due to my having to pay a number of other bills with the money that went to my mortgage lender, USAA opened a dispute but said it could be weeks before it was resolved. I called my mortgage lender, which agreed to refund he second payment to my USAA Account A within a matter of days. 
My mortgage lender told me on XX/XX/XXXX that it had completed the refund to USAA on XX/XX/XXXX. However, USAA claims to have never received any refund. 
I made a complaint with USAA, which tells me it may take up to 45 days to resolve the issue. 
In the meantime, I am missing enough money that I will not be able to make my mortgage payment on XX/XX/XXXX. Meanwhile, USAA informed me on XX/XX/XXXX that it canceled my XX/XX/XXXX complaint at my request, which is untrue.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On the XXXX of XX/XX/2020, I went deposit {$900.00} to my checking account ( TD Bank ) there were few people inside of the bank but did not allow anyone inside of the bank, I was using the Atm to do the deposit the Atm took the {$900.00} plus the Atm card i knock at the door for someone to come and help me they don't want to come out, after 5 minutes one of them open just to hear what i have to say, i explained to her, said she can't help me they can only file a claim for me but she can't do it cause it Saturday, she went to check if she can get the atm card, came back say she didn't find the card went for a 2nd time came with my atm card i asked about the money said she does not have access to open the Atm machine, ok i call Td bank did the claim, they told me it's will take 5 to 10 business days to get the money back on the XXXX of XXXX they only deposit {$440.00} to my account, when I called them said that's the only money they can give me, so they did an other claim on the XXXX of XXXX I received a mail on XXXX of XXXX said the claim is dined.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I had to file several valid disputes in which Usaa flag my acct and restricted my debit cards without proper notice before or after I contacted them about my cards not working. I was told I would have to possibly wait well past 90 days until all disputes have been resolved before I am able to even use my debit card again. It is my right a dispute so am I being accused of fraud from my own bank and beyond me and is absolutely unfair. From my understanding per usaa depository agreement I should have been properly notified and I never was.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I disputed a collection account that is listed on my credit report by CLLCN BUREAU OF THE HU., XXXX XXXX XXXX XXXX, XXXX , N. Y. XXXX. They are attempting to collect an alleged debt that I do not owe.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I was charged two {$29.00} fees on my Target XXXX for " returned payment '' fees as the autopays had been declined by my bank - one in XXXX and one in XXXX. I have since paid the payments and I called to have the fees returned, as every other creditor is doing in the face of financial hardships due to COVID-19, for moral reasons but also due to guidance from their states and the government. I was told by XXXX ( ID XXXX ) in the Payments Department that Target would not be refunding any fees nor helping in any way regardless of any laws or guidance. He actually said he wouldn't " talk politics '' with me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (NY)

Ally told us they needed just 30 days to close on a mortgage, and we applied with nearly 2 months notice. They gave us over 50 online tasks with not a single phone call or communication other than automated emails to go to their portal and complete. We did this as instructed. Despite our prompt responses, they continued to ask for duplicate documents and irrelevant information. Our final approval was supposed to be nearly a week before closing ; it is now Saturday night before our Monday closing and they are still asking us for documents. They are also providing inaccurate financial information and waiting until the last possible minute for multiple requests, which has now put our closing date in jeopardy. The absolute worst and most impotent mortgage experience I have ever witnessed. A delayed closing will not cost us forfeited moving deposits, an entire extra month of rent at our apartment which the lease is due to expire on ... .buyer beware with Ally. Minimal communication and incompetent underwriters. BUYER BEWARE - they are not worth the additional $ XXXX in closing cost credits that was the reason we chose them.
Consumer complaint received 2024-09-11
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. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I disputed a collection account that is listed on my credit report by CAVALRY PORTFOLIO SERV. XXXX XXXX XXXX, XXXX, AZ XXXX. 
They are attempting to collect an alleged debt that I do not owe.
Consumer complaint received 2020-04-25
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. (MS)

Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with XXXX balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting XXXX  and Transunion from XXXX XXXX  my score should have never changed my mortgage is still there all it did was change hands
Consumer complaint received 2020-04-24
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. (GA)

Equifax was notified about an account that is closed. I submitted a dispute request and was advised 24 hours later that the account had been investigated and the account was verified. This account has been closed since XX/XX/2019 and there is no way that a closed account was verified as still active and open. There are 2 self lender accounts. The current one was opened on XX/XX/2019 and is the current one. The one that is in dispute was opened in XX/XX/2019 and closed on XX/XX/2019.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

PNC has discontinued money transfers through mediums like XXXX, XXXX and XXXX. There is no way to send or receive money without using a check. In today 's world that is unacceptable. I now have to link credit cards which require a transaction fee.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good day. Please read this complaint seriously. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.