davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX  XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX  XXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. 

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX  XXXX account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for TransUnion, XXXX and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON ME!!!
Consumer complaint received 2024-11-15
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. (NJ)

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2018-11-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (CA)

I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 I took my cat to my old vet. My cat was misdiagnosed and put on wrong medicine. {$96.00}. On XX/XX/2018 I took my cat back to my old vet because my cat was very sick. {$48.00}. When I saw that my cat was not getting better, I took my cat to a new vet. My new vet correctly diagnose my cat and put him on correct medicine. It is my opinion that my old vet should not be paid. I initiated a dispute with Wells Fargo. Claim number one XXXX. On XX/XX/2018 at XXXX XXXX, Wells Fargo called me and told me that I lost my dispute because I signed the two sales receipts thus accepting the terms of both sales. I adamantly disagree with the Wells Fargo dispute representative because at the time I signed both sales receipts, I didn't know that my old vet misdiagnosed my cat and gave my cat wrong medicine. When I asked the Wells Fargo dispute representative if I have any appeal rights, the Wells Fargo dispute representative scoffed at me. After I was scoffed at I askd to speak to a supervisor. The supervisor told me to re send all of my dispute documents via email and Wells Fargo will take a second look at my dispute but that the two charges will remain on my account. It is my opinion that Wells Fargo did not do enough to protect my Visa rights. It is my opinion that Wells Fargo just wants to vacate my dispute doing as little work as possible. Nice right? While they charge double digit interest! I am forwarding this complaint to the cfpb for further investigation.
Consumer complaint received 2024-11-15
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. (CO)

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 2024-11-15
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. (MI)

On XXXX XXXX I received a letter from my XXXX XXXX XXXX XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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. (CO)

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.

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 a 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 2024-11-15
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. (TX)

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

US DEPT EDXXXX US DEPT ED -XXXX U S DEPT OF ED/XXXX US DEPT OF ED XXXX also the next inquiries XXXX XXXX XXXXXX/XX/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 2024-11-15
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)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

This issue appears to be recurring in the last 6-8 months. I have had bill pay with Wells Fargo for several years. With their service I post date of transaction and then a drop down menu for date to be paid which I generally post and release 2-3 days prior due date. Within my own credit card with Wells Fargo I have been in the past able to post on the same day as due date without any interest charge. 
The last month they withdrew from my payment of {$1400.00} post date XX/XX/XXXX for withdraw XX/XX/XXXX with a due date of XX/XX/XXXX. 
This month statement I'm charged for a interest fee of {$22.00}. We have conversed through email and now they have taken payment out on XX/XX/XXXX of {$1400.00}. Now being displayed as 20 days late of payment. 
I am trying to build my credit and not sure of the recourse that I should take but this is not tolerable switching a payment out of my bill pay and posting that I am now 20 days late. I have paid in full for this to day XX/XX/XXXX with due date XX/XX/XXXX showing the it will not be delivered until XX/XX/XXXX. 

Pleas help
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

History : My mortgage was sold by XXXX XXXX to Ditech Financial in XX/XX/2018. 

Once my account got transferred over to Ditech, I wanted to prepay about 25-30 % of my remaining mortgage for the purpose of saving some interest and re-allocating some of my portfolio to the tune of {$120000.00}. 

I made a few test payments, through Ditech 's bill pay ( {$10000.00} ) as well my Credit Unions bill pay ( {$1000.00} ). It went fine. 

Then I made a bill pay transaction for {$100000.00}, through my Credit Union 's  setup. They mailed a cheque and Ditech cashed it on XX/XX/2018. I had added a memo, " Please apply to Principal '' ). 

To my surprise, only {$9000.00} of the {$100000.00} was applied to my Principal, with the remaining {$100000.00} unaccounted for. 

Multiple calls to Ditech resulted in vague denials/reasons, it probably will happen in a few days to nothing happening so far. 

I'm concerned that this company is committing some kind of fraud with my money. 

Please take action against these guys.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me. 

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested. 

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Consumer complaint received 2023-08-15
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. (MD)

My name is XXXX XXXX XXXX this XXXX 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 2024-11-15
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. (IN)

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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received an email from this company yesterday stating that the company stated it is still working on the issue but the company XXXX sent an email yesterday stating the dispute is completed. Therefore, the issue was not resolved. This is report # XXXX. I requested another dispute today to have the item removed from my credit file permanently.
Consumer complaint received 2024-11-15
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

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 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a secured visa card from Bank of America. I have had it for nearly eight years. When I originally got the card I was told that after a year I could get my deposit back and turn the card into a non secured card. I was also told that my account would be reviewed every six months for a increase. It has never been increased expect for last year for a emergency. The increase was for one week. I have been told several times that I was due an increase but nothing ever happens. It also has not helped my credit score. It has been the same for the last seven years.
Consumer complaint received 2018-11-07
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: Innovis (ND)

I have contacted Innovis on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying this erroneous reporting account as accurate, and they always reply with, " we obtain our information from the credit bureaus for this account. '' The credit bureau, or any agency that sells information " for profit '' for credit reporting purposes, are NOT the original creditor for this erroneous reporting account, and any reporting of accounts, except by the original creditor of the account, should not be considered as trusted information and deemed verified. If Innovis can not provide me with satisfactory written proof of the creditor they contacted, the creditors phone number, and the name of the customer service rep that provided Innovis the information to verify the account, they are in violation of my FCRA rights and by law, they MUST delete this erroneous account from my credit report!