davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I initiated a XXXX  transfer through my Citibank mobile app in the amount of {$1300.00} to my landlord for rent payment. As usual I logged onto my app and initiated a payment by selecting my landlord 's email address on the list of contacts. On the night of XX/XX/2018, she contacted me to advise that she never received the funds. I looked in my list of transactions and the money was taken out. I looked further on the list of XXXX transactions and realized it indicated that the funds went to an unknown individual. I called the bank and they opened up an investigation. The investigation then resulted in them claiming that I initiated the transaction by entering this unknown individual 's XXXX digit telephone number. I advised them that I did no such thing and this has to be some type of fraud where someone intercepted this transaction. I appealed the decision which resulted in them claiming that I mistakenly inputted the phone number. I appealed it again as I've only sent transactions with email addresses and individuals that I know who are on my contact list. I've visited 2 branches and tried to get help with no luck. I tried calling the unknown individual when this all started with the advise of the citibank rep who opened up the initial investigation. I spoke to the woman who claimed that she had 3 bank accounts and she would have to check each one. While on the phone with her she checked her Citibank account and her XXXX account. She said no funds came in. She then strangely said that her third bank account with Bank XXXX XXXX was recently closed and that is the bank that is associated with the phone number I called her on. She then went on to say that the phone she picked up was her daughter 's. She said she would confirm and get back to me. She never got back to me and after the first appeal with Citibank I went to a branch in XXXX, NY. While with the bank rep we attempted to call the number together only to discover that the phone number was disconnected. On XX/XX/2018 during my second appeal, I requested the documentation from the first investigation. On XX/XX/18 they mailed me a screenshot of their system which basically just states that " names do not match. Funds not available. Funds will not be returned ''. They did not look to see if this is fraud, they only looked to see that the names did not obviously match and refused to look deeper. If this is a fraud where people are diverting funds during a transaction, it must be investigated properly. I did not input a phone number when initiating this transaction. I also attempted to contact XXXX because citibank claimed that once the funds are posted and out of my account, the funds are in the XXXX network and they can not do anything. When I contacted XXXX, they state that unless the transaction was performed in a XXXX XXXX, they cannnot do anything.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

My Chase XXXX XXXX credit card charged a late fee and interest because JP Morgan will not process electronic payments on Sunday. The credit card itself may not process payments on Sundays as well. 

My XX/XX/XXXX payment for this card was due on Sunday, XX/XX/XXXX.  I pay this Chase credit card electronically from my JP Morgan checking account. The payments are supposed to be credited the same day, although they usually are not. 

However, JP Morgan bank will not allow me to make an electronic payment on a Sunday. It may be that neither would Chases XXXX XXXX credit card process an electronic payment on a Sunday. For these reasons, due to JP Morgans refusal to make electronic payments from its checking accounts on Sunday, and especially if the credit card itself will not process a payment on the day it is due, Chase credit cards should be forbidden from charging late fees and interest fees for any payments due on a day that its banking division will not make a payment, and/or the credit card divisions themselves will not process a payment. 

This is a recurring problem with JP Morgan and Chase credit cards that I have filed CFPB/BCFP complaints about before. Yet it continues to happen. Chase credit card continues to levy unreasonable fees and penalties.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last XXXX years. my score has gone up almost XXXX pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan XXXX the letter. I've reached out to the credit reporting company several times to get it removed and the loan XXXX faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number XXXX XXXX consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
Consumer complaint received 2018-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2018 I contacted Wells Fargo and informed them that I was changing my Insurance to XXXX and that XXXX was faxing the new rate ( which was lower ). On XX/XX/2018 I noticed {$950.00} was taken out of my account. I called Wells Fargo and they informed me my insurance went up. I corrected them and told them they were informed XX/XX/2018 of the lower rate and new insurance company. They told me that the analysis was done on XX/XX/2018 and since I didn't request specifically for another one they couldn't change the payment. Again, I called Wells Fargo several times and they informed me that had the right amount because on XX/XX/2018 they paid the lower amount of {$690.00}. On XX/XX/2018 they still went ahead and took out more money and never informed me of this. I was then told that I could not get that money back and would have to stop payment. I would like to get the overage that I paid ( {$64.00} ). As a XXXX veteran I am on a strict budget and these unexpected costs can hurt me financially. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I wrote a company check paying for products received. The check was written for XXXX on XX/XX/XXXX ( cleared XX/XX/XXXX ) to XXXX XXXX, who uses JP Morgan Chase. When reconciling our account we discovered the check cleared for {$3800.00},  {$1000.00} more than it was written for. The check image on our statement shows someone crossed out the numeric total and wrote that it was keyed for XXXX and marked their Initials. This was not authorized by our company nor were we informed of this occurring. The company the check was written too claims they did not do it so it must have been done by JP Morgan Chase.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- 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. (FL)

My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights.

Thank you for your prompt attention to this matter. 

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 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 XXXXXX/XX/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. (GA)

The collection agency listed accounts on my credit bureau report without contacting me and once I asked for validation of the debt, I did not receive adequate documentation. I requested more information and did not hear back from the collection agency, no response. I notified the credit bureau of this infraction and they did not remove the collection from my credit report stating the debt was verified. I asked the credit bureau for proof of how the debt was verified and did not receive a response. These issues have far past the 90 day mark. Please have these infractions removed from my credit bureau reports. 

Thank you, XXXX
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

{$390.00} was sent to a bank account from PayPal. The routing number I entered was wrong. 2 days later I called PayPal and made the correction. The PayPal customer service woman said that the money had already gone through and the transaction had been completed. The bank says that the money did not go through obviously because the routing number was wrong. So the money would have been returned to the sender. PayPal can not do anything nor can the bank. But the fault obviously lies with PayPal.
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (MI)

I am filing this complaint regarding significant inaccuracies in the reporting of my account originally held by XXXX  XXXX XXXX XXXX supposedly created on XX/XX/year>, which was subsequently sold to XXXX XXXX. These reporting issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), which have caused financial and emotional harm. Based on these violations, I am requesting deletion of the account from my credit reports with TransUnion and XXXX, release from liability, and {$1000.00} per violation as outlined below. 

Violations and Reporting Issues : Incorrect Account Number : TransUnion and XXXX report this account as XXXX instead of the contracts actual account number, XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Incorrect Furnisher Information : The account was sold to XXXX XXXX, yet it is still listed as owned by XXXX  XXXX XXXX XXXX. This misrepresentation violates FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), which requires accurate furnishing of account ownership.

Inaccurate Balance Reporting : The balance is incorrectly reported as {$1200.00}, omitting {$0.00}. FCRA mandates accurate reporting of credit information, and this error directly violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

Misreported Payment Schedule : The agreement reflects monthly payments of {$88.00} over 18 months, which does not total the amount stated of {$1600.00}. This miscalculation and failure to accurately report the payment terms impacts my creditworthiness and financial profile, violating TILA ( 15 U.S.C. 1638 ( a ) ( 5 ) and ( a ) ( 6 ) ).

Inadequate Disclosure of E-Signature : My rights regarding electronic signatures were not disclosed as required by the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Given this lack of disclosure, the e-signature could have been completed by anyone, further invalidating the contract terms.

Failure to Provide Accurate Information Despite Disputes : I previously disputed these inaccuracies, yet TransUnion and XXXX failed to conduct a reasonable investigation or correct the errors, which violates FCRA ( 15 U.S.C. 1681i ). The persistence of these inaccuracies has negatively impacted my credit score and financial opportunities.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX ( Account Number : XXXX  ) This account has been inactive for approximately seven years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX  ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXX XXXX  ( Account Number : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
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. (IN)

I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/year>, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are fraudulent inquiries on my credit reports. XXXX : XXXX XXXXXXXX. Trans union : XXXX XXXX XXXX XXXX XXXX XXXX
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  ) Account # ( XXXX )