davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I requested a transfer of {$7000.00} from my PenFed XXXX account to my XXXX  checking account over a week ago, and it has not occurred. See chronology of events : XX/XX/year> using PenFed online access I set up a transfer of funds to another XXXX XXXX account which has been in place with PenFed for quite some time, I have transferred funds using the account several times. I received an email from PenFed confirming my transaction. See attached. 

XX/XX/year>. This is the " effective date '' as represented by PenFed when the transfer of funds would occur. 

XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I called PenFed to obtain an explanation and expected date of transfer. I was told it could take XXXX business days. They had no explanation except to say it was still " pending. '' I also suggested that their own confirmation as well as their online system should indicated clearly that the date I may select for the " effective date '' may not result in the transfer happening on that date. 

XX/XX/year>. I checked my account around XXXX a.m. XXXX today ( Tuesday, XX/XX/XXXX ), and the transaction still has not occurred. 

Requested Actions by PenFed : 1. Immediately effectuate the transfer of funds. 
2. Review their policies and procedures to ensure they comply with applicable laws pertaining to release of funds. 
3. Review online systems to improve the notification of the actual timeframe within which a transfer may occur. At a minimum, on the screen where the customer selects the " effective date '' add a notation ( parenthetical, asterisk, etc. ) explaining the " effective date '' is NOT the date the transfer will occur but it is the date the next business day the customer requested the transfer and that a transfer may take so many days. 

Thank you for your assistance. I am very disappointed that I have to file a complaint in order to get my funds transfered. Thankfully, this was not an emergency or did not cause any overdrafts. I have however been delayed in using the funds as desired as well as expended unnecessary time simply trying to get a clear answer about the delay.
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/year> I was given a bill from my student loan service provider MOHELA that was due on XX/XX/year>. I paid it the next day on XX/XX/year> and got a confirmation email ( attached ) from MOHELA stating it was being processed ( it takes a few days for the payment to go through ). The money was officially taken from my bank account on XX/XX/year> as you can see on the bank statement that I attached. I always pay my bills as soon as I get them. I received a notification that my account had gone through a system transfer a few days after I made the payment. I noticed that the money still hadnt been processed into my account after the system transfer. I emailed and called them and was told to give it XXXX days for all payments to update and transfer to the new system. I refused to pay twice for a bill I already payed, but continued to pay for new bills. So when the due date for the original bill came and went, I received late payment notifications. I emailed the company again about my payment and was told that I had a bill that was XXXX days delinquent and to pay it ( which I already knew?? They completely ignored my email and just told me to pay the overdue bill ). So I emailed them again, and they told me they received the payment and it would be published to my account WITH the original date I paid it and to give it XXXX days and IGNORE late notices for payments. So I waited. Then I looked back on XX/XX/year> and noticed that it had STILL not been applied to my account, so I emailed them again ( their phone system is atrocious and it takes forever to talk to a real person so I preferred email ). They now told me that they never received my payment and to give them more information. So Im just confused because in one email theyre telling me they received it and then the other they havent? Something just isnt adding up to me and its making me feel like my money and loans are being completely mismanaged. I am beginning to no longer trust this company and its hard to keep paying them my money when I dont know if theyll be able to keep up with it or not. Its been around XXXX months and I need to know where the {$180.00} I paid them went. Ive attached all email communication Ive had with them and I will also be sending them another email stating they need to look into it again and find the money I paid. Their system does not allow me to attach files so maybe reporting it here will actually make them do something.
Consumer complaint received 2023-03-15
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. (OH)

This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX  : {$6300.00} XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXXXXXX : {$0.00} U S DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$920.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

My monthly payments have been on time ( i.e., first of the month ) to Synchrony Bank and the payments have been more than the amount due. However, Synchrony Bank has been crediting my payments to the previous month and I have been penalized with several late fees. Also, I am required to pay twice as much as the normal amount due. I have requested that Synchrony correct this err, but they have told me that this is my fault. This could also negatively affect my XXXX XXXX.
Consumer complaint received 2024-07-04
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (GA)

The very first charge from XXXX XXXX which I have a receipt for is not showing on my statement. The last charge is an adjustment charge after bringing the vehicle back in and getting prorated. Therefore the second to last charge that was automatically billed was supposed to be reversed. I called XXXX XXXX dept they said that I will be refunded the amount by XX/XX/XXXX or XXXX. Didnt get refunded called them back trust tell me call XXXX XXXX. I do so they say they dont see an additional charge ( unauthorized charge ). They refuse to help me. I reach out to my card holder Capital one about the issue. The first person I speak with didnt want to take the Rental Record number in the dispute claim. Then I had to call back after not hearing anything and they say I need to speak with another person and another person and eventually I get to a manager and they are saying submit the additional info online. I do so and they say they cant find it dispute closed. No further questions for whats going on no call in to further elaborate just nothing. They say send the receipt that I have as literal proof and they dont do anything to rectify the situation. This charge was the charge that initially caused my CC to be over its limit and Ive been trying to fight it and been struggling to pay what has racked up along with my own charges. Its so disturbing that these companies can try and fool you when you have receipt proof and they dont want to accept it. Literally makes no sense!
Consumer complaint received 2024-07-04
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. (CA)

I am writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

XXXX. Unauthorized Auto Loan : Lender : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-04
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. (AL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of unauthorized hard inquiries from my credit reports. On XX/XX/year>, several hard inquiries were made on my credit reports with all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), which I did not authorize. 

Details of the unauthorized hard inquiries are as follows : Date of Inquiry : XXXX. Companies listed : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Credit Reporting Agencies XXXX XXXX, XXXX, TransUnion These inquiries were not initiated by me, and I did not apply for any new credit or authorize any third parties to access my credit information on the mentioned date. The presence of these hard inquiries has negatively impacted my XXXX XXXX, and I kindly request your assistance in having them removed. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Right to Financial Privacy Act ( 15 U.S.C. 6801 et seq. ), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports and to protect the privacy of their personal financial information. I am exercising these rights to dispute the aforementioned unauthorized hard inquiries.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I need your help hunting down some Cell phone Hackers. They have been hacking into my smart phone since XXXX XXXX of 2020 until today. Theyve hacked into my XXXX Accounts storage. XXXX emails, XXXX! Email, XXXX email and XXXX XXXX Apps. My Bank of America XXXX and XXXX XXXX were and still constantly being hacked into. I noticed I have to change my user name and passwords more frequently than ever before. They illegal monitored every single app I downloaded into my smart phone. I contacted my banks and some other apps companies but the problems remain the same. I noticed they watched me use the apps such as XXXX, XXXX, XXXX and other game apps then they made changes to the features/functions of the apps to make them less convenient or take a way the features of the Apps. Most of the game Apps became useless so I deleted them. I noticed many apps ( Im guessing at least XXXX apps ) disappeared from XXXX XXXX and I couldnt find the same apps on XXXX XXXX again. 
I know my smart phone being hacked but I couldnt and still cant report to anyone accept to my phone company XXXX prepaid. I called their tech support and brought about XXXX different brands of smart phones into their stores to check up on the problems but I still haven t been able to resolve it. I heard they hacked into the XXXX system and modified the features on my phone just to annoy me. 
I found XXXX Game App I like and Ive using this game app for about 3 months. The name of the game app is XXXX XXXX XXXX XXXX. They paid me XXXX cent to my XXXX account then they stop. I have approximately XXXX in payouts that XXXX still waiting for them to pay me but they still havent. It takes about 3 days from the day I requested the pay out then after the XXXX hours they went into a queue. After the queue they wanted me to collect XXXX red diamonds to receive the pay out. I know for sure this is the added on or altered feature of the game app. This is the work of the Hackers. Please help me track them and put them in XXXX. I heard these hackers were convicted felons from XXXX and theyve done this kind of work before thats why they went to jail to begin with and since they escaped from jail they are now doing the same thing that they did before. 
Please do not delete the App. I need your help to fix the app and track down the Hackers. I already emailed the app developer but they havent responded to any of may emails yet.

They also Stole mail from my mailbox. Please help me catch these mail thieves. Thank you.

DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE EVEN IF THEY CLAIM THEY ARE THE INVESTIGATOR, POLICE, FBI, CIA. I WOULD LIKE TO KEEP MY COMPLAINT CONFIDENTIAL. THANK
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXXXXXX XXXX XXXX Equifax verified and validated this account XXXX XXXX XXXX after reinvestigation. XXXX failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates XXXX XXXX XXXX XXXX, and XXXX I. This account was sold off which it is not reported, this account is over XXXX years old and this account states XXXX  every month which manipulates the age of the accout. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these inaccuracies. XXXX title XXXX XXXX states if information is not reported accurately it must be deleted. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit XXXX had more than enough time to correct this which they failed to do so violating my consumer rights. I am providing proof XXXX and XXXX removed already to insure complete accuracy Equifax must do the same
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (KS)

On XX/XX/2024 I received an email from XXXX XXXX XXXX XXXX assignee XXXX XXXX. The email advised me to call or write them by XX/XX/2024 to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/2024. On XX/XX/2024 I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear credit bureau 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. Account name : XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I opened a claim here against Experirian and asked them to remove XXXX accounts related to XXXX XXXX from my credit report, a business credit card and a regular credit card. I am asking once again for these accounts to be removed from my credit report as XXXX did in my first complaint. 
I didn't understand what they did in the first complaint, they sent me a letter saying that they updated something with the company XXXX XXXX but I did not authorize them to pass on any of my information to that company, YOU MUST just check my social security and see that the numbers do not correspond to my document, this is my second complaint here and this error is affecting my reputation, remove this quickly from my credit report I'm trying to buy my XXXX XXXX  and I can't because of this error. REMOVE IT
Consumer complaint received 2024-07-03
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. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (TX)

ProCollect removed the account falsely reported from my credit profile and then added it back. This alleged debt is not owed because XXXX County Judge dismissed the case finding the Plaintiffs did not provide sufficient evidence and eviction was done illegally. The case was appealed from the XXXX Courts to a higher court who dismissed the case due to Want of Prosecution and plaintiffs lied. County Court Judge XXXX XXXX dismissed the case. This debt is not owed and the fact that they keep trying to report this to the credit bureaus shows that they are not only violating my consumer rights but also the FCRA and FDCPA. I have included the higher courts judgement regarding this case and the case was closed.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX