davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I opened a new penfed account on XXXX XXXXXXXX 
Made 2 mobile deposits on XXXX XXXX for {$3400.00} & XXXX XXXX for {$5900.00}. 

My deposits were placed on extended 5 days hold for new account deposit. 

After XXXX day. Penfed blocked my online access. 

I called Penfed and they require me to submit 2 identity verification. 

A copy of government-issued ID and selfie holding the ID. 

A XXXX utility statement for address verification. 

Uploaded them as instructed. Called Penfed to verify receipt. 

I contacted penfed multiple times and the last was made on XX/XX/. 

Penfed refused to give me a reasonable explanation on on unlimited day extension as they want.

Its on hold for 22 business days since XXXX XXXX. 

Penfed bank is BREAKING their own written rules and policy. 

KNOWINGLY ENFORCING and VIOLATING the law and rules that were made by REGULATION CC. 

However, they're ENFORCING a new rule not listed on the Agreement i signed when i open the account. 

I needed help from regulatory federal commission for the DISCRIMINATION, UNFAIR PRACTICE. 
Most importantly disobeying the law that was made years ago by the govt to help consumers being discriminated solely solely and purely at the mercy of the bank.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item asking you to verify as accurate. 
XXXX XXXXXXXX, address XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Consumer complaint received 2024-01-12
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (TX)

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a )  ( XXXX ). Accounts : XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX 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 in XXXX to be removed. 

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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

A check in the amount of {$17000.00} was deposited on XX/XX/2023. The check is drawn from XXXXXXXX XXXX XXXX. The deposit receipt indicated that {$16000.00} will be available on XX/XX/2023. 

However, on Monday, XX/XX/2023, I received an email from Wells Fargo indicating that the account in which the above mentioned check was deposited has gone into overdraft. 

Wells Fargo never informed me of the deposit being withheld until I called to find out why my account went into overdraft. 

I called Wells Fargo and was told that the deposit is on hold until XX/XX/2023. The reason I was given is that the payee 's bank is withholding payment due to suspicious activity on the payee 's account. 

I contacted the payee ( my customer ) to let her know of what Wells Fargo said and that she should contact her bank XXXX XXXX XXXX XXXX ) to check on the supposed " suspicious activity ''. The payee ; my customer, did call her bank and was informed that no such suspicious activities was detected and furthermore informed her that the check in question has been paid and cleared their system. 

I must point out that I've been doing business with the payee for over 10 years and the checks have always been from the same XXXX XXXX XXXXXXXX account. Furthermore, I deposit XXXX to XXXX checks per year from the same payee and from the same XXXX XXXX  XXXX account. 

Wells Fargo has been given the funds by XXXX XXXX XXXXXXXX but chooses to withhold it for no good reason. 

The suspicious activities are those of Wells Fargo and not the payee 's account or bank. 

I'd appreciate your serious attention to this matter as I'm certain I'm not the only Wells Fargo customer who has been subjected to this kind of Suspicious Activities by a financial institution known for its unethical behavior. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-01-12
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. (NV)

I have been a victim of identity theft which has caused my credit to suffer tremendously due to someone using my social security number to apply for loans and credit in my name that I did not do. Please remove the following accounts immediately. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have been a victim of Identity Theft and have enclosed the following documents with this document, My ID for Proof of Identification, my Identity Theft Report, Identifying the following information, and a copy of my statement.
Consumer complaint received 2024-04-29
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)

Upon reviewing my TransUnion and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 fumisn a account without my writen instructions
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. (FL)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I Sent dispute letter to validate XXXX accounts & Transunion responded with by saying " Verified '' without proper investigation & explanation how they verified those XXXX accounts. I went to check my credit report & it was still reporting incorrect information from the XXXX other credit bureau. I sent 2nd dispute letter on regarding XX/XX/2023 asking to reinvestigate accounts from 1st letter. I sent out a 2nd letter but unfortunately i forgot to take picture of it. I also send out on XX/XX/2023 a dispute letter for unauthorized inquiries pictures are listed down below. 

They did not respond in 30 days & dispute letters were sent certified mail with tracking number listed below in pictures.
Consumer complaint received 2024-01-12
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. (IN)

Basically I checked my credit on the XXXX mobile and I seen my credit score dropped by a lot. The name of the credit/lender that was responsible for fake debt collection is XXXX XXXX and I did some research, found out that they're are fake debt collection agency. Seen people review them online saying they are getting hit with random hard inquiries with high amounts of fake debt owed to them. I don't recognize this company or the collection/account opened on my credit report/activity. This is a fraudulent inquiry and can you guys please remove this off my credit report, I plan on buying a house eventually. It appears as XXXX XXXX XXXX - XX/XX/2024
Consumer complaint received 2023-02-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Experian Information Solutions Inc. (CA)

I have been requesting updates for some transactions that were not approved by myself on my account for two weeks now with the same runaround. Experian smart money debit card. Agents asked me to repeat myself 10 times for the agent that Im asking for that. Left me a voicemail, I faxed over the paperwork they requested and they keep saying they didnt get it well another agent says they have received it. They are charging me {$99.00} for a subscription. I know for sure that I have never signed up for also, I had to practically more than a dozen times to get them to cancel a subscription that I never signed up for the past for XXXX a month that they said that they kept, insisting on charging my card. Now all I want is my money back into my account so I can hurry up and close this account. I want nothing to do with them. They claim both this and boost that and its all a bunch of fraud if you ask me Somebody please help the transaction question are over {$250.00} I believe in which some of the companies have contacting them and said they released credit to experience smart money debit card and Experian is acting as if nothing or theres no would have to wait. They sent me the paperwork. I filed the dispute on XX/XX/XXXX, they sent the paperwork attend limit to return the paperwork to get a credit on my account of the funds. I didnt get the paperwork until XXXX XXXX and they said 10 days from XX/XX/XXXX how does that makes sense.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, XXXX XXXX. AWA Collections does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting is inaccurate and false. They are reporting to XXXX that the debt is {$2700.00} while XXXX is reported as {$2700.00}. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-11-19
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)

I was shocked to see incorrect accounts listed on my credit report this morning, and I have no idea how they ended up there. I regularly check my report, but this time I noticed unexpected discrepancies. This has been extremely distressing, and I urge a thorough review of the documents I provided to ensure that such issues dont happen again.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk.

I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused.

I contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported.

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank frozen my account and wont tell me why I can no access my money but they are still letting money in ACH. I have call the bank and went down there they instructed me to bring one account up from a overdrawn amount and they will open my accounts they instructed me it has to be cash so I did with the banker there he also heard the requirements I deposited money and they still would not open my accounts I still can not got a answer as of why and cant access my funds I have been banking there with no problems for 9 years
Consumer complaint received 2024-01-12
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. (AR)

I have diligently followed the established dispute process, submitting detailed letters and supporting documentation to substantiate the inaccuracies in reporting. However, despite these efforts, the charge-off accounts remain unchanged on my credit report.

I would like to bring to your attention the following concerns : Despite multiple attempts, there has been no resolution to remove the inaccurate charge-off accounts from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy of the information they report.

The presence of these inaccuracies has significantly impacted my credit score, making it difficult for me to secure favorable interest rates on loans and obtain credit when needed. This situation is unjust and undermines the purpose of credit reporting, which is meant to provide an accurate reflection of a consumer 's creditworthiness. 

It appears that the credit bureau has not thoroughly investigated my disputes, as the erroneous information remains on my credit report. I request a detailed and comprehensive investigation into these matters as mandated by the FCRA. 

I kindly request your immediate attention to this matter and a prompt resolution to remove the inaccurate charge-off accounts from my credit report. If necessary, please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$29000.00}.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove.