davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

I missed a couple years on taxes so I filed for XXXX tax returns this year yay!!! lol but I deposited my cash from my tax return in XXXX it didnt show up and my second tax return can in XXXX at the end of the month I deposited it also. I have proof I got both my tax returned this year with in the last couple months. My account balance is in the negatives because they say it was false and they would not open up my deposit of XXXX because of some reason in total about XXXX was in my account and these guys act sooo non challenge
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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)

Hello!! I have been trying to get the bureaus to correct erroneous information reported in my report, however, so far I have not received responses, I attach the letters that I myself have made and sent to, that you can see the errors that I highlight to the bureaus and which they have ignored for a time ago
Consumer complaint received 2018-08-02
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: JPMORGAN CHASE & CO. (NY)

I Am having A Problem With XXXX Credit Report Agency With Something About Chase Showing On My XXXX Consumer Report please help me with this problem Chase Bank Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My XXXX   Report Please Help me with this
Consumer complaint received 2024-05-15
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 writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$240.00} Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA 605B I am requesting the deletions of the late payments for : XXXXDEPT OF ED XXXXDEPT OF ED XXXX late payments which have been deferred. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-08-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account from 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
Consumer complaint received 2024-05-15
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. (NY)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2024-05-15
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. (PA)

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX Bank Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card I looked at my Transunion credit report XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to XXXX usc XXXX they are suppose to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
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. (GA)

This company has nonstop made negative report about mine. Has violation of FCRA and face fines and violations. They are not verified and giving consent my me physically and I have not been anywhere near their website. Please remove or my credit attorney will file suits.
Consumer complaint received 2024-08-29
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. (IL)

I am XXXX XXXX, I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine.

I need help to get these problems resolved so that I can be financially secure.
Consumer complaint received 2024-05-15
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. (IL)

I discover some negative items on my credit I contacted the company several times to remove it, but I have no response I would like for this to be removed. Immediately is bringing a negative connotation on my credit profile.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-08-12
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. (GA)

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's my understanding that Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AL)

My wife endorsed 2 checks for me to deposit those through the app. 

the checks went through but now CHASE decided to freeze my account and the deposited check funds ( XXXX ) because they were not able to verify my wife information, they were not able to find a phone number to contact her. 

we just moved here, in XX/XX/2024, my wife has a prepaid phone number with her name on it but was not enough to be verified. 

right now Chase wants to close my account without giving to us the deposited check funds ( XXXX )
Consumer complaint received 2024-05-15
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)

ALL XXXX CREDIT REPORT AGENCIES ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND WITH ME PROVIDING PROOF THAT THESE ACCOUNTS DO NOT BELONG TO ME. MY IDENTITY WAS STOLEN AND I PROVIDED PROOF THAT MY IDENTITY WAS STOLEN.
Consumer complaint received 2024-05-15
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)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-15
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. (MO)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently ensured that payments on this account are made on time, always avoiding overdue payments. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX at XXXX XXXX, I contacted PNC Bank via phone at XXXX and spoke with the XXXX in the call center regarding a missing payment credit transaction for XXXX regarding a sale. I explained to XXXX that there was a missing payment that was never applied to my business account from XXXX in XX/XX/XXXX in the amount of {$5.00} as per conversion rate. He performed research in my account and did not find the transaction mentioned, made notes in the account, and processed my request as an escalated complaint. As such, he recommended that I follow-up the following week regarding the complaint. 

On XX/XX/XXXX at XXXX XXXX, I called PNC Bank to follow-up and spoke with a representative regarding the status of account. At the time, the rep did not see any new information for my account and that I would hear something within the next week. 
XX/XX/XXXX called PNC back as a follow-up to complaint and there was no update on status. 

Sometime after XX/XX/XXXX through XX/XX/XXXX, my complaint was referred to XXXX within the PNC escalations department. Her contact number was XXXX. In between such time, XXXX asked if I had a trace number from XXXX so that she could research the payment transaction. I explained that I had other forms of information available but not a trace number. She stated that I needed a trace number for her to begin research and that she may not find anything because the transaction occurred in XXXX. 

XX/XX/XXXX, I called XXXX at XXXX and spoke with XXXX for 3 minutes as a follow-up. 

On XX/XX/XXXX, I called and spoke with XXXX at XXXX. We spoke for 13 minutes regarding my complaint. I provided XXXX with the XXXX payment month of XXXX, XXXX XXXX XXXX rate of {$5.00} in USD as well as to get the Trace Number XXXX from XXXX Accounts Payable Team for date XXXX She stated that there would be a possibility that they would not be able to trace the payment even with the Trace Number that I provided because the action occurred in XXXX.
Consumer complaint received 2024-08-15
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (FL)

I am a victim of identity theft. I provided a police report with the case number to all 3 credit bureaus in XX/XX/year>. All three credit bureaus refused to remove accounts. I did not authorize any accounts to be opened in my name. I have been saving to purchase a home for myself and my kids. I am having a hard time providing a roof over my kids head because of these erroneous accounts.
Consumer complaint received 2024-05-15
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00}
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has been investigating the matter of unauthorized transactions that occurred between XX/XX/XXXX and XX/XX/XXXX. I had reported the issue to both the bank and the merchant involved. To ensure the security of my accounts, I had implemented two-factor authentication and had not engaged in any suspicious activity. However, my XXXX was stolen in XXXX on XX/XX/XXXX, which I suspect may have led to the unauthorized access of my accounts. Despite taking the necessary precautions, my email, credit cards, XXXX, XXXX, and XXXX  accounts, as well as my SMS verification, were compromised. 

Despite my efforts to secure my accounts, I was informed by the merchant that they would not be able to issue any compensation or refund for the unauthorized transactions. I have written proof of their assistance and their claim that I did not take sufficient steps to secure my account. However, I am deeply disappointed in Wells Fargo 's handling of the situation. Throughout their investigation, they did not keep me updated and I had to repeatedly call to obtain any information. Despite a full investigation, they simply denied my claim without offering any explanation or requesting additional evidence. In comparison, the merchant involved asked me more questions and showed more interest in resolving the matter. I was eager to find a resolution to this situation and seek a more professional and serious approach from all parties involved. But as stated with Wells Fargo it is closed and I cant do anything about it. So im putting this complaint in to show me disappointment. I have not received any emails or letters yet about my claim, just a phone call stating my claim is denied and closed. I had another CFPB complaint a few days ago where a wells fargo executive called me. She was helpful and nice and im hoping maybe she can have a XXXX  look at my claim. Wells Fargo requested i work with the merchant but as you can see they arent helpful. They claim I was neglectful on securing my account but I had every security measure in place.
Consumer complaint received 2024-05-15
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. (NC)

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX  ), and XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX  ), concerning XXXX XXXX  incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, XXXX XXXX has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX as a personal liability. The responses from XXXX XXXX, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a company XXXX XXXX XXXX XXXX, and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, XXXX XXXX has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and XXXX XXXX XXXX. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.