davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute Regarding Incorrect Reporting of Accounts by XXXX on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute and bring to your attention an error in the reporting of my credit information by XXXX to TransUnion. Specifically, I am addressing the inaccurate reporting of 17 accounts associated with XXXX on my TransUnion credit report. 

These 17 accounts were previously reported as derogatory on my credit report. However, I wish to clarify that these accounts are in fact in good standing or have been paid as agreed. The reason for this discrepancy is due to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I received. 

As per the guidelines outlined in the XXXX  XXXX  process, once my discharge was approved, XXXX should have updated the status of these accounts to reflect that they were discharged due to my total and XXXX  XXXX. Additionally, any payments made on or after the effective date of the discharge should have been refunded, as stipulated in the XXXX  XXXX  guidelines. 

Furthermore, it is important to note that these accounts should not be marked as closed, but rather should be marked in good standing or as paid as agreed. They should also remain on my credit report as evidence of my responsible repayment history prior to the discharge. 

I have already communicated this matter to TransUnion through a certified letter, providing documentation to support my claim. However, as the reporting entity, XXXX holds responsibility for accurately reporting my credit information to the credit bureaus. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of these accounts by XXXX on my TransUnion credit report. Specifically, I request that : The 17 accounts associated with XXXX be updated to reflect their correct status as discharged due to total and XXXX  XXXX. 
Any payments made on or after the effective date of the discharge be refunded as per the XXXX  XXXX  guidelines. 
The accounts be marked as in good standing or paid as agreed, rather than closed. 
The accounts remain on my credit report as evidence of my responsible repayment history prior to the discharge. 
I am enclosing copies of relevant documentation, including the XXXX XXXX approval, for your reference. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and ensure that my credit report accurately reflects my credit status. 

Please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).
Consumer complaint received 2023-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.
Consumer complaint received 2024-04-08
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. (HI)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$8000.00} XXXXXXXX XXXX XXXX XXXX  {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXXXXXX {$490.00} XXXX - XXXX {$880.00} XXXX XXXX XXXX  - XXXX {$760.00} XXXX - XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX - XXXX {$270.00}
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a money transfer through XXXX using my Capital One credit card, the transaction was never completed, funds were never disolvieses, funds were not received/released in the other end, the transaction then was reversed within the same date, within a two hour period, and Capital One charged a Cash Advance fee when there was never a cash advance done because fund were never released and never left Capital One bank. I spoke with three different agents and asked for an accounting or financial department where I could submit documentation and I was denied of this information. I was read over an over again what is a cash advance fee, which I already know what it is, therefore I ignoring the issue at hand on why I was calling, which was to point out that the transaction never realized, funds did not leave the bank, it was reversed and the credit shows on their end, therefore a Cash Advance fee is a junk fee. I would like to request for Capital One to refund this inaccurate fee and for moving forward, to treat their long time customers with respect.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Nelnet, Inc. (CA)

STOP CONTACTING ME! SEND ALL FURTHER COMMUNICATION TO XXXX XXXX  XXXX. XXXX I DID NOT REPORT IDENTITY THEFT! I REPORTED FRAUD - WHICH IS ONGOING! 

I DON'T CARE ABOUT YOUR PROCESSES OR LEGAL THEORIES! YOU ARE HARASSING ME! PHYSICS IS UPSTREAM OF POLITICS. I'M DONE WITH THE JURISDICTION! GO XXXX YOURSELF!
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX I initiated an ACH withdrawal from my ALLY bank savings account to my Chase checking account. The delivery date of the transfer was XX/XX/XXXX. On XX/XX/XXXX I received a notice from ALLY bank that they have suspended my transfer. Agents on the phone at ALLY bank are unable to help me complete the transfer and have told me the transfer was frozen due to insufficient funds which is clearly not true if you know how to read numbers.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (SC)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (MI)

I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, XXXX, and TransUnion. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, XXXX, and Transunion ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : {$860.00} ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from XXXX and TransUnion ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and TransUnion ) - Status updated : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and TransUnion ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to Transunion for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : No Payment History being reported ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Consumer complaint received 2024-04-08
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. (VA)

I am reaching out once again regarding the ongoing dispute concerning the collection account reported by your agency. It is concerning that despite my repeated communications, this account remains unverified. How many times must I reiterate that this is not verified? This situation is incredibly unfair and damaging. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-03-18
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. (GA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements. 

Attached is a copy of FTC report Respectfully, XXXX
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (IN)

Company was charging excessive fees reported them to the CF already. They responded with the letter stating that nearly one-third of the fees we're just and then refunded an amount of money that was not equal to 2/3 of the total fees. Total fees in excess of {$3000.00} amount refunded XXXX that leaves a balance of {$600.00} and {$0.00} that they still owe me according to their letter if one third is just then 2/3 was charged incorrectly. I'm asking for the remaining amount of {$600.00} be refunded to my account according to the letter from the bank.
Consumer complaint received 2024-04-08
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)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 

Attached you will see the document
Consumer complaint received 2024-04-08
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-02-19
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: CCS Financial Services, Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, 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