davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (AL)

I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees.
Consumer complaint received 2023-08-16
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. (NC)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (OH)

M & T Bank does not process payments on time. Our last payment was mailed on XX/XX/2021 and as today XX/XX/2021 hasn't posted. Since they took over our loan, they have not posted any payments on time. 
I suspect that they are doing this on purpose to charged late fees. 
Their lame excuse is that the USPS is not delivering mail on time. All the other payments that were mailed on the same day were received and cashed by corresponding companies. 
I just called them today and they were very arrogant regarding the situation.I asked the rep by the name of XXXX XXXX ID XXXX to trace the payment and he refused to o so. 
We do not want be charge a late fee or damaged our credit due to their excuses and cavalier attitude towards customers. 
Please investigate this matter since I suspect its an ongoing issue with M & T Bank.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Me and wife where in middle of divorce. She controlled the account since XXXX. She passed away XX/XX/XXXX. I have since found out that the account is negative {$18000.00}. She had tried to deposit multiple fraudulent checks and had many transactions for {$10000.00} that cleared the bank and then where pulled back by the sending bank. Bank of America failed to protect the account and allowed this to happen many times. Now that she's passed away and my name is on the account they are asking me to pay and threating to place me on some bank list for check fraud. I've had no access to this account since XX/XX/2022. It seems all these transactions happened between XX/XX/2022 and end of XX/XX/2022.
Consumer complaint received 2022-11-03
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-03
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-04-01
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)

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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. PXXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY
Consumer complaint received 2022-11-03
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX account XXXX and XXXXXXXX XXXX account XXXX is still showing on my credit report. This account is more than XXXX XXXX XXXX. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not XXXX XXXX XXXX and never get a response. I have written several letters and made phone calls with XXXX assistance. Debt over XXXX XXXX XXXX must be removed or they must show proof to validate it can legally still be reported. XXXX and transunion refuse to remove old debt. The next step will be having my attorney file a lawsuit.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (AZ)

On XX/XX/22 my card was stolen and 20 % of my balance was drained immediately as soon as I parked ( was driving when it happened ) I went into their app and did the appropriate action to flag the transactions in their system as well as calling them the following day to check the status it's now been 2 weeks after the event and I still have no resolution to the problem
Consumer complaint received 2022-11-03
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. (IN)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-03
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. (NC)

In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-03
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 XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you review the paperwork? A few of the mentioned accounts contain inaccuracies concerning reporting, incorrect amounts, and dates.
Consumer complaint received 2022-11-03
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. (NC)

In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (LA)

I had an allotment going to the bank routing number XXXX since XX/XX/2017. It was supposed to pay for a XXXX policy. The account number was wrong or according to the bank does not exist. XXXX says the money was not returned to them. The bank says they did not receive the money. The bank has not helped me at all and the last person I spoke to was very rude. I have XXXX or I would not even know this happened. Please help me find out how to get my money returned as I need it due to illness. I have no XXXX policy and I do not have the money that was supposed to pay the policy.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.