davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (NJ)

The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

My son asked me if he could get somethings on XXXX only. Said you can get {$3000.00} only. I went into the hospital. When I got out of the hospital I went to use my Wells Fargo debit card and there was {$4.00}. I disputed it with the bank. Not sure if they understood that I ok 'd only {$3000.00} not XXXX. I'm broke and homeless now. What can I do to get my money back. He left me homeless and without a car. The bank did as well by not reimbursing my money.
Consumer complaint received 2020-04-07
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: Independent Savings Plan Co. (VA)

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Consumer complaint received 2024-03-19
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. (CA)

I have spent months disputing two charge-off accounts fraudulently reported by XXXX XXXX XXXXXXXX and XXXX XXXX XXXX which do not belong to me and are illegally being reported on my TransUnion report as well as my XXXX report. However, XXXX has deleted both items as the creditors reporting on the reports asked for it to be removed as it is fraudulent and illegally being reported and was a clear case of identity theft. I have submitted countless documents as supporting documentation including an approved police report, an affidavit, an identity theft FTC report, along with proof of identity with a valid government issued photo ID along with a social security card/passport over multiple disputes. I have asked for method of verification that TransUnion is using to validate the debt and keep furnishing information that is not mine and is ALREADY DELETED BY XXXX, which i will provide as such as I pulled my most recent XXXX report yesterday, XX/XX/2024 so it as recent as possible. The reports between TransUnion, XXXX, and XXXX are almost identical outside of the two charge-offs being reported on TransUnion and XXXX and not on XXXX, which did the correct thing and deleted a wrongful, fraudulent account from my XXXX consumer report. I will provide proof that XXXX does not show the charge-offs and have been removed and I ask thst CFPB either make TransUnion provide me complete documentation of every person they spoke with at XXXX XXXX XXXXXXXX and XXXX XXXX and when along with paperwork provided with original contract, wet-ink signature, proof of IP address of application, and correspondence sent through the many months of dispute process that I received at the proper current address via certified mail or return receipt with signature proving I received any such correspondence of the debt or the requested information. XXXX could not obtain such information from XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and deleted the charge-off accounts from my credit report, I ask the CFPB do ensure TransUnion does the same as I know they can not provide that information without lying. HOW CAN XXXX DELETE AN ITEM AND TRANSUNION CONTINUE REPORTING THE SAME EXACT CHARGE-OFF ACCOUNTS?? THaAT IS ILLEGAL. They might not share information, but they are required to follow laws and report the same information otherwise somebody, somewhere is lying and I will not tolerate it.
Consumer complaint received 2021-06-19
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (WA)

XX/XX/2021 COMMONWEALTH FINACE XXXX XXXX XXXX XXXX, PA XXXX ***SENT VIA CERIFIED MAIL*** Certified Mail No. XXXX XXXX XXXX XXXX XXXX Commonwealth XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX COPY SENT TO XXXX  RE : Collection Account # XXXX To Whom It May Concern : This letter is being sent to you in response to an entry made on my XXXX, XXXX, XXXX  Credit Report, XX/XX/2021. I neither affirm, nor deny this purported debt. You claim I owe {$2200.00}. Please tell me how this was calculated. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec809 ( b ) that your claim is disputed, and validation is requested. I am herby requesting a copy of the last bill that says I owe somebody and a signed cop of the agreement. In addition, I need to know how much you paid for this debt, what was the original delinquency date according to the amount you say I owe.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the
above-named Title and Section of the Fair Debt Collection Practices Act.

You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Your legal staff will agree that compliance with this request is required under the laws of State and Federal Statutes.

In addition to the debt validation form, please attach copies of : 1. Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal Authorities. I also hereby reserve my right to take private civil action against you to recover damages. 

In addition, The Fair Credit Reporting Act states that while this item is being investigated by you ( under dispute ) you must remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. I have taken the liberty in also copying this request to the Credit Reporting Agencies. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cc : CRAs ( XXXX, XXXX, and XXXX  )
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

I have already notified Macy 's and XXXX XXXX XXXX XXXX that this credit card was used without my knowing or permission. My now estranged wife had even used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. Citibank even recognized this and deleted the Citibank entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/XXXX. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. I opened this account on the day I purchased our wedding rings on XX/XX/XXXX solely to get a discount. That is the only charge that I am responsible for and I made that payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX confirmation # XXXX. At the very least I should not be responsible for all of the in-store purchases that she made on my credit card because the employees failed to verify her ID against the name on the credit card. This is a practice that has disappeared in recent years and when my ID is checked I am thankful for merchants doing their due diligence.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bit the neighbors. 
I agreed to cover the deposit on the Vet XXXX The total turned out to be XXXX and I received a statement that that I would receive a credit for the remaining XXXX. 

I called when I didn't see the credit and I should wait a few days. 
My husband called back on XXXX and XXXX Vet then stated I was no longer getting a credit despite what the receipt and invoice showing I am clearly owed one. I had paid w/Carecredit so I immediately disputed the transaction. 

I sent the invoice showing the owed credit and filled out the forms. 
Apparently when they investigated XXXX disagreed ever saying I was getting a credit and despite having it in writing CareCredit denied my claim on XX/XX/XXXX. I called to inquire the status XX/XX/XXXX and when I asked about appealing the decision CareCredit abruptly hung up.
Consumer complaint received 2021-06-19
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. (OH)

on XX/XX/XXXX I put in a dispute with Transunion for 2 items on my credit report about a bankruptcy that was reported of my files I called the bankruptcy court and they did a investigation and found there was no files of a bankruptcy at all so I sent the letter I got from the court to have this removed form my reports Transunion is telling me that it was verified but they refuse to give me the information from where they are receiving there information that tells them that with the letter they received from me from the court the issue should be removed at once due to there is no files on this at the court at all so i m am putting in a complaint to have this removed from my Transunion report due to what is stated in the court letter there are no files of a bankruptcy and want it removed they are also stating that a XXXX  XXXX bank card XXXX is verified as well but they refuse to give me the information from where they are receiving there information that tells them this as well so I would like this removed as well do to it looks like a big error and there is no records of any such account on any other reports from any credit bureaus thank you XXXX XXXX XXXX
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (NY)

Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-06-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (OR)

When returning the car at the end of the lease, we were told that a final turn-in payment is due - but could not be paid at the time ( I offered to pay it when we turned in the car but was not allowed ). We received the notice in the mail to pay the {$400.00} final bill, and we sent a check to them. 
Less than a month later, we get a call saying they did not receive payment. I tell them the check number and date sent. I offer to cancel the check and pay by debt card ( or any other method they choose ), and was told " let 's wait another week to see if we get it - we know the mail has been extra slow with the pandemic ''. She says she will call back next week if nothing was finally received and we could pay with card then. I say OK. 

No call back. a few weeks later we get another letter. I assumed it was " yeah, we got the check, here 's your final {$0.00} balance notice - thanks for using Kia Finance '' ... but nope. They say the still haven't received payment. I went to the website and immediately made the payment - something I offered to do before. I thought that was the end of that ... until I get a notice from XXXX XXXX saying Kia says I was 30 days late paying their bill. 

I called Kia Finance who informed me I must write a letter to their credit department to dispute the claim. I did, explaining I followed their direction verbatim at every instance. 

Just got a letter back from the Kia Finance credit department saying basically " nope - not changing a thing ''. 

This is just wrong. Both times I wanted to pay ( at turn in and on the phone when they called ) and was told to wait. The are unhelpful, and seem to relish in deceitful practices.
Consumer complaint received 2021-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a certified letter to XXXXtrans union and XXXX to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXX XXXX XXXXXXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are XXXX of the companies that ran my information without my permission
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DC)

My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. XXXX honored the fraud claims, but Zelle ( which I have never personally used ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. I reached out to Zelle more than 6 times and each time they said they were investigating. The XXXX was XXXX, XXXX XXXX XXXX XXXX ) XXXX and the case number was XXXX
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 my account was missing a transaction in the amount of { 15,000.00 }. That same day i called Bank of America and 911 to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. I went back to Bank of America to appeal the claim. But that appeal was also denied repeatedly although i have been evidently identity thieved.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

After reviewing my credit report on Equifax, i noticed there is an inquiry from XXXX XXXX XXXX XXXX which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX  / XXXX XXXX Date : XXXX, XXXX, 2019
Consumer complaint received 2020-04-07
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. (PA)

I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent in a letter disputing some items on my credit report, I have not heard anything back and I am beginning to think they are deliberately ignoring me, I have took it upon myself to submit this complaint with the CFPB because I would like some help resolving this matter, it is also to my understanding that they have 30 Days to respond with their investigation results, if the items are inaccurate or unverifiable they must be deleted at once, I have also took it upon myself to read the CFPB information on this website that it is my right to dispute anything on my credit report and I have also found the law cites According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. Thank you CFPB for helping me with this matter. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands.