davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/2022 I noticed that the balance on my checking account had decreased by {$1600.00}. There was no obvious reason for these missing funds. I called my bank, PenFed Credit Union ( XXXX XXXX XXXX, XXXX, VA XXXX ) to inquire how it was possible that there was this discrepancy. They were not able to assist me at that time and advised me to call back on Monday, XX/XX/2022. 

I called PenFed Credit Union back on XX/XX/2022 and was immediately transferred to the XXXX XXXX XXXX ( FSO ) after talking to the customer service representative. 
The XXXX at XXXX instructed me that my missing money was on hold. The hold on my money was being done to cover a wire reversal from a wire done on XX/XX/2022. I asked how this was possible and they told me that the only remedy to lifting the hold was to contact the bank who initiated the reversal, XXXX Bank. 

I first contacted the person who sent me the wire on XX/XX/2022. He insisted he did not reverse the wire. He contacted his bank, XXXX Bank and asked them about the reversal. 
XXXX Bank ( XXXX XXXX, XXXX Corporate Security XXXX ) disclosed they were not the ones who initiated a hold on my funds. They sent me several emails confirming this fact. 
I next sent a copy of XXXX emails to XXXX. The only way to communicate with XXXX was by uploading scanned copies of the emails through their website. 

I called the next day to talk to PenFed XXXX  and confirm they had received the emails and ask when the hold would be lifted. The customer service representative I talked to refused to let me talk to anyone in the XXXX office. 
Now it is more than 9 days since the original hold was placed on my funds. I do not know why from PenFed and there is no time provided from them on when their investigation regarding the hold will be completed. 

I need my money to be release by PenFed immediately. I was supposed to use these funds to pay my rent this month. As of this date, I still dont have my money available and my account still shows that PenFed is holding {$1600.00}. Please help me by investigating these facts and implore PenFed to immediately release my money. 

I believe that PenFed has held my funds illegally. There must be a limit on how long they can hold funds pending an investigation. I am also asking for punitive damages against PenFed for their actions in this matter.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have been reporting this for months and its now time for actions. 


I have reported time and time again that I can not get my credit score and report. 

I keep getting this same error as attached- Equifax also illegally dropped my points Over 120 Points twice in XX/XX/2022, and ever since my score has been awful low even with XXXX per Ft payment history Per statutory fine I am entitled to {$1000.00}
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I am a resident of texas. I lived in apartment name The XXXX XXXX  / XXXX on XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. I lived from XX/XX/XXXX to XX/XX/XXXX. When i was moving out I made sure from apartment leasing office regarding my last rent due and paid them via money order. I also gave them my forwarding address to send any notices and my security deposit. Instead of sending me a notice of whats due and they even kept my security deposit. they send my balance due to collection agency located in Georgia without even giving me a call or giving me a notice. I also called apartment to find out what is due exactly. the manager didnt want to talk or call me back. I also reported the landlord to texas  attorney general office regarding their practice.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: GOLDMAN SACHS BANK USA (VA)

I received an alert from XXXX credit monitoring that an account with Goldman Sachs was opened using my social security number. 

Account was opened on XX/XX/22, I received the alert XX/XX/22 and emailed XXXX ( fraud email with company ) to report.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/2022, I purchased a Vanilla Gift card at a local XXXX. I put {$500.00} on the card. When I tried to use the card the next day, the transaction declined. I looked at the card account information online and found that someone had made a {$490.00} ( pending ) charge to XXXX. The card was in my possession the entire time, and I did not use the card online, and I didn't share the card information in any way. I don't understand how someone could have stolen the card information so quickly. 

I promptly alerted the gift card company by calling the phone number on their website. I followed their instructions for filing a dispute and emailed the requested information to them the same day. Over the past few weeks, I have not received a refund from the company nor any communication even though I have requested an update on this case.
Consumer complaint received 2020-09-29
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to CAPITAL ONE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I trust this message finds you well. I am writing to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses that XXXX be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. XXXX accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items 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 XXXX XXXX XXXX XXXX XXXX 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 2024-06-08
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these items was in dispute within 30 days now these items in violation XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$1200.00} XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$810.00}
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-15
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. (ID)

I have accounts on the 3 reporting company 's that I have disputed over and over and they will not remove that either are paid or asked them to remove it cause I don't have the card the account is totally paid. I have sent disputes over and over and I just got an inquiry that I didn't do and they won't do any thing
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I met with a man by the name of XXXXXXXX XXXX XXXX in regards to renting a home. I provided him with my personal information and he approved me to move into one of his units. I paid {$1800.00} out of pocket and {$200.00} was due at my time of move in. On XX/XX/XXXX I was asked to met him at the unit for a final walk through at which time he demanded that I XXXX  him the remaining money in the amount of {$400.00}. Alone and scared I complied. I was given keys yet asked him to fix items that were wrong with the home. On XX/XX/XXXX I showed back up to the only to find him living in the unit. He physically removed me from the home. I went on XXXX and saw that he created a new posting and was attempting to scam other residents. He blocked me from all forms of communication, showed up at my job and completed authorized transactions on my banking account. The XXXX  reference number is XXXX
Consumer complaint received 2020-09-29
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (OH)

A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (MI)

I recently opened a credit card with PNC. I activated the card and successfully made a couple of purchases. Shortly thereafter, the card started getting declined. I contacted PNC customer service repeatedly to get the issue resolved, but I was not successfully able to get help from their customer service. I waited on hold for over an hour and 15 minutes, finally disconnecting to board a flight. Their unwillingness to assist is both frustrating and inappropriate.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

JEFFERSON CAPITAL SYST XX/XX/2023 {$290.00} XXXX This company has not provided any information validating this debt 15 U.S.C. 1692g ( a ) ( 3 ) ( 15 USC 1692 et seq. )
Consumer complaint received 2017-05-17
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. (NV)

RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  XXXX   XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I contacted you to get my old address and names remove because I don't live there anymore and unreachable to this old address XXXX XXXX XXXX XXXX NV XXXX, i dont want anyone opening a mail to sent to this address and to prevent fraud. please only put one name and one address on my credit file thats shown on my Driver License. i attached copy of my driver license. please update.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I recently opened a Citi priority checking account for a welcome offer. To qualify the welcome bonus, I transferred XXXX dollars after account opened. 
Several days later, I received email from Citi that they're closing my account because I violated their client manual!? 

I called several times but they can't give more details- and they will return my fund after my account closed, via mail checks. 

This is really bad that I don't know what happened and my XXXX fund is locked for these times.. And still haven't got them back, feeling unsafe.
Consumer complaint received 2020-09-29
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (SC)

I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, XXXX, and Experian. Credit Companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (UT)

A couple of weeks ago, I attempted to log in to the US Bank mobile app to check my balance. I received an error message stating that my account was not available, and that there was a problem on the banks end. I tried a few more times over the next few days, even uninstalling, then reinstalling the app with no success. I tried calling the customer service number. I keyed in my entire card number, and when I entered my zip code was told that I had entered an incorrect zip code.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

XXXX XXXX I was hospitalized for a XXXX  incident. During that time XXXX XXXX mailed a letter stating my mortgage was transferred to XXXX in c/o Loan Care. Automatic payments from my bank account ( XXXX XXXX ) continued thru XXXX was contacted by Loan regarding no payment received. I check my bank account and the payments were missing. Soon after I was locked out being able to make payments because of being 3 months behind. A legal representative from Loan Care contacted me regarding a loan modification. I did contact a company to assist. However during this time I had 2-3 medical setbacks and could not respond as timely as usual. Loan Care 's Legal representative proceeded toward foreclosure. With the assist of XXXX XXXX XXXX XXXX XXXX XXXX. I successfully filed bankruptcy XX/XX/XXXX to keep my home. XX/XX/XXXX Loan Care sold my account to XXXX. My payments were up to date. Due to their system of processing, I was unable to make a payment until XX/XX/XXXX and the payment was for one month. Recently I received a letter regarding a motion to lift automatic stay because my mortgage is two months behind. It is not. Possible one month due to their delay with processing during the  XXXX transfer. This is an urgent matter because the hearing for lifting Automatic Stay is dated for XX/XX/XXXX, XXXX. I have documents to fax only.