davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

I received an unknowingly fraudulent text message from PNC bank stating I was attempting to make a purchase for {$900.00} at XXXX with the last four digits of my debit card and if valid reply YES if fraud reply NO. I replied NO and immediately received a call from PNC fraud prevention phone #. The man on the line stated he was from PNC fraud prevention and that my debit card was attempting to be used at XXXX in FL, he said my card was compromised and that they would be cancelling my current card and sending me a new one. He also stated that I had outgoing wire transfers pending which I also stated was not me and fraudulent. He stated he needed to verify identity by sending a code by text message and me repeating the codes to him. The call became disconnected and I went to my computer to log in to my PNC online banking to see if anything posted. It would not allow me to login stating I had incorrect password. I saw in my email that my password had been changed, which I had not changed it. I immediately called PNC fraud # back and they stated there was no record of call to me and that I had two wire transfers in process totaling {$1900.00}. I asked them to immediately cancel transfer because I did not authorize this. I was told then wire department had to be contacted to complete this. I waited on hold with PNC for almost two hours and then left work early and went to PNC branch in XXXX XXXX IL. I spoke with XXXX there who tried for another two hours to contact wire department. I again called the next day Friday XXXX on was on hold for 4hours 36 mins and unable to get any assistance or get call through to wire department. I again went to PNC branch and spoke with XXXX and XXXX who stated they would escalate my concern to management and I will receive a call. I have not received any correspondence back now on XXXX. My account which had {$1900.00} balance was completely drained and two payments of {$500.00} and {$210.00} that I had sent to pay a credit card were overdrafted from my account and then put on a PNC credit card along with getting charged {$50.00} dollar wire transfer fees, {$50.00} dollar overdraft fee, and {$43.00} cash advance fee. My PNC credit card that I had {$0.00} balance now has {$760.00}. Please help I have never made a wire transfer XXXX and was not even aware this was possible through online banking. I was hacked and should have zero liability fraud protection for this account.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America abruptly closed my account on XX/XX/XXXX. I have used this card since XXXX and its the oldest card on my credit report. I was not using it for the last 18 or so months until this XXXX when I took a trip to XXXX. I charged {$1000.00} on a credit limit of {$4500.00} and was not able to make a payment before the due date of XX/XX/XXXX. Because of being in XXXX, I was not able to use the online payment methods and was going to make the payment on XX/XX/XXXX when I returned. This has a major negative impact on my credit, being the oldest credit card I have.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX  XXXX {$820.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX  XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX  {$500.00} XXXX XXXX {$570.00} {$570.00} XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Consumer complaint received 2022-08-16
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Hello, so Ive been trying to contact XXXX XXXX to pay a debt that I have with a closed account with them. The credit card customer support never answers. Ive been calling for about a month now every other day and I get no answer at all. All I get is We are closed try again at a later time Im really trying to purchase my home and I havent been able to get this debt taken care of because of them not answering me.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late on XXXX 2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-01
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. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late on XXXX 2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-01
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: Bridgecrest Acceptance Corporation (MD)

i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.
Consumer complaint received 2022-08-01
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. (NV)

( 1 ) THIS IS NOT A DUPLICATE COMPLAINT.

( 2 ) THIS IS NOT A IDENTITY THEFT OR FRAUD ACCOUNT. 
( 3 ) THIS IS A CHARGE-OFF ACOUNT XXXX XXXX XXXX ACC , # XXXX Accordance with the Fair Credit Reporting ACT Experian Credit Bureau has violated. my rights 15 U.S.C. 1681 SECTION 602 A. STATES I THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 504 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

I Paid our account in full on XX/XX/2021. - {$470.00}, but a " minimum interest charge '' was applied as the payment was processing, so the bank carried that {$2.00} over to the next cycle, leaving me unaware of a balance even being due. So they then tacked a late fee onto the account, along with another {$2.00} minimum interest charge. And then reported us as 30 Days Late to the credit bureaus. 

The missed payment was during the XXXX shut down while we were dealing with related health complications. 

I've paid the balance due in full, which includes 3 months worth of late fees and 3 months worth of minimum interest charges. We are now out the money and have been left with a 30 day late mark, right in the middle a national pandemic, and while we are right in the middle of underwriting to close on our home, which is located in a completely different state.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND A ACCOUNT THAT SAY CHARGE OFF THAT IS NOT ACCURATE
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

End of XXXX XXXXBeginning of XX/XX/XXXX I saw 2 PENDing charges on my 5/3 credit card and called to report the were both fraudulent charges. 
XXXX : XXXX XXXX XX/XX/XXXX - {$5700.00} XX/XX/XXXX - {$4700.00} I was informed that nothing could be done until they POSTed. Once they POSTed I called to report the fraudulent charges. I received a letter dated XX/XX/XXXX that case XXXX was created and the Disputes/Fraud Team would investigate . I received a letter dated XX/XX/XXXX that the case was closed due to insufficient information. I called 5/3 and XXXX provided me the email address ( XXXX ) and what information to provide .. which I did. I received a letter dated XX/XX/XXXX that the information I provided was not sufficient to reopen case XXXX. I called 5/3 and XXXX XXXX member of Disputes/Fraud Team ) instructed me to respond to the email thread that the Reason Code was wrong .. it should be FRAUDULENT .. which I did. It appears that the Disputes/Fraud Department at 5/3 Bank are attempting to hold me responsible instead of performing their job of protecting their customers against fraud by going after the Merchant who committed the fraudulent charges.
Consumer complaint received 2022-01-11
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. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC (OH)

Service Finance Company , LLC has attempted to contact you regarding your account related to the HVAC project completed by XXXX XXXX XXXX-XXXX XXXX Service finance is a loan company for XXXX XXXX XXXX  XXXX XXXX When I owned a property I bought an air conditioner and a furnace from them. The house was foreclosed upon by the bank. XXXX XXXX XXXX XXXX has lien rights on the property and should have been paid when the underwriting took place for the new owner. I do not live there and it is not my debt when the bank foreclosed and resold the property. I have tried repeatedly o explain the law and the process of liens to their collections team. I have even offered to help but they insist it s my debt. I have asked for a call from management and have not received one.
Consumer complaint received 2022-01-11
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. (FL)

On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to TransUnion that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

TransUnion collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? 

XXXX 's website stats to contact TransUnion in the event a consumer suspects their bankruptcy information is erroneous. However, TransUnion 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO TRANSUNION CREDIT FILES '' ... ..So, how does TransUnion consider this information verified if XXXX is stating they do not verify such information? 

Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to TransUnion ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to TransUnion on a consumer if they are being recognized as a reporting agency?
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX, I was I was fraudulently contacted and victimized/scammed by someone representing themselves as being from the fraud department and they tricked me into providing banking details and ultimately made two ( 2 ) XXXX transfers from my checking account using XXXX, stealing my monies in the total amount of {$920.00}. 

I immediately called Capital One 360 and reported the incident and gave all the details I had and completed and returned any necessary paperwork at the time, etc. I believe two separate fraud cases were open and subsequently closed as I was told the return of my funds was pending from the other bank that the monies were sent too, and that there was nothing more that Capital One could do. To date, I have received zero dollars back. 

I am legally XXXX, live on a fixed income and have been desperately waiting for my monies to be returned to me. I have complied and filed reports with law enforcement, IC3.gov and complied with all of Capital Ones requests and provided an abundance of information that I was able to put together on this scam. Today, I have also reported a scam directly to XXXX, through their website online submission form and sent a certified letter again to Capital One.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-01
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. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.