davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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. (WI)

For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you
Consumer complaint received 2020-05-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}, {$10000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2022-07-28
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: Transfinancial Companies, Inc (LA)

A certified letter was sent to Transfinancial Companies on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Transfinancial Companies has ignored the complaint, failed to adhere to the requested information per the law & failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (OR)

Received my EIP payment ( disappointed it was a debit card and not a check, since my mortgage company doesn't take debit cards! ). The car management site, operated by Money Network has a web page located at XXXX XXXX XXXX that directs users to " no surcharge '' ATMs in the area. Since I didn't receive a check, I now have to withdraw money from the card, deposit it into my checking account, then write a check for my mortgage payment -- a LOT of hassle, and certainly absurd that I should incur fees all because the IRS decided to send a debit card to me instead of the checks they sent to millions of other recipients ( it's also absurd that, instead of the one-time cost of writing a check, the IRS has decided to hire and pay a shady money-lender company to administer these cards that we didn't really want in the first place ). Onto the current issue -- I entered my ZIP code into the Money Network ATM locator site and it identified the XXXX ATM located in my local XXXX grocery store. I went to the store and inserted the EIP card, entered my PIN, and on the final page before committing to the transaction, it indicated I would be paying a {$3.00} FEE ... this is not consistent with the website pointing me to a " no surcharge '' ATM. Chaining me to this ridiculous debit card scheme is insulting enough, but them making me pay a payday lender-style company a fee just to access the EIP dollars that were sent to ME is insane.
Consumer complaint received 2022-07-28
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. (CT)

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 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
Consumer complaint received 2022-07-28
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

I was affected by a national disaster that resulted in me losing my apartment with XXXX XXXX. An XXXX came and cause damage. I had a deposit and insurance that was covered by XXXX XXXX 

I experience homelessness after this and was forced to relocate to another city. I've attempted to dispute and validate the debt, but I dont get a response. 

Per FCRA I have every right to this information
Consumer complaint received 2022-07-28
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. (TX)

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX CO XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; U S DEPT OF EDXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXBalance : {$840.00} ; US DEPARTMENT OF EDU XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUSADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for a purchase loan on XX/XX/19. It took days to get assigned a loan officer, who has been very unresponsive. It took 10bdays to get the preapproval for my loan, come to find out on XX/XX/19 they will not accept dividend income, which lowers my income by {$1000.00} per month. She indicated that if I could not prove dividend income for the past 2 years that we would not be able to move forward with the loan. She did not even provide other options or solutions based on the fact that I meet the federal housing authorities guidelines. 

My income per month is {$6400.00} Which I have already provided all of the verification documents for. My monthly expenses are XXXX XXXX student loans {$810.00} Dept of Ed student loans {$280.00} Auto loans {$300.00} &  {$220.00} Credit card payment ( penfed ) {$280.00} TOTAL = {$1800.00} DTI = 29 % I have significant reserves {$60000.00} that can be used if nessessary to gets my DTI in-line to what they would prefer but anticipate it to be under 25 % on the front end and under 50 % on the back end. As it is currently structured my front end DTI would be 17 % and my back end DTI would be 46 %
Consumer complaint received 2019-04-09
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)

I contacted XXXX, Transunion and XXXX credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Consumer complaint received 2022-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of identity theft and this fraudulent capitol one account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with capitol one. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

Response to Complaint XXXX In our phone conversation, XXXX XXXX of Wells Fargo lied that she did not receive my voicemails, she knows XXXX well I called and left voicemails for over a week trying to reach her, she only called after upon me filing rejection notice here with CFPB. She advises me to contact XXXX and when I do, XXXX tells me Wells Fargo owes me a XXXX Character Payment ID that starts with " XXXX ''. Moreover, the Wells Fargo App and Wells Fargo website states the person who scammed me is unregistered with XXXX ( see attached ) the request to return my funds to this same person does not go through! ( see attached ) To make matters worse, I requested to speak to a Wells Fargo supervisor in the claims department regarding this matter on XX/XX/2021 and the phone rep was promised a callback. I *never* received a callback, where is the callback? this is outrageous negligence and how dare you upload my checking statement to the public without blacking out my highly personal transactions and personal routine and without my consent.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote letter to Tran Union LLC requesting Validation of the items and not verification if the items could not be Validated that items be deleted in accordance with the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 { b } that your claim is disputed and validation is requested. To date Trans Union LLC 3 responses has only been that the accounts have been Verified as Accurate and updated and not deleted, which is in clear violation of the Fair Debt Collection Practice Act.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
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)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I received an email on XX/XX/XXXX that I thought was from my title company, XXXX XXXX XXXX XXXX, requesting the closing funds two days before closing on my house. The scammers had attached my exact Closing Disclosure and included the signature of my escrow processor. I believe they acquired those by hacking the title company. I had been expecting communication with the title company to send closing funds, so I took their information and sent them the funds via wire transfer from my Chase Bank checking account to the recipient account, held by a person named XXXX XXXX with XXXX  XXXX XXXX, on XX/XX/XXXX. I realized the email was fraudulent roughly one hour after initiating the transfer. I immediately notified my bank to try and stop the transfer, but it was too late. I initiated a recall at that time ( XX/XX/XXXX ). I also filed a police report with the city of XXXX, MI on XX/XX/XXXX, and filed a complaint with the FBI on XX/XX/XXXX. Chase Bank notified me on XX/XX/XXXX that they will not be taking any further steps to try and retrieve the money.
Consumer complaint received 2020-05-24
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. (AR)

XXXX, Experian and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies.

1 XXXX XXXX XXXX   2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (NY)

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 2023-02-16
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. (TX)

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It is more than 45 days since but I did not receive any response or results. I want action and I know they did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (FL)

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 : MN CHILD SUP Account number : XXXX has violated my rights. Or 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.