davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: AES/PHEAA (LA)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is removed. FEDLOAN  XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my Equifax and XXXX that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within XXXX business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of Equifax and XXXX continuing to violate federal law.
Consumer complaint received 2023-09-23
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. (PA)

I sent over my dispute for all of the impermissible information on my credit report that have been collected and resent inaccurate. There are many violations that have been placed in my first dispute and my response to the investigation. I did file a fraud report being as though I had been robbed 4 times of a huge total, but separate times from my accounts. 

My advisors suggest that I Iock my accounts with the credit unions while the investigations are being looked over. Which I locked by phone or on-line. I have been going through all my information provided in the investigation and my concern is the report was not addressed in the beginning. I was a sent an investigation report from a third party of TransUnion that reported more items than I received when I pulled my report. Multiple claims after my filing was on my report from years of inaccurate information, such as collections, addresses, phone numbers, employment history, both review and regular inquiries, etc, things not associated with me. There are accounts I've never seen before and I see multiples access to my account from the same credit department without my consent which is a violation to the FCRA, 609 stipulations, and several 15 USC Laws. These impermissible violations has made the fraud situation more stressful than I anticipated it to be. I feel extremely XXXX in more was then one with this credit union.
Consumer complaint received 2023-01-27
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-07-06
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: Experian Information Solutions Inc. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NJ)

I have multiple problems with Axos bank. The first is that a {$100.00} release from XXXXXXXX gas station was credited to my account on the morning of XX/XX/22, making my available balance {$260.00}. At XXXX pm EST on XX/XX/22 I had a debit card transaction in the amount of {$260.00} hit the account. At which point I logged back into my Axos mobile banking app to check the available balance and it was now {$4.00}. Then at XXXX pm on XX/XX/22 I transferred a {$100.00} into my Axos account giving me a balance of {$100.00}. I used my debit card for a {$24.00} charge and a {$20.00} ATM withdraw, a {$16.00} debit charge and I transferred out {$10.00} twice. Then when I woke up the next day XX/XX/22 at XXXX am XXXX, my available balance was suddenly overdrawn - {$99.00}. When I had a cs rep on the phone line they couldn't explain why. I was told to submit screen shots of my transactions thru their secure message system on their app. which I went and did immediately. But to no avail. Now today XX/XX/22 when I view my transactions it's a total and complete disgrace, XXXX of the transactions list the available balance after the transaction but XXXX of them ( randomly ) don't list my balance at all. Then some of the posted transactions go completely out of date order, like there are a bunch of transactions posted on XX/XX/22 but smack in the middle of them is a posted transaction from XX/XX/22. That's not even possible. And then if you look at each transactions available balance the math is just completely wrong. On XX/XX/22 the last transaction has an available balance of {$60.00} then on XX/XX/22 the first transaction is a debit card charge at XXXX XXXX for {$50.00} but the available balance is negative- {$100.00}. when it should be {$10.00}. These mathematical errors are on multiple transactions ( > 10 of them ). And then there is the simple fact of ; if I try and use my debit card for any thing, a POS an ATM or a transfer and there isn't enough money to cover the amount it will automatically decline the transaction, that's a fact, there is no coverage for overdraft or anything of the such on the account. So Axos is trying to say to me that the debit card transaction of {$260.00} on XX/XX/22 caused the account to be over-drafted by {$94.00}, which is impossible. Even the cs rep I spoke to on XX/XX/22 said to me " you're correct your transaction would be declined if you don't have enough funds in the account to cover it. '' And lastly, as I mentioned in the beginning on XX/XX/22 there was a release of funds from a hold by XXXX for {$100.00} and it was credited to my account in the morning. It was listed as a transaction. But now it's suddenly nowhere to be found anywhere on my account. It just totally disappeared. This is crazy, none of it makes any sense and I don't know what they're doing with my money.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I tried to access my savings account with Marcus today and I noticed I have been locked out from my account. On XX/XX/XXXX I tried to withdraw my money from there and it hasn't been transferred to my checking account yet. I don't know what is going on, I tried to call them multiple times, but they don't explain to me why my account was blocked and they are not being helpful. They said they will reach out to me in 1-2 business days, but in the meantime I don't have access to my money and I can't do anything but wait.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-09-23
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 ()

Since XXXX a hacker entered my account in Bank of America and stole my identity and cloned my debit card the hacker made various purchases through a company named XXXX with XXXX and I explained to the bank that my account got hacked and they sent me a new debit card and I didn't authorize any purchases and the bank argue that I authorized 2 transactions for on XX/XX/XXXX but I wasn't me also my phone got hacked as well. We made 1 claim with the bank, and they refused to settle the claim and refused a reconsideration. Also, we sent an email of the evidence and mailed the pictures of everything that Bank of America sent to my phone. They closed the claim and refused to pay us the amount of {$7600.00}. They haven't sent proof of the transaction that I supposedly approved. I told them that it was the hacker who authorized the transaction and not me. The bank also told us that it was 26 transactions made from XXXX and I didn't authorize any of them. I never received any notification of any fraudulent activity and I felt unhappy with how the bank escalated this matter. Also, I don't feel secure using them in the future. They didn't protect me as a customer.
Consumer complaint received 2023-09-23
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. (TX)

I disputed accounts with Experian do to identity theft, the accounts came back as verified within a matter of days. I then submitted a notarized and certified letter requesting a method of verification and asked Experian to send me all the proof that they received in order to verify that the debts belong to me. Again they did not comply and verified the debts on my credit report as accurate within days, They did not provide me the documentation i requested. This is a direct violation of my consumer rights 611 of the FRCA. Experian send these generic response 's to consumers in order to dissuade consumers from exercising their rights and this needs to stop. They do not care how their inaccurate reporting effects consumers. They receive money from data furnishers who report inaccurate information. I am attaching the method of verification letters that experian has received and not honored.
Consumer complaint received 2023-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (IL)

PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. 

XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. 

XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. 

Records indicate XXXX cashed the check on XX/XX/XXXX. 
Surprisingly, the payment was returned to PNC on XX/XX/XXXX. 
PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. 


This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-07-06
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: National Credit Adjusters, LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-13
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. (DE)

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-23
Product: Credit reporting 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)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : 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 XXXXXXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 168in ] 15USC {$1600.00} ( a ) ( 2 ) - ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Best regards,
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.