davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX reports to the credits bureaus every XXXX of the month. On XX/XX/XXXX XXXX XXXXXXXX XXXX reported an incorrect balance on my account. I made a payment of {$420.00} on XX/XX/XXXX but the website was having issues. I called in to make a payment with a representative who waived the agent fee. My credit report dropped tremendously because the wrong amount was reported when I made a payment. It was reported on the wrong day. XXXX XXXX XXXX also has me reported late on XX/XX/XXXX and XX/XX/XXXX with all three credit bureaus. I Have been trying to fix this problem for over a year. I paid a protection fee faithfully every month and called in to get covered for those months since I was out of work. I called in to get set up only for the representative to not put me on the protection plan causing late payments being reported and credit score dropping. I have called in over 30 times and wrote letters and no one has reached out to me.
Consumer complaint received 2023-09-28
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. (NC)

It has come to my attention, that XXXX XXXX XXXX, NA has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2023-09-28
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. (GA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. 
Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. 

To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. 

It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. 

I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. 

My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck.
Consumer complaint received 2023-09-28
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. (NJ)

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees 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 Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-09-29
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (FL)

Racial Discrimination Complaint : XXXX XXXX XXXX. 

XXXX, Equifax. & XXXX Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX XX/XX/2019 2. Equifax XX/XX/2019 3. XXXXXXXX XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Based on the fact that I am an XXXX American, as well as the fact that I have provided these companies, Equifax, XXXX, and XXXX with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number. 

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act
Consumer complaint received 2023-09-28
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. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2023-09-29
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-29
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. (CA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

A few months ago I started using by Compass Bank account less and less because of concerns I have had over the past about how they have handled my money. This bank has been charging me over the past few months for items they have refused to pay. I deposit enough funds into this account to pay the items. Compass Bank has continued to charge me NSF fees because of them taking my account into a negative balance. I would deposit XXXX XXXX dollars which they would not make a payment with, then the bank would charge me {$38.00} bringing down my balance creating a loop of insufficient funds and fees. They keep doing this until the account is negative and I have had to pay quite a bit of money to keep the account in good standing. While I finish moving my other accounts, I would like this account to work properly and as promised. This year I have been charged {$190.00} in NSF fees due to the banks actions.
Consumer complaint received 2023-09-29
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

Following a review of my XXXX credit report, I determined that said report contained an XXXX/Citibank credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did XXXX ignore my dispute, Citibank did as well. They simply failed to respond. 

XXXX/Citibank - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (TN)

I submitted FTC complaint about being an identity theft victim. Please remove these unauthorized inquiries from my credit report. 
XXXX INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX  XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MA)

I have contacted the company several times this week by phone to request a payoff letter for my Parent Plus loan. Each time the wait time has been stated as 4-8 hours. They give the option to receive a call back, which I did. I received an automated call back, over 24 hours later that was the same generic recording, no live person. I sent an email 2 days ago, no response. I reached out on social media accounts, no response. I need a time sensitive letter and this company refuses to respond.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 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 XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions