davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (DE)

One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX I had a XXXX for Discover in 2022. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable
Consumer complaint received 2023-10-23
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I received one text notification of the first transaction out of multiple charges, called them and they did not want to help me because of policies i was told to wait until transactions posted and to open the claim i called before the XX/XX/XXXX of this month. wells fargo continued to authorized the charges even after i put in a complaint about the charges called multiple times, i had to leave work due to anxiety from being on hold, broke with bills due as a young single mom i am pay to pay i have bills and responsibilities .after multiple calls i am still brokewith bills coming up and no money for transportation to work because they continued to authorized charges this company has tried to hack my XXXX XXXX account also but i ignored it since it declined i did not think my identity was stolen i still dont know what is goin on .Wells fargo had declined withdrawls and charges by me and has questioned me as the customer but continued to authorize chagres after a specific complaint. I had to leave work i couldnt even focous, shaking cryig frustrated because the bank i chose to protect my funds are doing nothing but holding my money and offering no help only a useless apology, i understand there are policies but they did not do their job by continuing to authorize fraudlent charges.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (NV)

I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity 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 inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of unauthorized accounts and inquiries.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (DC)

The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. 
My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. 
Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. 
PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. 
The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. 
PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? 
I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud?
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have attempted several times to get this problem resolved with TransUnion, XXXX, and XXXX concerning erroneous and inaccurate items on my consumer report to no avail. TransUnion has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. 
The following accounts continue to show up on my consumer report month after month : U S DEPT OF EDXXXX Account XXXX XXXX and XXXX  Account # XXXX. XXXX XXXXXXXX XXXX Account # XXXX and US OF ED ( Original Creditor : XXXX XXXX  ) Account # XXXX These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-24
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)

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 : XXXX Account Number:XXXX  has violated my rights. Or a 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.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

My sister XXXX XXXX XXXX is XXXX  of my mothers estate. She has been trying to get copies of all statements ( checking, savings, XXXX XXXX irs, etc ) from bb & t, now truist and they are having problems getting them. Shes requested statements for the 18 months prior to our mothers passing. Would appreciate help. 

Please provide copies to estate attorney. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ss # XXXX Thank you
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) XXXX  i very screwed up ... .Equifax Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score.

I am getting turned down for prepaid debit cards ... its ridiculous XXXX  is best or most accurate of the 3, Equifax is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a XXXX  for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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, and I'm including it again. XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-10-23
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 TO THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES. I HAVE A RIGHT TO PRIVACY. SECTION 2 ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION, AND UNDER 15 USC 1666B, A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. A creditor may not treat a payment on a credit card account or account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm.
Consumer complaint received 2023-10-23
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. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$7900.00}
Consumer complaint received 2023-10-23
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)

Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

To Whom It May Concern, After checking my consumer report, to my surprise the following company is report a late payment.

( List financial institution ) I am demanding the late payment be removed because I believe my consumer rights have been validated based on the law ( s ) listed below 15 us 1681a - Definitions ; rules of construction - Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 us 1681n, as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. 
Either the law is applicable or not! 
Send an updated copy once the item disputed has been removed XXXX! = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX = XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

I received an email from a website that I use to keep an eye on my credit. Email stated that a hard inquiry had been posted to my credit report. I knew that I had not applied for any type of credit or loan, so I looked into it. It is dated XX/XX/2023 by TD Bank USA/ Target C. I do not shop at Target, nor do I wish to have a target Credit Card, nor have I ever applied for any type of credit with this company. I can only assume this is either a scam or stolen identity.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

Nelnet currently has my student loans since acquiring them from Great Lakes. I filled out an IDR application in XXXX XXXX. The payment amount has fluctuated multiple times & I can't get a consistent answer as to why. So I filled it out again. Furthermore, when trying to contact them by phone, the last time I waited over XXXX hours. The rep stated that they did get my application in XXXX, but they received the one I recently sent & they're reviewing that. No idea what happened to the first one, she just said it was received & theyre taking a longer time processing applications. Now my account says IDR proc admin, interest still accruing & no payment estimate. It should not be this hard, unorganized & such a hassle, simply for getting an education.
Consumer complaint received 2023-10-24
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. (LA)

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 2023-10-22
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: EQUIFAX, INC. (GA)

I do not recognize these credit inquires and I have ask for them to be removed. The credit buraus did not do as I a requested. I am providing a identify theft report. I am requesting that they be removed.
Consumer complaint received 2023-10-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WV)

XXXX. XXXX XXXX XXXX. {$21000.00}. This debt belongs to my brother, whom has a similar name to mine. I have contacted the apartment rental office, the collections company, and XXXX. Rental office wouldnt give me the rental agreement because its not my account. The collections company wouldnt help because the information they received from the rental office. And XXXX wont help unless I have a letter explaining everything from the rental office and the collections company.