davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX around XXXX XXXX, I went to my local Bank of America to deposit cash my parents gave me to pay off my monthly college payment. The total amount deposited by me was {$3200.00} and the ATM only gave me {$300.00} at the time of my deposit. I immediately called my bank the next morning to open a claim. I was told by the bank that I would get the {$2900.00} added to my account temporarily and if they needed any more information they would contact me. After a month and a half of waiting, I was not given any updates nor was I ever contacted for more information. I came back from school for winter break with my mom receiving a mail saying their investigation only found {$980.00} out of the {$2900.00} that was missing from my initial deposit. My mom and I decided to go to the bank around XX/XX/XXXX to speak with them in person and to escalate the investigation. They reopened my claim and told me all I could do for now is to wait for them to finish the investigation. I called them multiple times to see if they had an update and XXXX out of the 4 times I called I would get the same response. The fourth time was when the lady helping me said she can try escalating it again. After our conversation, she told me that I would get an email within the next XXXX business days. Still, I did not receive an update given by the representatives so I called again. They helped me escalate again and finally I got an email about my claim on XX/XX/XXXX. The message I received was completely incorrect as if the fraud department was looking into the wrong time frame this whole time. It clearly stated, " We found the transaction you referenced but we can't find any record of cash or additional cash being deposited at the ATM for {$1900.00} between XX/XX/XXXX and XX/XX/XXXX. '' I called them again telling them how this investigation was approached completely incorrectly and they said they would reopen the claim and that I had to fax them a written statement of why it had to be reopened. Within a week, they sent me another email saying the same exact message about how they could not repay me because they did not find anything within XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (TX)

I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints!
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX EXPERIAN they also have records of files that are wrong.
Consumer complaint received 2021-03-08
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. (CT)

I contacted Transunion on XX/XX/2021 in regards to an account that is appearing on my report by XXXX XXXX XXXX for {$680.00}. 

I sent USPS registered letter # XXXX on XX/XX/2021 to Transunion requesting physical verification of the alleged debt in accordance with Section 609 of the FCRA. This section of the FCRA, Section 609 ( a ) ( 1 ) ( A ) states that credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

Transunion has refused to remove the alleged and fraudulent debt from my file and has further refused to provide me with the requested physical documentation from the original creditor. 

This is in non-compliance with the provisions of the FCRA that were designed to protect consumers like me. Transunion is violating my rights as a consumer. Their refusal to comply with federal law has maligned my credit report. 

Today ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX via telephone ( the company that is erroneously reporting this debt to XXXX  XXXX and the representative did not provide any signed documentation to evidence a contract between myself and this alleged debt to Transunion after my written dispute was submitted to them. 

Today ( XX/XX/XXXX ) I also contacted the creditor that sold this debt to XXXX XXXX XXXX, which was allegedly XXXX XXXX XXXX  They too have no physical documentation or signed contract to evidence any debt with me. 

I am seeking your help to hold Transunion accountable for their non-compliance with the FCRA in regards to this matter. I need this erroneous and undocumented account removed from my credit history to enable me to get mortgage financing. 

I appreciate any consumer guidance you can provide.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

The amount of the debt was deducted from my SC state taxes by the original company I owed, XXXX XXXX in late 2020. The collection agency will not take this off my credit report even though it was paid months ago. I tried to dispute it and they said it was still owed, even though I have proof of it being paid.
Consumer complaint received 2021-10-12
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (AZ)

i received a collection on my credit report from a company name source receivables mng a collection agency for XXXX XXXX XXXX XXXX XXXX to XXXX ( XXXX ) and they even statement it was fraud i also spoke with the collection agency and they stated to file a police report which i did i mail it to the collection agency and have not received any information from them someone had been using my name i also received a XXXX XXXX XXXX from Illinois I made a police report out for that also and send my information over to the gas company now i have all these inquiries on my credit report which i did not give anyone permission to used my name or my credit inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i know about this one its because my husband is a veterans and was gets a loan but they report 3 time on my report when it was suppose to be one in the state of Arizona when you married they have to run both credit i understand that but 3 time ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX no phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) credit technologies no phone number and ( XXXX ) XXXX no phone number these are the inquiry that i did not do myself and someone is using my name could you please help my phone number is XXXX my email is XXXX and i receved a collection call from a XXXX  in XXXX in XXXX XXXX  on XXXX XXXX i need these collection remove and these inquiry off my credit report
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CO)

I sent money to a friend on CashApp on accident and then requested a refund from the friend. The friend wanted to refund it back to me but CashApp said he had insufficient funds although that money I had just sent is just being put on hold. CashApp has not been able to give a legitimate answer to why he can not get those funds back to me.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Subject : Request for Purchase Agreement, 1099-C Form, and Original Contract Dear Mindland Credit Management, Thank you for your response regarding the accounts associated with my name. I appreciate your acknowledgment of my inquiries and your commitment to consumer rights. 

In order to proceed with my records and understand the transaction better, I kindly request the following : 1. A copy of the purchase agreement related to the sale of the debts referenced in your letter.

2. A 1099-C form for the charged-off account.

3. A copy of the signed original contract associated with these accounts.

These documents are essential for my records and will help clarify the details of the transfer of ownership from the original creditor to your agency. 

I look forward to your prompt response to these requests. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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.
Consumer complaint received 2021-06-09
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. (TX)

Ive disputed the two Bankruptcies with Trans union XXXX and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately
Consumer complaint received 2021-02-23
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. (AK)

The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRas. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a checking account on or around XX/XX/2022. I received a debit card shortly after from navy federal credit union. I deposited {$200.00} in my checking account using my debit card. I then extended credit to navy federal credit union and was denied credit for no reason as their reasoning did not make any sense as my credit score was a non negative factor, my ability to payback was a non negative factor nor was my history. I believe this is a result of XXXX discrimination. I was then denied access to my account and blocked from withdrawing my funds and access to my funds pursuant a Identity verification. Which this verification was unwarranted and a unnecessary encumbrance. For 3 weeks daily, I have called navy federal credit union and each time for over two hours no live man nor woman answered. I have these calls recorded and are willing to testify. I simply want my funds released back to me, I would also request that a line of credit requested is made available to me immediately. I would also ask that my account be restored. I have incurred damages and financial injury in this matter and have now given notice of this error and opportunity to cure.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (SC)

On my background report there is someone else 's name on some of the criminal charges these " charges '' with someone else 's name on them cost me a job. Thank you for your time. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-11-03
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. (IL)

I requested the late payments be removed from Trans Union profile. I do not have any late payments and they have not sent me any information verifying I do. I asked for account ( XXXX ) that was remove previously for fraud to be taken back off permanently. XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX XXXX was deleted and added back without any verification of the debt to be valid.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I transferred money to a contractor who lied to me and said he was going to flip my house. He took the money and moved from NJ to FL. I sent him a wire on XX/XX/2020 for {$17000.00} and XX/XX/2020 for {$35000.00}. He stopped responding. I contacted Bank of America and they said there is nothing they can do.
Consumer complaint received 2024-10-22
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. (UT)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the morning of XXXX XXXX, I called Bank of America 's EDD accounts department ( XXXX ) XXXX to activate the card that I received at my mailing address on XX/XX/XXXX, and I was informed by the bank representative that there was an account opened on XX/XX/XXXX, with my Social Security Number. She was unable to disclose any further information to me, but she informed me to report the Identity Theft to EDD directly and follow their guidance from that point. I visited the EDD office in downtown XXXX XXXX, CA the morning of XX/XX/XXXX and with assistance of the local staff and the EDD phone staff we were able to succeed changing the method of payment from the Bank of America XXXX card to checks issued and mailed to my current mailing address. There was no record of an Unemployment Insurance account with my Social Security Number during the time of XX/XX/XXXX, so the phone staff member directed me file a fraud report with XXXX. At XXXX XXXX  on XX/XX/XXXX, I filed a XXXX XXXX XXXX online. Also, I have reported the matter to the XXXX, per instructions on XXXX  and the FTC website. I have contacted the XXXX XXXX XXXX XXXX XXXX regarding the matter and will promptly conduct an online report, per direction of Deputy on duty that I spoke with today, XXXX XXXX   XX/XX/XXXX. I have informed my case manager with XXXX, of the information and will discuss further at my first opportunity to communicate with him. I have also informed the XXXX, as a Specialist has been assigned to assist me in Identity Theft Restoration as a result of XXXX Data Breach and direction of attorney overseeing the project for vicitms of the data breach..
Consumer complaint received 2022-06-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX - XXXX, and # 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 instruction