davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these 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 XXXX, and I'm including it again. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2023, I visited Hunting Bank in XXXX MI to close my checking account due to fraudulent activity. I am a XXXX person & my only source of income is social security. These funds are directly deposited into my account on the XXXX of every month. Because of this, I was concerned that the deposit would reject, so I was advised to keep the old account open for deposits only & close the account once the funds hit the account. I opened a new account that very day, provided my license, my college ID, my medical card & a debit card from another institution to confirm my identity. 

Most of my bills are setup with online banking & auto pay. My auto loan is scheduled for auto pay on the XXXX of every month. On XX/XX/2023, my social security hit the old account & I went to transfer those funds to the new account & close the old account. I made an online payment to the merchant to withdraw on XX/XX/XXXX from the new checking account. The merchant contacted me stating that the payment rejected due to a hold on the account. The new account had a balance of {$1200.00} on XX/XX/XXXX & the amount I attempted to pay was {$140.00}. The merchant attempted to repeat the withdraw on XX/XX/XXXX & it was again rejected. It was then & only then that I was informed additional ID was needed to verify my identity, which was now causing a hold on the new account as well. I withdrew the funds from the new account to pay merchants via money order. 

Huntington Bank is refusing to take responsibility for this mishap claiming they were unaware of the hold on the new account. My account with the merchant became past due & late fees & interest was accrued. When I contacted the financial institution for an explanation, I was informed that my identity had not been confirmed. When I questioned how could the new account be opened for over a week without the proper documentation being submitted. No one in the branch can tell me.
Consumer complaint received 2023-05-08
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. (VA)

I implore you to take action and remove these fraudulent accounts from my credit report. I have never authorized anyone to use my account and it is completely untrue. Please eliminate these deceitful accounts from my credit report.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I own a house located within PNC 's footprint and I had a mortgage on that house with XXXX XXXX  for two years. On XX/XX/2023, the mortgage was sold to PNC. 

MY WIFE AND I started the process of setting up an online account so we are able to automate our monthly payments so they are always paid ON TIME. After entering our user id and password, we WERE prompted to review the terms and conditions ( a legal document ) AND TO check the box IF WE accept these TERMS.

When I downloaded the legal document to review, I discovered it IS AN ASTOUNDING 59 pages. Not only is this onerous on a consumer to have to read, there is no opportunity to request any changes to the document - - so if we check the box, we are bound to the terms and conditions whether we agree with them or not.

On top of the document being 59 pages, the website limits the amount of time you have to review the document prior to accepting the terms. I am not able to complete reading a legal document of 59 pages within the time frame provided and feel like it doesn't matter, I have to accept the terms or I can't use the online services.

I feel PNC is taking advantage of consumers since they know MOST PEOPLE CAN NOT PRINT OUT 59 PAGES AT HOME AND/OR no one will read the document in full, will get frustrated and so as not to have to keep coming back to register for the service, they will just click the button and be done with it.

I am sending this prior to reading the full 59 pages so I can't say if there would be terms and conditions I would find unacceptable.

I BELIEVE THIS IS YET ANOTHER EXAMPLE OF HOW BANKS AND OTHER BIG COMPANIES ARE TRYING TO COVER THEMSELVES BY SAYING " I TOLD YOU SO, WE DISCLOSED IT '' - IS THAT REALLY WHAT THE PUBLIC NEEDS - SHORTER, MORE CLEAN AND DIRECT PLAIN LANGUAGE ABOUT TERMS AND CONDITIONS WOULD PROTECT CONSUMERS - THIS IS ONLY PROTECTING THE BANK HELP- I DO NOT WANT TO CONSENT TO SOMETHING THAT COULD REALLY HURT ME
Consumer complaint received 2022-06-08
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Y XXXX-Please verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : XXXX XXXX  XXXX JXXXX XXXX XXXXXXXX
Consumer complaint received 2020-10-09
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. (NV)

On XX/XX/XXXX, I accessed my Equifax credit report. In the section for Inquiries '' there is an inquiry placed by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, XXXX XXXX XXXX XXXX has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of XXXX XXXX XXXX XXXX. I cancelled my XXXX membership approximately two years ago and closed all of my accounts. 

XXXX XXXX XXXX XXXX had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.
Consumer complaint received 2022-06-08
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: JPMORGAN CHASE & CO. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-08
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I have a joined checking and savings account with my husband at Citibank. We have had that account since XXXX. We receive our salaries and manage all our finances from that account. Recently, we moved from XXXX  to XXXX, we updated our address with Citibank. But since we have moved to XXXX  we have realized that Citibank does not have any physical branch in Texas and due to that we have been finding it very difficult to make payments or withdraw money or collect cashiers check. We called Citibank yesterday XX/XX/XXXX and told them that we are going to close our account and move our money to XXXX bank that has branches here in Texas. We opened a XXXX checking account and through our Citibank portal we initiated a wire transfer to our XXXX account of {$30000.00}. Because of this, Citibank has decided to retaliate against us and put a complete hold on our checking and savings account, block it where we don't have any access to our money, /salary. We are totally frustrated and stranded as of now. We are in the middle of a house remodeling project and have several contractors we need to pay, but we are not able to pay them as we promised them and this this issue is putting our life at risk because some of these contractors are now angry with us, threatening, thinking that we don ; t want to pay them inentionally. We called Citibank serveral times but they told us there is nothing they can do, that we have to wait for a week because our account is now under investigation. We are asking CFPB to use your good office to come into this case and investigate as the government bureau that regulates banks to make sure that no one vilates or is above the law/ Constituation of the United Sates, because we feel that as citizens our constitutional right has been violated/breached.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, XXXX and TranUnion credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Consumer complaint received 2022-06-08
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)

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 XXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-11-18
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. (GA)

I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.
Consumer complaint received 2022-07-11
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: LEXISNEXIS (DE)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-08
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)

Equifax has an erroneous medical collection account being reported on my credit file XXXX XXXX XXXX XXXX XXXX. I have now disputed this twice with Equifax, who somehow magically did their investigation twice now in under 48 hours. This is a clear violation of my rights and numerous credit laws.
Consumer complaint received 2022-07-11
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. (OH)

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 2022-07-11
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)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.