davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

I was endeavoring to link my PNC bank account to a digital currency exchange service for investment purposes but was somehow thwarted by PNC. It is my money, and I have the right to channel it whithersoever I wish. PNC needs to authorize such linkage.
Consumer complaint received 2023-01-15
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 acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Equifax violated my rights.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-26
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: TD BANK US HOLDING COMPANY (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I applied for a business checking account at a branch location in XXXX, XXXX  on XXXX XXXX. The account was officially opened on XX/XX/XXXX. 

On XX/XX/XXXX, a deposit of {$15000.00} posted to my account. I have left the amount in the account, untouched, through the date of this complaint, XX/XX/XXXX. That is, I have not made any withdrawals on the account, nor been charged any fees that would reduce my balance. 

Per the terms of their new business checking account bonus, I should have received a {$500.00} bonus for XXXX ) opening an account on or before XX/XX/XXXX, XXXX ) depositing {$15000.00} within 30 days of account opening, XXXX ) and maintaining the balance for 60 consecutive calendar days as of the date of deposit. The bonus will then be credited to my account within 90 days from the end of the month in which the requirements were completed. 

Based on this timeframe, I met the 60-day balance maintenance requirement on or around XX/XX/XXXX and the bonus should have been credited to my account within 90 days as of XX/XX/XXXX. This would mean the bonus should have been credited no later than XX/XX/XXXX. 

I contacted the branch XXXX, XXXX, at the XXXX XXXX Citibank in XXXX, CA on XX/XX/XXXX via phone call. She confirmed I met the requirements and said the bonus will be paid within XXXX business day. On XX/XX/XXXX, I contacted customer service who said to contact the branch XXXX again. On XX/XX/XXXX, I spoke with XXXX again via a phone call, and she recalled that I qualified and said she would call me back but never did.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (SD)

I already had extensive contact with the banks involved with no resolution. I transferred {$3000.00} from Discover Bank savings account to XXXX XXXX XXXX XXXX XXXX  checking account, both accounts in MY NAME. Discover deducted the funds but XXXX XXXX never added the funds to my account. I'm OUT {$3000.00} with no resolution after giving both banks all the details MULTIPLE times and contacting the FDIC with the details as well. the FDIC referred it to you and I'm out {$3000.00} since XX/XX/22. I need an answer and a refund please. I don't care which account the $ XXXX ends up refunded to. I'm thinking neither wants to admit fault so neither wants to do the refund. Please help me!
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-01-14
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. (AR)

This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.
Consumer complaint received 2023-01-14
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. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 




Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved
Consumer complaint received 2023-01-14
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 — Problem with personal statement of dispute
Company: Avant Holding Company, Inc. (NY)

I opened a credit card with Avant Card in XX/XX/XXXX and decided to close it in XX/XX/XXXX, on XX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX Avant went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my XXXX credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

Thank You
Consumer complaint received 2023-01-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-14
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. (SC)

Information is incorrect on my credit report. I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus verify my bankruptcy as a 100 % accurate? They never did a investigation as to 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 consumer 's character, general reputation, personal characteristics, or mode of living is obtain 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States that 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 2020-04-26
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: Experian Information Solutions Inc. (MI)

Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a XXXX  XX/XX/2020. 

I asked that a Bankruptcy of 9 1/2 Years Ago & a 18 Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and  they both recommend that I dispute the errors. I asked That Experian explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at Experian. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

I started calling the card service, Citi Bank Visa, in XX/XX/2020 knowing that my promotional balance was due and carried over XXXX in interest. I over paid the monthly amount due almost every month. 
The online payment service stated that I couldnt pay towards my promotional balance. Then on XX/XX/XXXX the inevitable happened. They charged me the interest on a promotional balance they never let me pay on. I believe, although it was never disclosed, that the only way to pay the promotional balance off was to pay the entire card balance.
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I was unable to log in to my PayPal account for no reason last yearXXXX and received an email from paypal told me that some activity on my account that didn't match my usual activity. they are concerned someone may be trying to use my account without my permission. I changed my account password as they requested and they told me that Access to my PayPal account has been restoredXXXX, but when I logged in my account, I was asked to submit proof of identity. I am a XXXX living in the XXXX, and I often need to ask for help from merchants to buy some goods for my families and friends in my country, and I also need to find someone to help me with some financial transactions in my own country, this is not an unusual activity nor is it a hack of my account. PayPal has unreasonably and recklessly restricted my account, which has caused me a lot of trouble in my life and study. PayPal is a big company, and its influence in the United States and even internationally is huge, so it should be more responsible and can not be so XXXX and lack of judgment, because XXXX of their miscalculations will I hope that PayPal can restore my account so that I can conduct transactions and live normally, without my PayPal account, a lot of my daily life has been put on hold.
Consumer complaint received 2023-01-14
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. (NY)

I acquired my credit report and asked the credit bureau to check and make sure everything was complete, and accurate to 15 USC 1681 I ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. 

And I searched the company, gave my information to different collection agencies this is not accurate I am going to attach account numbers. 
There is same account but different collection agency please take it seriously I have a right for dispute duplicate account from same company this is violation this is impacting me from moving forward I attach my previous credit report in my new credit report to show how equfax violated my rights Collection Agency XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-26
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. (FL)

Date Reported : XX/XX/XXXXCollection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-01-14
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. (TN)

I have tried for months to get these items removed from my report. My rights were violated many of these accounts are not mine. I have mailed proof and all I receive is that they verified it as accurate. Please send a hard copy of the proof where my signature is shown is what I have asked for and that doesn't happen. 



After reviewing the laws for 12 u.s.c. 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the fair credit reporting act, the below accounts violated my rights. All should be deleted from my account immediately as it is harming me from purchasing my home. There also shouldn't be any late payments as I have been on time with all my accounts. 

XXXX. XXXX XXXX XXXX {$880.00} ... ... ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX