davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

PNCs Bank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) and Sanctions program is a domain within Enterprise Compliance, with the chief AML officer reporting directly to the chief risk officer ( CRO ). The enterprise policy for the program aligns with regulatory requirements and provides governance and oversight of PNC business units. The program sets forth minimum BSA/AML and sanctions standards designed to ensure that PNC is providing compliant products and services and conducting business activities in compliance with applicable laws, rules and regulatory guidance. The chief AML officer provides program updates to multiple committees throughout the year. 

Punishments for international fraud can vary depending on the type of crime and the jurisdiction : Wire fraud A federal crime in the United States, wire fraud can result in up to 20 years in prison and {$250000.00} in fines. If the crime affects a financial institution, the penalty can increase to 30 years in prison and {$1.00} million in fines. 
Anti-Money Laundering ( AML ) sanctions Violations of AML sanctions can result in serious legal consequences, including fines of up to {$20.00} XXXX and imprisonment for up to 30 years. 

Fraud is considered to be false representation, dishonesty, or deceit, and can break both civil and criminal law. 
I am a PNC Bank SCAM/FRAUD victim in the amount of {$900000.00} consisting of XXXXXXXX XXXX XXXXXXXX XXXX XXXX PNC Bank XXXX The issue at hand is I did not approve the XXXX XXXX sent from my PNC Bank checking and savings accounts ( see documentation ). To date, the FBI, Dept. of Homeland Security, Dept. of Justice, and other federal agencies including the XXXX XXXX have ignored my complaints. PNC Bank is also accusing me of the SCAM/FRAUD and XXXXXXXX XXXX XXXX 

My biggest concern is being accused of money fraud and anti-money laundering with the PNC Bank XXXX XXXX XXXX in the amount of {$900000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (WI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX and 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 - Call to Capitol One Received final payoff amount for both accounts XXXX and XXXX for account closure. 
XX/XX/2020 Both accounts were paid off using the Capitol One App. 
XX/XX/2020 received statement in mail account not closed. Called Capitol One at XXXX XXXX  and spoke with XXXX. He advised accounts had not been completely closed out but did have XXXX balance besides the membership fees and interest. He assured me that he would take care of the account closure on both accounts. He assured me that all remaining amounts on both accounts would be adjusted off as part of the account closing since it was only membership fees and interest. XXXX proceeded to close both accounts and I received a letter in the mail stating that both accounts had been closed. ( Membership fee : {$79.00} and Interest charges : {$14.00} ) XX/XX/2020 I received both statements again. Account XXXX had a XXXX  balance and all membership fees and interested had been adjusted off just as XXXX had advised in XXXX. Account XXXX still had a balance so I immediately contacted Capitol One again to try to get the account resolved to XXXX balance as XXXX advised would happen. I was advised that they would need to listen to the phone call to review what I was advised during the call and I would hear from someone in 2-3 weeks. 
XX/XX/2020 XXXX Spoke with XXXX a Sr. Account Manager that advised me that I was read assurances during the call on XX/XX/XXXX and there was no agent error. I advised XXXX of the complete conservation again and advised that XXXX advised that all amounts would be adjusted off and if they reviewed the ENTIRE call that information would be heard for both accounts. XXXX would only the assurances were read to me when I closed the account. He refused to file a dispute on the charges since the account was paid off and he refused to review the call from XX/XX/XXXX when I spoke with XXXX. 

I dispute the following charges and any future charges on account XXXX due to the fact I was assured on XX/XX/XXXX that all remaining amounts on the account would be adjusted off as part of the account closing process by Capitol One agent XXXX at XXXX. 

XX/XX/XXXX : Membership fee : {$79.00} XX/XX/XXXX : Interest charges : {$14.00} XX/XX/XXXX : Interest charges : {$12.00} XX/XX/XXXX : Past Due Fee : {$19.00} XX/XX/XXXX : Interest charges : {$1.00} XX/XX/XXXX : Past Due Fee : {$38.00} XX/XX/XXXX : Interest charges : {$1.00}
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am having problems working with my mortgage company, Rushmore. At the beginning of the pandemic, I did receive my COVID forbearance for 3 months but after that period they haven't allowed me to continue with the COVID forbearance even though I have been contacting them continuously. 

The end of the three month period was in XXXX first and even we contacted them to continue with the COVID forbearance they did not continue with the plan. I am getting set tons of paperwork stating that I am behind in my mortgage and it is impossible to any proper documentation stating that it has been extended.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-08-19
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-02-28
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. (TX)

Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balanced {$730.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2020-08-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION (OK)

1 ) On XX/XX/2020 I applied for an UMB checking and savings account with the following offers : + Get a {$300.00} checking bonus when you complete the following requirements : Set up a UMB Visa debit card and complete 15 debit card transactions Enroll in online banking and set up online bill pay and complete two online bill payments Have direct deposits totaling {$1000.00} or more into the account + Get a {$200.00} savings bonus when you complete the following requirements : Open new savings account and fund it within 60 days of opening checking account 2 ) XX/XX/2020 : My checking and savings accounts were both funded with {$100.00}, and the {$200.00} bonus was also deposited by UMB to my UMB savings account. 

3 ) On XX/XX/2020 I called UMB Bank to setup online banking. I received my UMB Bank debit card in the mail. They said both checking and savings accounts were funded with {$100.00} each and that UMB deposited the {$200.00} bonus into my savings account. The bank rep requested that I send via a secure email additional verification documents : Driver 's Lic, Social Security, Utility Bill, and current Bank Statement from a different bank. I sent the requested docs the same day. 

4 ) On XX/XX/2020 I called UMB Bank to confirm that they received the requested documents. The bank rep said my accounts were funded and open. 

5 ) On XX/XX/2020 I called UMB Bank to setup online banking. The bank rep said UMB received all the verification documents requested. Then the bank rep said both my checking and savings accounts will be closed, so online banking can not be setup. The bank rep refused to explain why my checking and savings accounts will be closed.
Consumer complaint received 2020-08-19
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. (NY)

I ordered a washing machine from XXXX XXXX during the summer of XXXX. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to XXXX XXXX. Rather than credit my account for the returned appliance, XXXX XXXX decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

Please help me!
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

The company Synchrony Bank Guitar Center- account ending XXXX closed the account without my permission. I always paid my bills on time, when using the credit card I always paid the balance every month. The Company closed my credit without my permission, resulting in hurting my credit score. I had a balance of XXXX dollars. This was not a reason to close my credit card. I always was good customer and continue being a good customer.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and I would greatly appreciate if the credit reporting agencies can be told to stop reporting inaccurate and incomplete accounts on my credit report. It is not far to me as a consumer. And it has cause me to be denied several times for loans, refinancing and credit cards. This is not a third party filing this report for I am a real person. Please look into this matter.
Consumer complaint received 2024-08-20
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. (MA)

In accordance with the fair credit report 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
Consumer complaint received 2024-08-20
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2020-08-19
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!
Consumer complaint received 2020-08-19
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. (GA)

I have sent several letters to TransUnionXXXX, and XXXX inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Consumer complaint received 2024-08-18
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX  XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I want to dispute an error on my credit report. The EXPERIAN the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. XXXX attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX  a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.