davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XXXX {$25.00} gift card that expires XXXX Starting on XXXX/XXXX/2015 XXXX or it agent partner emptied the funds from the card. Not only did XXXX have the funds to invest when the card was purchased, they " from the consumer perspective '' stole the money off the card before the card expired. This is just wrong and consumer abuse and fraud. 

Card ActivityPrint Friendly View of Page " RP '' indicates Recurring Payments TimeDescription/MerchantStatusAmount XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00}
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

On or around XX/XX/2020 I called the PNC call center for assistance. Due to COVID-19 my flights from XXXX XXXX to XXXX were canceled. I contacted XXXX XXXX to apply for a refund since they cancelled the flights. They said they could but had to process the refund to my original form of payment. The debit card I used that is tied to my PNC Checking account wasnt active because I had closed it due to suspicious transactions. I contacted the PNC call center just to ask if they could put my old debit card on a status to  block debits but to allow credits just so I could get this refund. The person on the phone told me they couldnt but that they could dispute the transaction since I didnt receive the service from XXXX XXXX. Believing she knew the right thing, I followed her lead and she told me that I would be credited the money back shortly. Now, she did read a statement about provisional credit but made it seem like it was just something she had to read. I received a letter in the mail that said I had to sign it in order to process the credit that the PNC employee told me Id get. I signed it and sent it back. Within a few days, I received my credit. Yesterday I was stunned to see that my account was negative {$1400.00}. I couldnt figure out why until I put 2 and 2 together. I travel for work so I received no notification that this money was being reversed and had happily continued spending as such. I dont even know if the bank sent any notification as I wont be able to check my mail until the weekend. I contacted XXXX XXXX and now they are just flat out refusing to issue me a refund, my account is negative with PNC during a pandemic and on top of it, PNC is charging OD fees of {$36.00} each for transactions that had been approved and were pending before they reversed my credit. I am sure that Im the days to come I will receive even more OD fees which will put me even more in the hole and unable to pull myself out.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was stunned to see inaccurate accounts on my credit report, and I have no clue why they're there. I checked my credit report as usual, but this time there were unexpected discrepancies. I tried refreshing my browser to see if it was just a glitch, but it wasnt. The inaccuracies persisted even after refreshing. Because of this, I'm requesting a thorough review of the documents I sent so I can finally have peace of mind.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The List of inquires 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, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Information on my transunion consumer report was not properly validated. XXXX XXXX is reporting inaccurate information on my consumer report that needs to be removed.. XXXX XXXX has been disputed multiple times on my consumer report and it has not been validated properly. ive took the proper steps to send out a validation letter to the collection agency they still have not responded to the validation I sent through certified mail. They receive the validation letter through certified mail on XXXX XXXX 
They are validated 15 USC code 1692G that states validation of debt within five days after initial communication. The consumer agency is validating the consumer law that was put to protect consumer such as myself against agencies thats doing unfair acts as you see in my attached files I have proof that the company received the validation letter on XX/XX/XXXX and still has not responded to the validation letter, that should be removed off my consumer report or I will take legal actions
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AR)

i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

My XXXX, XXXX and Equifax credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, and Transunion continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.
Consumer complaint received 2024-08-12
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. (CA)

I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

On Friday, XX/XX/year>, I attempted to withdraw {$100.00} from my XXXX credit/debit card at a Wells Fargo Bank ATM at XXXX XXXX XXXX, XXXX, Georgia XXXX at XXXX. The cash was not dispensed, and I received a message saying that the cash had been withheld from the machine because the cash was not dispensed. I thought it might be a problem with my credit card so I attempted to withdraw {$300.00} from my checking account using my Wells Fargo debit card at XXXX. Again the cash did not dispense, and I received the same message that the money was being retained by the machine. When I checked the {$100.00} plus fees was deducted from my credit card and the {$300.00} was deducted from my checking account. I immediately called Wells Fargo ATM services and reported this and a claim was filed for the {$300.00}, but they said nothing could be done about the {$100.00}. I have yet to recover the {$100.00} and the {$300.00} has been temporarily credited to my account but not permanently.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (PA)

On XXXX XXXX 2020, I spoke with Caine & Weiner about losing my job due to Covid-19 pandemic which caused me to not make payments. However, Caine & Weiner made an agreement with me to pay the full balance of {$670.00} for deletion from my credit report by XXXX XXXX 2020. 

On XXXX XXXX 2020, an incorrect derogatory balance of {$750.00} was placed on my credit report for the second time in which the correct balance is {$670.00}.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!