davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (AZ)

ATTENTION : XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Application Denial under XXXX XXXX XXXX and 15 USC 1691a Application Number : XXXX Dear XXXX XXXX XXXXXXXX, I am writing to address the closure of my Small Business Checking Account on XX/XX/XXXX, and the subsequent denial of my application for a new account. I am conditionally accepting your decision, pending receipt of verification of the legal basis for this denial. I respectfully request that you provide the specific factors and supporting documentation that led to the closure and rejection, along with proof that you possess the legal authority to retract my application. 

It is important to emphasize that the Equal Credit Opportunity Act ( 15 USC 1691a ) grants me the right to access credit. Denying this access without valid and lawful reasoning could constitute a violation of federal law, potentially amounting to discriminatory practices. Moreover, withholding access to my account could be seen as securities fraud under the relevant statutes. 

Given the circumstances of your denial, which appears to be in violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act ( 15 USC 1602 ), I formally request that you reconsider and retract your decision to deny my application. 

I trust PNC Bank will act in good faith and resolve this matter promptly, in full compliance with applicable laws. I look forward to receiving your timely response and the necessary documentation supporting your decision. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved
Consumer complaint received 2023-09-20
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. (NY)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Unauthorized Information from My Consumer Report Dear Equifax, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unauthorized information that has appeared on my consumer report, which is a result of identity theft. I have taken all necessary steps, including filing a report with the Federal Trade Commission ( FTC ), to rectify this situation, and yet the issue persists. This letter serves as a formal request to block and delete the unauthorized information from my consumer report. 

To provide context, I filed an FTC report detailing the identity theft incident that led to this unauthorized information appearing on my consumer report. I want to emphasize that I did not provide written permission or instructions for any identification transactions related to this information to be reported on my consumer report. Furthermore, my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact by me. 

I have already submitted all the necessary documents, including a copy of my original CFPB complaint ( Complaint ID : XXXX ), my FTC report XXXX and proof of my identity in the form of my driver 's license and Social Security card. Despite providing these documents, it appears that Equifax has not taken adequate measures to address this issue promptly. 

The presence of this unauthorized information on my consumer report has had a significant and detrimental impact on my life, causing damage and holding me back in various ways. I have the right to a fair and accurate consumer report, and it is your responsibility as a credit reporting agency to ensure that this information is both accurate and secure. 

I am formally requesting that Equifax take immediate action to block and delete the unauthorized information from my consumer report. I expect this matter to be resolved promptly and efficiently, as it has already caused me considerable stress and inconvenience. I am also seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to enforce the correction and deletion of these items if Equifax does not take swift action. 

I kindly request that you acknowledge the receipt of this letter in writing and provide me with a timeline for the resolution of this issue. Your prompt attention to this matter is crucial, and I trust that Equifax will take the necessary steps to protect my rights as a consumer and rectify this situation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

This has been an issue for myself and for my credit file it is affected me nobody has to empty it's been still showing on my credit files and there's nothing to be done I filed an identity theft in the past I've contacted it all three credit bureaus had it removed and disputed all the inquiries on my credit and nobody has done anything to help me and it's affecting me
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.
Consumer complaint received 2023-09-21
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (AL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXXXXXX 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
Consumer complaint received 2023-09-21
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

I opened an account with Netspend All-access around XX/XX/2023. I recieved a direct deposit on my account a few months later for my income tax that came from the IRS. I immediately contacted Netspend shortly thereafter when i attempted to gain access to my account to find out that it was locked for no apparent reason. I spoken with customer service and they advised me to send documents to clear the concern on my account. I sent in the documents requested ( ID, SS Card, and utility bill ) and within 30 minutes later i recieved an email stating that my account with Netspend has been closed. I called back netspend and asked for my balance of the remaining funds on my account to be sent to me. After waiting 5 months later Netspend has failed to release the funds to me and are refusing to do so. My account number with netspend is : XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-30
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. (CA)

4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of Equifax in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with three little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the Equifax breach
Consumer complaint received 2023-09-21
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. (SC)

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 XXXX XXXX XXXX. 

Account Name : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I want to dispute an error on my credit report. The agency cavalry portfolio Service, put me in collection that reflects on my transunion 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. 
Im 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.
Consumer complaint received 2023-09-21
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)

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 2023-09-21
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: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (WI)

HI, Self Financial or XXXX Is reporting an inaccurate balance on my XXXX report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & Self reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX XXXX & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on XXXX report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would XXXX report inaccurately or Self Inc? Because XXXX says it's getting reporting from Self INC but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either XXXX OR SELF FINANCIAL IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says Self Financial didn't update & report the new balance of {$200.00} but XXXX XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!
Consumer complaint received 2023-09-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 or 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 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WV)

On three separate occasions I have tried to pay my student loans in full before interest began accruing again. About XXXX days after receiving a confirmation e-mail, the amount was not withdrawn from my bank. Upon reviewing my payment history in my student loan account, the payment was reversed with no explanation. 

I called my bank and they assured me it was not a problem on their end. I have tried to call aidvantage but I can not get anyone on the phone. 

The first amount was the remaining amount of {$10000.00}. It is listed on the student loan account history as payed AND reversed on XX/XX/2023. 

I attempted the payment of {$10000.00} again and the same issue occurred. It is listed on the student loan account history as payed and reversed on XX/XX/2023. 

I thought perhaps attempting to pay over {$10000.00} was a red flag so I attempted a payment of {$5000.00} and it is listed as payed and reversed on XX/XX/2023. 

I do not know how to get them to answer the phone to see why I can not make a payment and I am concerned it is a tactic to collect interest.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Consumer complaint received 2023-09-05
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. (FL)

If, any reinvestigation under paragraph ( XXXX ) of any information distributed 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... 
( XXXX ) 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 investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX