davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

My first comment is that you did not allow me to make a selection based on FRAUD. Money was stolen from our bank accounts. If you are not the department that handles fraud please advise me asap. I will continue with this complaint in the hope that you CAN offer assistance. 
I am a resident of AZ an was visiting family in the XXXX area. My parked/locked vehicle had a window smashed and my purse was stolen from it @ noon on Sat. XX/XX/2021. I filed a police report with the City of XXXX, OK immediately, and can provide that info if needed. I called PNC Bank that same day and reported my debit card stolen and asked them to cancel it, to put an alert on my account, and send a new card to my AZ address, which they did. 
I returned home via car as I had no ID to fly back. Then @ 3 weeks later, on XX/XX/2021, XXXX rec 'd an email from PNC Bank that my checking account was at a {$0.00} balance and I immediately drove to our local branch in XXXX XXXX, AZ. The teller, XXXX XXXX, informed me that 3 checks had been cashed out of our account at 3 different branches in Alabama for a total of {$12000.00}!! Our Money Market account acted as overdraft protection, so they processed all three checks even though that much was not in our checking account!! I explained to XXXX about my identity theft and brought him a copy of the police report the following day. He had me sign 3 separate affidavit forms, stating that I had nothing to do with those withdrawals- it was blatant fraud. Since then I have left numerous messages with PNC 's Customer Service line and even on their Fraud Investigation line. I got a phone call once from ( sp? ) XXXX XXXX, asking if anyone had contacted me yet. I also spoke to and received an email from XXXX XXXX, a Case Mngr in Retail Support XXXX, ext XXXX in which she advised me it could take up to 120 days for our money to be returned, and then suggested it may only be 30 days. She indicated our {$12000.00} COULD be returned by Sun, XX/XX/2021 but I have called her back & left a message to confirm that, and have not heard back from anyone as of writing this complaint. This is an extreme hardship on us to have that money stolen and not even been given a provisional credit to help us through to pay our bills, especially at XXXX time. The way they have ( not ) handled this is totally unacceptable to us. It has been 30 days since our money was stolen and we need help to get it back!
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

In XX/XX/2019 I applied for a loan modification and was denied. I appealed in XX/XX/2019 and was denied again. XX/XX/2019 I have spoken with a financial advisor thru the Hope hotline and was advised to seek a forebearance which was never offered to me as a option. I called my mortgage servicer Sps and was told that a forebearance is the same thing as deferral and repayment which they denied me. 
I have researched and they aren't not the same.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im writing this complaint today because experian is not doing a good job at investigating these accounts. these accounts are reporting inaccurately on my credit report. I sent debt validation request with account information to XXXX about account # XXXX and the documents I was sent back does not match with what experian is reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, On the account they are reporting with XXXX account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. and the same with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the the inaccuracies reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. A fair resolution will be for Experian to delete these accounts from my credit report and cease reporting them.
Consumer complaint received 2023-11-22
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.
Consumer complaint received 2023-11-22
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.
Consumer complaint received 2020-01-02
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. (FL)

I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.
Consumer complaint received 2024-09-25
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 have identified inaccurate information on my credit report, which has been wrongfully verified by XXXX, Experian, and XXXX as accurate, despite prior disputes. The continued reporting of this incorrect information is damaging and unjustified. I have included attached documentation that clearly disproves the information being reported. 

This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623 ( b ), which mandate that credit bureaus and furnishers ensure the accuracy and integrity of the data they report.

Given this evidence, I am requesting the immediate removal of the inaccurate information from my credit report. The ongoing failure to correct these mistakes is unacceptable and must be resolved in compliance with the FCRA.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the correction and update of the payment history for an account with XXXX XXXX on my credit report. The current payment history displayed by Experian is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, the account should be listed as Paid rather than Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect Experian to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-22
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. (NY)

I have put in several complaints against XXXX and Experian. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for XXXX and Experian. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. XXXX and Experian have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against XXXX and Experian
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 ACCT # XXXX. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
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. (CT)

In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A.

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 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 2022-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

2 separate deposits made into my SAVINGS account at a Chase ATM at XXXX XXXX XXXX XXXX, XXXX, TX XXXX at XXXX on Saturday XX/XX/23. First deposit read {$1300.00} and second deposit read {$1700.00}. There was a total of {$4500.00} in crisp {$100.00} bills. I have contacted the bank and they have escalated the case. Claim number XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : Upgrade Acct Number : XXXX
Consumer complaint received 2024-09-25
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. (VA)

I would like to dispute the following items on my credit report. 

Experian : XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-25
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year
Consumer complaint received 2024-10-12
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. (MI)

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Last 4 of Social : XXXX Credit Bureau : Equifax, XXXX, XXXX RE : Re-insertion violation - no notice given to consumer To Whom It May Concern, I disputed an account reported by in the file you maintain under my Social Security number. I was informed back in XXXXXXXX XXXX XXXX that the XXXX XXXX account was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-10-12
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX I looked at my Equifax 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 generally, 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 2020-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

This is specific to US Bank in XXXX WA XXXX XXXX XXXX XXXX and directed at not providing deposit slips to customers. On XX/XX/2019 I went to this branch to deposit money from another personal account I have. There were no deposit slips so I asked did you know you were out. I was told by the banker we do not use these any more. Since we do not have access to copies of the deposits made I asked if this process was going to allow that. The manager told me know. I said I will not deposit without a deposit slip so I can confirm where the deposit came from. I document on the deposit slip where it comes from and type of deposit, which at times the back office has redacted so it does not show on the slip when viewed on line. I was allowed to use a slip by the teller as she had some left. But then later that day I received another check that I deposited at another branch in XXXX XXXX WA where deposit slips were available. When I got to the teller I mentioned I was surprised as I had just been informed the XXXX branch was no longer using deposit slips. He looked at me in amazement as he could not believe what he was hearing. Something is very wrong when a bank does not want you to use deposit slips and demonstrate what where and how the transaction was completed. My address was changed by an employee also without my or the other account holder on the account. Address was bogus.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. 
XXXX XXXX XXXX XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 
My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Consumer complaint received 2024-09-25
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. (GA)

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.