davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, we purchased a house with an expensive air conditioning system. On the first hot day of the summer of XXXX, we turned on the AC to find that it did not work. It had to be replaced on XX/XX/XXXX. We signed up for a one year same as cash agreement with EnerBank USA, and I began making payments. The amount owed was {$8400.00}. I paid {$2000.00} on XX/XX/XXXX, {$430.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, and {$750.00} on XX/XX/XXXX. I have now paid the entire amount, but EnerBank does not acknowledge that I have made all of the payments. 
I have had long phone conversations with 3 different employees on 3 different dates, and each of them has given me different information about payments that were not received. One of them even sent me an invoice that indicated that EnerBank owed me money ; some of my payments had been doubled. 
From the beginning there were problems with making payments. Twice I was able to make payments online. Other times when I tried, I could not. I asked for payment coupons and occasionally received one, but some of my payments were made without coupons because I did not have them. The amount that I owed was never accurate on the statements that I received. One statement indicated that I owed interest when the agreement was that there would be no interest owed if all of the debt was paid within 1 year. Statements received indicated that my first payment of {$170.00} is due XXXX, XXXX, more than 3 months after the year end due date. 
I have sent verification of a payment that one EnerBank employee said they did not receive. My verification was not acknowledged. On XX/XX/XXXX, with my final check payment, I sent EnerBank a letter detailing each payment that I have made, whether it was online or by check, the amount of the payment and the check number. When I phoned today to double check my final payment of the loan, I was told that they did not receive that verification and that I still owe {$1500.00}. I asked to speak with someone in management and was told that management only takes emails ; I was told that someone from Customer Service Management would call me back but there is no direct number so I can not call them.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, 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. (TN)

List below are unauthorizedcredit pulls using my personal information XXXX CARD - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX 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 2023-05-19
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)

Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all 3 bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police report!
Consumer complaint received 2023-05-20
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: HEARTLAND PAYMENT SYSTEMS INC (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXXXX/XX/ Balance : {$450.00} XXXX XXXXXXXX XXXX Date of inquiry:XXXX TSYS Date of inquiry:XXXX XXXX Date of XXXX
Consumer complaint received 2023-05-22
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

Several times I deposit funds, both checks and cash, the the ATM at the PNC bank. On several occasions the machine would malfunction but give the cash and/or checks back. 

Then on one occasion two months ago I tried to deposit cash and checks at the ATM. The ATM errored out, a message said to contact the branch the next business day and the ATM kept all the checks with no deposit record. 

When I contacted the branch I was told that ATM 's are serviced by an independent company and that company had to retrieve the checks. After two days I was told that the checks could not be recovered and that I had to contact ALL the check owners and have them reissue checks. This is unacceptable. 

Never was I told or is there in any written warning from the Bank that checks OR cash deposited at the ATM could be lost or destroyed. I called PNC corporate and was told the same thing that the ATMs are serviced by an independent company. 

This is an unacceptable practice. Had I deposited cash where the ATM did not give me credit for the cash then I have no way of proving how much the ATM kept. Also, the branch said that the " servicing company '' would know because the cash balance would be out of balance ... ..this is assuming that the " serving company '' can be trusted. 

My complaint is that PNC should send out disclaimers specifically addressing the issue of using ATMs to deposit cash or checks and that the cash or checks could possibly be not credited to the account and therefore lost. 

I believe that the BANK should be servicing their own ATMs and NOT some other company. Also, telling me that I had to get the writers of the checks to reissue those checks is unacceptable. Where did those checks go? Why was the " servicing company '' unable to recover them? 

This is unacceptable on many levels. I have since stopped using the ATM and am actively looking for a new bank to do our banking business.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I received an emailed about my information being the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 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 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 : XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX {$660.00} Collection
Consumer complaint received 2023-05-19
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. (NJ)

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Consumer complaint received 2023-05-20
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. (IN)

Vehicle loan thru XXXX is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX XXXX  waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.
Consumer complaint received 2023-05-19
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. (NJ)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2023-05-29
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)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I've had a Capital One account for over 10 years without ever having a late payment. 
The account was on autopay, there was an error on the autopayment. They were supposed to re-run it and customer service told me they did not. 
I received no notification that the payment was unsuccessful until I was reported 30 days late. 
I have no late payments on my credit files whatsoever. I am currently in the middle of purchasing a home and this dropped my credit score b
y 77 points making me unable to secure the loan. I will lose my new house because of it. 

I called Customer Service and was unable to obtain any answers, fixes etc and I need this error and credit report fixed immediately or I will lose the home.
Consumer complaint received 2023-05-29
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: WELLS FARGO & COMPANY (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXXXXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (VA)

I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with Credit Plus Inc., which reviewed the documentation provided to me by the Creditor.
Consumer complaint received 2023-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-02
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (SC)

I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed. 

I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount. 

I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Ive been trying to dispute these accounts in several times in my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXXXXXX Balance : {$8600.00}, XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-11-02
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. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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