davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

I nformed PNC bank that my late uncle designated me as a beneficiary for a certificate of deposit account with XXXX XXXX XXXX. The CD Account Agreement is dated XX/XX/year> and has my name on it along with my full name and social security number and has me listed as a Pay-On-Death ( POD ) beneficiary and is referenced as Single-Party Account with Pay-On-Death ( POD ). My late uncle electronic signature is at the bottom of this Account Agreement. My late uncle 's physical house address along with his email address, social security number, driver license number, birth date and his employment status is on this account agreement Owner/Signer Information section . I learned that XXXX XXXX XXXX  was acquired by PNC and the Pay-On-Death CD rolled over to PNC with a converted or tranlated CD account number that I have. 

On XXXX, I informed PNC Bank, through a phone and fax, that I was a Payable ON Death ( P.O.D. ) beneficary and that my love one had passed identifying me as a beneficiary and for PNC bank to release the Pay Out Claim for the CD to me. PNC confirmed that the converted CD money and that the CD amount from XXXX XXXX XXXX  had been deposited into the respective PNC CD account. PNC bank said that they would be back in contacted with me about the process of releasing the P.O.D. funds to me. I gave PNC a follow up call back to the PNC staff person I spoke with and left several messages but he never returned my call. When I called customer service back and inquired again about the process to obtain the CD Payout PNC told me that the CDs don't exist.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (SC)

15 U.S. Code 1692g - Validation of Debts 1. Please provide a detail list of history of payments made by me on this account.

2. Please provide my signature that I put on a contract guaranteeing that I would pay this creditor.

3. Have any insurance claims been filed on this debt.

4. I want Proof you have chain of title to collect on this debt.

still reporting all this incorrect accounts on my credit report have over XXXX credit inquiries in im XXXX XXXX XXXX XXXX that need this removed immediately
Consumer complaint received 2024-06-23
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. (FL)

in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair 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 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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 1681 s-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 causes to believe that the information is inaccurate.
Consumer complaint received 2024-06-23
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. (VA)

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX  and credit XXXX
Consumer complaint received 2024-06-23
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. (FL)

XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers of information.
3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Consumer complaint received 2024-06-23
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. (FL)

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX 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 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 XXXXXXXX In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (SC)

I contacted Transworld Systems to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to XXXX XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served America for? Really?
Consumer complaint received 2024-06-20
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. (GA)

This is my follow up regarding incorrect information on my credit report that I have unsuccessfully tried to correct through multiple attempts with the credit reporting agencies. I have attached documentation of all my attempts to resolve these issues, including correspondence with the credit bureaus and responses received. Despite providing sufficient evidence that the information is incorrect, the credit bureaus have not made the necessary corrections. I request for your assistance in resolving these matters promptly and ensuring that my credit report is accurate. With this, I am asking for your assistance to correct the late open accounts and remove the public record in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I had called XXXX XXXX to request update to an Account from " JPMCB CARD '', with Account number, to provide a Status updated that was still " open '' to reflect accurately as " closed '' since this account had closed as of " XX/XX/XXXX ''. This tradeline has been reflected as a reported credit line as a " Authorized User '' from " XX/XX/XXXX '' to " XX/XX/XXXX '' until Experience Report Number XXXX, Date Generated XX/XX/XXXX, had provided an update that the Address associated had been Deleted as was the card related account by " JPMCB Card '' stated " This item was removed from your credit report. Please review your report for the details ''. 

XXXX has been contacted on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to confirm the dispute was updated to correct the status on file however it was a result of JPMCB that had sent an updated reporting file to remove this item. My most recent contact with XXXX from XXXX confirmed this has to be resolved by the credit company not the reporting agencies. 

JPMCB was customer credit reporting XXXX was contacted on XX/XX/XXXX, XX/XX/XXXX, and XXXX. Most recently working supervisor XXXX it was confirmed that there was nothing performed from XXXX to have deleted the tradeline as there is no case record on file confirming this item to be deleted that is required by XXXX to remove an entire tradeline record for a report history. In order to delete an entire tradeline consent needs to be also given or provided in order to delete a credit reporting record. XXXX also recounted her previous XXXX colleagues supervisors, who previously assisted me over the phone, was sharing misinformation was provided that an investigation was provided across XXXX business days to correct the reporting and send an update to the XXXX reporting agencies to restore the reporting tradeline on record from XX/XX/XXXX to XXXX. XXXX went on to recommend only reporting agency can correct this reporting issue confirming that of the XXXX reporting agency only XXXX is still reflecting this tradeline on my credit report but XXXX both have been removed of its tradeline. It was provided that once the tradeline is removed XXXX can not restore this back to the credit report and only the reporting agencies can investigate further. 

Having this incorrect dispute removed of my tradeline has significantly impacted my credit score a XXXX points due to my avg account credit history has decreased by a one month across my active credit history due to this human error performed by JPMCB. With not responsibility being taken by JPMCB for sending an updated item removal without consent is the main compliant and not have any such escalation path to resolve this matter to continue reporting the credit history of the account on file.
Consumer complaint received 2024-07-21
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: EQUIFAX, INC. (TX)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATES : ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, DATES : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  DATES : ( XX/XX/XXXX ) XXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX, DATES : ( XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX  DATES : ( XX/XX/XXXX ) XXXX. XXXX, XXXX : ( XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; XXXX, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-07-21
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. (HI)

XX/XX/XXXX TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim oXXXX XXXX  The information listed below which appears on my credit report is the result of XXXX : .Reported : XXXX. XXXX, XXXX - {$620.00} Needs Attention Overview You're currently using 125 % of your account 's limit. 
Balance {$620.00} Credit limit $ 500 Monthly payment {$43.00} Opened XXXX. XXXX, XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment No Info Current Payment Status 30-59 Days Late Amount past due {$30.00} Worst Payment Status Current Account Details Account status Open Type Credit Card Responsibility Individual Remarks No Info Times 30/60/90 days late 0/0/0 Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX And all 10 Inquiries and Negative, Student Loans Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (NC)

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : 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.
Consumer complaint received 2024-07-21
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.