davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to PNC Bank in the beginning of the Pandemic to let them know that my consulting contract was terminated for events scheduled for over a year due to the Pandemic Lockdowns. All Convention Centers Cancelled Events. 

I have Lates Reporting Throughout XXXX, XXXX, XXXX, XXXX Also. The Company Denied me assistance during the pandemic numerous times, but they seem to have reported to the CFPB in prior Complaint that they aided me with numerous forbearances and even supplied me assistance from XXXX. Which none of this was ever given to me during my Financial Crisis in the Pandemic. I had XXXX on XXXX occassions due to my children and mandatory quarantines. I was denied assistance during those time periods as well. 

Cares act gave the Creditor the Opportunity to Modify the Loan and Provide Assistance. The Creditor didnt do that. The Creditor also failed to Remedy Fraud which was found in my loan documents ( Payment was inflated almost {$200.00} after the automobile was delivered to my home ). I have submitted all documents in credit disputes with XXXX. XXXX and XXXX providing documents and Police and FTC reports confirming XXXX and XXXX. 

In addition to that was the Late Payments Reported During the Pandemic when I notified them Early XX/XX/XXXX and Continued to call and update my status being affected by the pandemic and they CONTINUED to not provide Assistance and Mark the Lates on my credit when I had no income and was on lockdown during the pandemic and my consulting events were cancelled well over a year which the creditor was made aware of numerous times. 

PNC Bank did not follow the laws Provided by the Pandemics Cares Act During the Covid-19 Pandemic. Calls can be subpoenaed where I repeatedly reported they were not compliant with the cares act during the Pandemic.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2023-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX XXXX there was an {$300.00} being reprocessed on my account due to payments that I havent payed or even subjected to swipe my card, I also included information on why my account was being charged due to a friend stealing my information. XXXX XXXX I no longer have info for my regions account due to owning regions {$300.00}. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, email address XXXX.
Consumer complaint received 2023-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MS)

I really don't have a clue how this charge got on my credit. I have been diligently trying to straighten my life back out after several years of identity theft. My report says that on XX/XX/2023 XXXX XXXX charged me {$1000.00} for something but I was impatient receiving medical attention for XXXX in XXXX Mississippi at that time. There are no XXXX XXXX 's in XXXX Mississippi. Someone has also opened up car insurance in my name and this has taken a heavy toll on me and I'm really just trying to be a productive citizen trying to help the economy grow just like everyone else. They don't even have the date this supposedly transpired on the credit report. Asking for you guys help to resolve this situation as quickly as possible. Thank you!
Consumer complaint received 2023-08-28
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I reported my account for fraud due to XXXX XXXX  and sent over a police report as well as a written personal statement and the bank in question continues to deny my claim and my rebuttals. The state that has all the charges I was no longer even living in and I provided a written statement for that as well and the company is not budging.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

A check was written on aTD account. TDs system charged the amount to another customer, not my account. When discovered, my account was closed by their fraud department. Even though I have been inconvenienced beyond my wildest expectations, they will not admit nor assist me with resolving any of their problems. They are now going to take the money back from the payee. I have instructed them to deduct it from my new account with them. They can not do that as their system will not do that. I wrote that check in faith that it would be handled properly. It appears that TDs system will not allow that. I am at fault and quilty of fraud instead.
Consumer complaint received 2023-08-03
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Around a month ago, I came to realize that ChexSystems has been sharing incorrect information with banks, which has unfortunately led to me being denied some business opportunities. To set the record straight, my name is " XXXX XXXX. '' However, in my ChexSystems report, specifically under XXXXXXXX XXXX, it's strangely spelled as " XXXX XXXX. '' I want to XXXX that this misspelled name isn't mine, and I'm certainly not the only XXXX XXXX out there. 

What's more, they've also listed an address and phone number that I have absolutely no familiarity with, although they seem to be linked to my local community. I can assure you that I've never had any connection to these details. Discovering this bewildering information on my report has left me concerned, and it's having a negative impact on potential business opportunities. 

I'm kindly asking for their immediate removal of this inaccurate information from my ChexSystems report. It's crucial to rectify this false data, as it's led to misunderstandings and unjust denials. I've already taken steps by getting in touch with the bank and filing a complaint to have this misinformation removed.
Consumer complaint received 2023-08-03
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. (TX)

I hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.
Consumer complaint received 2023-08-03
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)

I hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted Transunion, XXXX and XXXX but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MI XXXX The following accounts are fraudulent- XXXX XXXX Acct # XXXX Date Opened - XX/XX/XXXX Balance - {$2700.00} XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX Balance - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Account # XXXX Date Opened- XX/XX/XXXX Balance - {$930.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX The following inquires were not authorized- -An inquiry from XXXX on XX/XX/XXXX -An inquiry from AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX -An inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX -An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/XXXX -An inquiry from XXXX XXXX on XX/XX/XXXX, mailing address, XXXX XXXX XXXX XXXX, XXXX XXXX ND XXXX. 
-An inquiry from XXXX XXXXXXXXXXXX XXXX dated XX/XX/XXXX XXXX mailing address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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)

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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MO)

On XX/XX/2023 I used my debit card at a gas station and it was declined due to square flagging it as fraud. They refuse to give access to my money and rejected incoming checks that were written days before square froze my account which caused more fees and problems. They refuse to tell me why my gas station charge counts as fraudulent activity.
Consumer complaint received 2023-11-19
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. (NY)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX {$250.00} XXXX XXXX  - NOT valid - Never had XXXX XXXX XXXX {$1100.00} - XXXX XXXXXXXX XXXX - NOT valid - Never had XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX- NOT valid - Never had XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX - NOT valid - Never had XXXX XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX  NOT valid - Never had XXXX XXXX XXXX XXXX - {$82000.00} NOT valid - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

I was trying to pay my XXXX bill and for some reason it kept telling me there was a problem with my card. I knew there was enough money in the bank to cover the transaction so I called the bank or so I thought what it was the bank. I looked up the customer support number on XXXX and I doubt it they answered. I told them that problem that I was having and they said they needed to verify my account. They had me download an app which I didnt understand and they suddenly had all of my information, my bank account number my my home address my phone number they knew how much money was in my bank. They knew which credit cards I had and which other banks I banked with, and they ended up having me do a bunch of stuff from The XXXX XXXX saying that they were verifying my account and then they had me hit a button when I hit that button. All of my money disappeared. I ask what happened to it and I asked her to put it back and she said give me five minutes your account. It will be back in your account in five minutes. Im simply trying to verify your account so I can fix the problem. I didnt understand it I figured she knew what she was doing so I waited well within less than five minutes. She hung up the phone when I called back a man answered. I told him what happened and he said OK I see it heres what were going to do and he hung up I called back three or four times and they would not answer the phone. They kept hanging up on me and then finally I think they blocked me because my car with no longer go through it I went back to XXXX, looked up the number again and found a completely different phone number. I called it and it was the real chime bank. I told them what happened and they said they would check with the fraud department. They came back and said the fraud department refused to give me my money back if they said that I authorized the transaction I did not And I told them that and they said that was too bad and I asked them to at the very least, give me a new account and a new account number and new cards because these people had all of that information they said once I close the account I could not get a new account and they would, but they would gladly sent me new cards will new cards would not do any good on the XXXX these people have the account number, routing number and all of my information. I needed a whole new account and they refused to give it to me so I close the account out entirely whatever money I had left in there they did not give me that back either. It was only pennies, but they still did not send it back to me and I am very disappointed because I think that they couldve at least taken the phone number that I called and investigated the whole thing and found out that I was scammed Im very disappointed very sad that Im on a fixed income and thats all the money I had to my name to pay my end of the month bills and now this is going to totally throw me off course
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (SD)

On XX/XX/XXXX I attempted to pay my bill by debit card, it failed with an error that my account doesn't accept payment from debit card, so I attempted another time, attempted a pay through direct debit, cancelled the direct debit, received an email it was cancelled, figured out my card has the wrong expiration date, that went through no problem, now I'm being charged {$30.00} for the ALREADY cancelled direct debit that even though it was cancelled they still took out, sent back to me, and charged me for it, I attempted to talk to a guy named XXXX through their customer service and he talked to me like I was stupid and did everything aside from close chat to avoid answering why I was being charged for a cancelled payment