davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NY)

C/o XXXX of the Executive Office PNC Bank Subject : Request for Audit and Correction of Fees on XXXX NY Inc. Account Dear C/O XXXX of the PNC Executive , I am writing regarding significant and ongoing issues with my business checking account for XXXXXXXX XXXX XXXX specifically concerning improper charges and overdraft fees that have resulted from errors by your Excite office. These issues have directly impacted my account, and I am requesting an immediate audit and correction of the fees that have been unjustly applied. 

Over the course of recent months, my account has been charged with four separate overdraft fees of {$36.00} each, which total {$140.00}. These overdraft fees were a direct result of incorrect charges, including a recent {$52.00} error caused by human error at your Excite office. Despite my attempts to address this issue, specifically with XXXX from the Excite office, I have encountered resistance in acknowledging and correcting the continuing problem. 

In addition to these overdraft fees, there is the ongoing issue of a recurring {$52.00} monthly charge, which has been applied without proper justification. This charge has caused multiple overdrafts and has placed an unnecessary financial burden on my business. 

To resolve these matters, I am requesting the following : A detailed audit of all fees applied to the XXXXXXXX XXXX XXXX  account from the time these errors began, including the overdraft fees, banking charges, and the recurring {$52.00} charge. 
Immediate correction and refund of the four {$36.00} overdraft fees, the recent {$52.00} error, and any other fees that have been unjustly applied due to these errors. 
A review of internal procedures at the Excite office to ensure that human errors, such as those made by XXXX, do not continue to affect my account and business operations. 
Written confirmation of the corrections made and a clear plan to prevent similar issues from arising in the future. 
These errors have caused significant disruption to my business, and I trust that PNC will act promptly to rectify the situation. Please confirm receipt of this letter and provide a timeline for the requested audit and fee adjustments. 

If I do not receive a satisfactory response, I will consider further action to ensure that these errors are corrected, and my business is no longer affected by these improper charges. 

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

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I DO NO RECALL ANY OF THIS INFORMATION ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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)

In accordance with the Fair Credit Reporting Everything has to be a 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported 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 A. section 2 : It also states consumer reporting agency can not furnish an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

Since XX/XX/XXXX up until XX/XX/XXXX I made payments totaling {$5400.00} to ED Financial. Then XXXX XXXX announced that student loan debts would be cancelled and that qualifying payments made starting XX/XX/XXXX onward could be returned to the borrower. I took advantage of this opportunity and received partial repayment of {$3300.00} back in XX/XX/XXXX. However, I never received the remaining {$2000.00} but my current account balances reflects that I did. I would like my loan balance to reflect that I never received the {$2000.00} refund. I sent several emailed and made phone call attempts but the hold times are hours long. I did receive statements for the amounts I paid from XX/XX/XXXX to present which verified the discrepancy with my balance but nothing has been done to amend the situation and no one is able to help so Im turning to you. 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX You stated this was 100 % accurate. I have listed below that this isn't 100 % accurate as you stated and it has several errors.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (MI)

As with other Companies Avant have refused to give me sn affordable settlement and they never did respond to my letter which was sent over 30 days ago. I also included a picture of the letter that i had faxed to Avant. When i reported being a victim of Identity Theft their phone agents falsely accused me of stealing my own identity. HOW DARE THIS COMPANY. I've tried to work with Avant over and over and i was repeatedly given the run around. Instead of Avant doing like other Companies they never replaced my card and they never changed my address or my email address as you can see in the pictures i've included. Avant did nothing to protect my account and made false accusations as well continue to report payments as Past Due to the 3 Credit Bureaus.
Consumer complaint received 2023-10-20
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (NV)

I have been paid on a debit card issued through my employer since I started with the company. On approximately XX/XX/XXXX, I realized that I had lost my XXXX debit card ( owned by Comdata ) for her paycheck ending in XXXX and reported this to my boss. I received a new card ending in XXXX on approximately XX/XX/XXXX ( which is when the first charge to this account was made ). I was not made aware of any fraudulent activity and was under the impression that my previous card had been disconnected as it was lost. 

Towards the end of XXXX, my card had declined on a couple of purchases I attempted to make. I initially assumed that this was the timing of my paycheck as well as some charges that I thought might have been to this card related to the XXXX XXXX  of my dog. 

I brought up issues with her card with my employer in XXXX. My boss began researching what had happened with her card and provided me with a list of transactions, as well as helped me with logging in to XXXX which I was never aware I needed to do previously. On XX/XX/XXXX, I was able to log in and dispute the charges made to the card ending in XXXX. 

The total disputed from XX/XX/XXXX, through XX/XX/XXXX, XXXX, there are XXXX charges totaling {$18000.00} ; there is one credit of {$9.00} and XXXX fee charges for declined transactions amounting to {$91.00} that were caused due to unapproved activity on my account. 

I was very surprised that this was never flagged or alerted to her as potentially fraudulent activity going on, or my card declined or any other action taken as in the approx. 11 months prior ( XX/XX/XXXX, XXXX XXXX, XXXX ), there was only XXXX transactions totaling {$10000.00}, of which {$4500.00} was spent on auto repairs and gas to go to work, {$4000.00} was spent on XXXX and other XXXX XXXX bills, and {$2300.00} was spent on grocery and other misc. charges. I had never had any spending pattern of some of the luxury stores that purchases were made from, made far fewer purchases than were being made in that time frame, and more was spent in a month than I had spent in a year. 

Initially, when charges were disputed, a police report had not been filed, upon realizing the extent of the issues, I filed a police report on XX/XX/XXXX, to include the disputed transactions with the XXXX XXXX XXXX Police Department, event number XXXX From the period of XX/XX/XXXX through XX/XX/XXXX I had been in contact with a resolution specialist with Comdata. My initial disputes were declined, and they stated to provide additional proof. I provided a letter from my boss confirming that I had reported the card lost as well as the police statement. I was told these would be reviewed and I would be responded to. After the couple of months of following up with no response, I began looking for an attorney who could assist. This has not worked and eventually our legal clinic provided the information to make a complaint with the CFPB.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Since XXXX of 2023, I've notice incorrect reporting on my credit report. I reached out to XXXX XXXX, Experian for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.
Consumer complaint received 2023-09-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX BANK has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Equifax consumer report. XXXX XXXX XXXX have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

Late Payments Also the XXXX XXXX XXXX  is reporting Late Payments on this account. Late payments are illegal. 

XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer report. I need this transaction or experience deleted from my consumer report.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am requesting the following documents from XXXX XXXX XXXX XXXXValidation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved
Consumer complaint received 2023-09-17
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: Open Dealer Exchange, LLC (FL)

there are 4 inquires on my credit profile that i do not recognize, i have contacted XXXX 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my second 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  Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; UXXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.