davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (TX)

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 2024-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (TX)

PNC Financial Opened a Checking and Savings account, and Installment loan, and a credit card in my name without my consent back in XXXX, and XXXX I believe. I contacted PNC Identity Theft ( Fraud Department ) To Advise that I was a victim of identity theft. I did not apply for any checking/savings or Loans or Credit Cards with PNC At anytime. I found out that they had opened accounts in my name because when I did try to open an account with PNC A few months back it said I already had existing accounts. When I spoke to the fraud department, I gave them my address, Phone number, and email. None of which matched the information on file, because again PNC Opened these accounts with stolen information as identity theft. PNC Told me they would research my claim, and would respond when they completed their investigation. Of Course, I never received any documentation. They did not close the accounts, and basically they took my request and then it disappeared. This is a serious issue and I believe I should not be responsible for something I did not authorize or open. I am a victim of identity theft, and PNC Should take my concerns of fraud seriously. PNC Knowingly opened a checking/savings and credit card and installment loan as FRAUD. In my name without me signing any account agreements or receiving any funds. I did not receive any debit cards, I did not receive any statements. The Online banking account would have been fraudulent. I did not register with PNC, I want PNC To conduct a proper investigation as a victim of identity theft, and close all checking savings, loans and credit cards which I did not authorize. I did not receive any service or merchandise from PNC. I am XXXX XXXX, and I do not know what information they used but it does not match my information. Again, PNC Has a legal obligation to investigate the fraud, and I want this resolved.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (AL)

I changed banks and updated my automatic mortgage payments. My mortgage company is now charging both bank accounts instead of only my new bank. They refuse to cooperate and are making me jump through unnecessary hoops to fix THEIR mistake while charging me double payments, and causing downstream effects because of unexpected withdrawals from my previous account.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tate and Kirlin Assoc (NV)

Another debt collection company harassed me. It wasn't my bills and they stolen my personal information. Also they try to get my money. I never heard XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ' I never contracted and signed those company. In NEVADA doesn't have those company. I'm tired of from scam electric company and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the XXXX collector is reporting inaccurate information on my profile!! Capital One never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( XXXX ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX XXXX  Employer - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX - Incorrect Personal Employers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX A XXXX - Incorrect Names
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (TN)

I received {$4500.00} from my boyfriends daughter in law. It is a down payment on a car he is selling her. She put the money in on XXXX  XX/XX/XXXX. When I went to get the money it said I had to wait a few days to avoid a fee. I waited, however every day that I went to get the money transferred to my account it said I needed to wait. On the XXXX day, XX/XX/XXXX, I contacted support. I was charged a {$75.00} transfer fee. Their app is intentionally misleading and not clear at all. They prey upon people who may not be financial savvy.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

All information on a credit report needs to be accurate. According to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Multiple names, multiple addresses, multiple phone numbers & multiple employers listed on my credit report is inaccurate. I have one name, one address, one phone number, and one employer. This is a violation of the FCRA 15 USC 1681 ( a ) ( 1 )
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I dispute the charge-off account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request verification of this account, including a full accounting of the alleged debt.

Please provide proof that this debt is valid and was handled in compliance with the law. If you can not provide this verification, I demand the immediate removal of this charge-off from my credit report. 

Failure to comply will result in further action for reporting inaccurate information under the FCRA.
Consumer complaint received 2024-09-15
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Consumer complaint received 2024-09-14
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 rioghts and confidentiality under 15-USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate,
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

I reside in Florida. In XX/XX/XXXX my homeowners insurance was canceled. I contracted insurance through XXXX as it was during hurricane season and difficult to find affordable premiums. The information was provided to my mortgage company Chase Mortgage to arrange escrow payments. I was later informed months later that I was still not insured. I contacted both XXXX and Chase to identify and resolve the issue. There were issues of missing documentation and payment. Both parties stated they completed their steps. After Chase contacted XXXXXXXX XXXX, I confirmed with XXXXXXXX XXXX that my policy was reinstated. They confirmed correspondence with Chase and that my policy would be reinstated. I heard nothing more and my mortgage payments remained the same. No reason to think differently. I received a letter from Chase dated XX/XX/XXXX stating that I have been uninsured since XX/XX/XXXX and they are going to purchase insurance on my behalf. I now need to find affordable insurance again during peak hurricane season. Im not sure if one or both companies are at fault, but I am severely stressed knowing I am uninsured and need help getting this resolved. XXXXXXXX XXXX confirmed Chase contacted them directly in XXXX to resolve it, but payment still has not been made. I have asked for copies of their correspondence but the rep needs approval to share.
Consumer complaint received 2023-11-11
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CO)

I have sent Notice of Error to US Bank XX/XX/2023 Referencing : CFPB XXXX ( d ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, XXXX, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

No response from US Bank.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (IN)

My identity was stolen and someone rented an apartment in my name. They did so online without any photo ID or in person verification from the complex. The perpetrator created a fake job for me as employment income, which has been removed from my credit history. I have submitted the police report with the findings that this was not me and yet Equifax is still " verifying it as accurate. '' This is not on my other credit reports. I am at a loss as to what to do next. My credit history should suggest that this is untrue. If someone needs to speak to the XXXX involved in finding that I did not in fact rent this apartment that I currently have a collection item with, PLEASE contact XXXX  XXXX XXXX of XXXX police department.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NC)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-18
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-20
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. (NC)

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting Equifax, XXXX, & XXXX to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXXXXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from TransUnion asking if it was really me who sent the letter.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (CO)

In late XXXX XXXX XXXX  I delivered a notice of early lease termination ( 90 days prior to termination per the lease agreement only 60 required ) for one remaining lease payment amount. This was.to XXXX XXXX XXXX XXXX XXXX XXXX TX. I hand delivered to 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 Subsequent to that - the management company has stated that I did not do that and that I owed one more months rent. I sent a copy of the letter to them but never heard back. Now at least twice I have had collection attempts against that debt. 

Most recently this month, RentRecoverySolutions has hit my credit score again for this invalid debt of {$1300.00} ( I have had this reported three times illegally now ). They did NOT call.or.contact me, they sent no notices. I want this off my credit report and for them to stop selling this invalid debt to other collection companies and continuing to hit my credit. 

It should also be noted that besides me giving proper notice ( and then losing and/or ignoring it ) this was during COVID and during that time it was illegal to try and collect on this amount!!