davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
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. (MD)

After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.
Consumer complaint received 2024-08-13
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: HW Holding, Inc (TX)

I am writing to express my frustration and dissatisfaction with the handling of my account # XXXX. It has been over XXXX months since I moved out, and I recently received a notice claiming I owe a debt of {$960.00}. This unexpected notice has been stressful and inconvenient. 

I have repeatedly requested receipts for each line item listed in the debt notice. To date, I have not received the requested documentation, which I find unacceptable. Furthermore, I was informed in your correspondence dated XX/XX/year>, that collection activity and credit reporting were suspended during the investigation. Despite this assurance, the debt has been reported on my credit history. 

The contradictory communication and lack of transparency in providing the necessary documentation have caused significant distress. I urge you to immediately remove this debt from my credit report and provide the detailed receipts for each charge as initially requested.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (LA)

On XX/XX/2022, I wired through Western Union {$5000.00} to XXXX XXXXXXXX XXXX. This Money was to pay on my mortgage. As of todays date, my mortgage company nor XXXX XXXXXXXX XXXX have received the {$5000.00}. Each time I call western Union they tell me that they will contact XXXX XXXX. When I call back they say that XXXX XXXX is not responding to their request and they have to get XXXX XXXX XXXX response in order to issue me a refund. When I call XXXX XXXX XXXX, they tell me that they dont recognize the Western Union Tracking Number ( XXXX ) nor the Western Union confirmation number ( XXXX ) that was given to me. After three months of going back and forth, I would like your help in resolving who has my {$5000.00} and request a refund. Thanks so much.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-29
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. (MO)

I formally request for the removal of unknown inquiry from my credit report, which areisinaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the item listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent item are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the unknown inquiry associated with the mentioned item, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the unknown inquiry immediately : XXXX XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OH)

Dear Dir/Madam, In XX/XX/year>, PNC bank decided to end the relationship with us. They closed multiple personal accounts and 10 business accounts. In XX/XX/year> they closed the accounts, they mailed us some checks, however the amount we received didn't match with what they owe us. 

Moreover, PNC was also the merchants services in all our business. after they closed the bank account, the merchants was still active for less than a week. since the bank accounts were closed we didn't get the merchants payment for the last week. 

We tried to contact them, and since then no clear answer.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I had reviewed my credit report and noticed that I had several XXXX posting to my credit report. I contacted the XXXX XXXX XXXX about this situation and they performed an investigation and notified me that the reported XXXX XXXX are not mine.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

In 2020 I reached out to Navy Federal in regards to refinancing this account due to the fact that I had lost my job during the Covid-19 Pandemic. Since then, I have paid that refinanced loan on time and in full. My concern is, there still is showing late payments on this account despite me completing the terms of the agreement and being eligible under CARES Act.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during theCovid-19 crisis. Not only should all late payments showing on this account be removed, but they should be updated to paid on time due to me completing the terms of the refinance. Navy Federal has failed to update this on their end and it is causing harm to my credit reputation. Please update all late payment to paid on time status.

Since they have continued to furnish inaccurate information to the credit reporting agency despite knowing the information was dispute and incorrect.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (FL)

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 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I am writing to express my extreme dissatisfaction and frustration regarding the recent repossession of my vehicle by Union PennFed without any prior notification. This incident has left me perplexed and deeply concerned about the lack of communication and transparency in your organization 's processes. 

On XX/XX/XXXX, Union PennFed representatives arrived at my residence and repossessed my vehicle without any prior warning or notification. To add to the confusion, I was informed that there is an outstanding payment issue, specifically related to a payment that Union PennFed claims they never received. However, I have evidence that the payment in question was deducted from my account on XX/XX/XXXX. 

I have taken the initiative to request an audit of my account on two separate occasions, but unfortunately, I have not received any response or acknowledgment from Union PennFed. The lack of communication and failure to address my concerns is not only unprofessional but also extremely distressing for me as a customer. 

I would like to highlight that the payment in question was indeed withdrawn from my account on XX/XX/XXXX, and I can provide documentation to support this claim. It is baffling that Union PennFed insists on not having received the payment while my bank records clearly indicate otherwise. 

I am requesting a thorough investigation into this matter, including a detailed audit of my account to identify the discrepancy and locate the missing payment. Additionally, I urge Union PennFed to improve its communication channels and respond promptly to customer inquiries and requests. The repossession of my vehicle without proper investigation and resolution of the payment issue is both unjust and unacceptable. 

I expect a swift and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and explore legal avenues to protect my rights as a consumer. 

I appreciate your prompt attention to this serious matter and look forward to a timely resolution.
Consumer complaint received 2024-07-29
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I'm a senior citizen on a fixed income and I was a victim of a " scam ''. It's disturbing that my bank of XXXX plus yrs did not support me at all. They allowed the scammers to take my money despite the fact that they're probably insured for fraudulent activity It happened XXXX months ago on XX/XX/year>. 
I was looking for a loan and these presented themselves as being from XXXX XXXX XXXX. In hindsight, I know they were imposters but I fell victim to their crimes. They sent an initial payment via XXXX for {$180.00} which I was to return as a show of good faith and to boost my credit score, making me eligible for the loan. I did and immediately they put a stop payment on the {$180.00} they initially sent. I'm ripped off! I've disputed this with my bank twice. They claim they saw no error in the transaction. I never said it was an error! I explained to them what happened and said it was a Scam!! I think since banks are insured that they should cover my loss. 
I filed a complaint with the XXXX but heard nothing. I also reported this fraud to XXXX. These are the alleged names and numbers of these scammers I was dealing with. XXXX XXXX XXXX ... XXXX XXXXXXXX $ XXXX phone XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX Any assistance you can offer would be greatly appreciated. 
Thank you XXXX XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 Balance {$8400.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NJ)

The creditor agreed to change information and this account is involved in litigation. 
I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( mo ) 281 SW 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists pursuant to 28 USC 8, L owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1682-B2 company has no permission to report my information per 15 USC 16814
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (PA)

I sent a certified letter to all XXXX bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. XXXX failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. XXXX, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX ( formerly known as XXXX ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX -- XXXX XXXX Account # : XXXX -- XXXX  Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2024-07-03
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. (IL)

These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (IL)

Tailor brands has misleading business practices and makes the consumer unaware of what and how much they are paying. My debit card was charged more than I was able to purchase do to the purchase price not being clear. This is clear fraud. I canceled within minutes on their website to to deactivate the account and cancel the purchase. I called but no one was available I sent an email and was told I can not be refunded. I contacted my bank and they were not able to help because they still it was pending. Now I have over XXXX dollar charge on my checking. I would like a full refund.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (TX)

On XXXX/XXXX/2023, I received a call from a Wells Fargo that turned out to be an impersonator. During the call, the Wells Fargo impersonator obtained my log-in credentials and used those to 1 ) attempt a wire transfer and 2 ) take cash advances/make charges totaling {$7300.00} on two credit cards associated with my small business account. During the call I noticed strange comments, so I hung up, and called Wells Fargo to report the incident. Wells Fargo immediately stopped the wire transfer and issued a {$2500.00} credit to the small business credit cards ; however, I dispute the full amount of {$7300.00}. Wells Fargo denied my claim on XXXX/XXXX/2023, and since that time, I have repeatedly and consistently requested help through the XXXX Assistance XXXX for XXXX XXXX XXXX. My request is that the XXXX investigator re-open and review the full case, and the facts will clearly show that all charges on the cards since XX/XX/2023 are related to the same fraud incident. Unfortunately, since XXXX/XXXX/2023, Wells Fargo has been unwilling and unable to respond to my requests. Each time I call the XXXX Assistance XXXX and present my case number, I reach a new customer service representative who is unable to contact the XXXX investigator directly. I have attempted to submit supporting documents by fax ( XX/XX/2023 ) and email ( XX/XX/2023 ). As of this writing, Wells Fargo XXXX XXXX XXXX can not confirm whether the XXXX investigator has received or reviewed these documents. During my XX/XX/2023 phone call to the XXXX Assistance XXXX, the customer service representative advised that he would create escalations claim and submit on my behalf. Since that time, I have been assigned an escalations representative in Wells Fargo XXXX XXXX XXXX XXXX XXXX. I sent ( via certified mail ) a copy of my case to my assigned escalations representative. Proof of delivery shows the package was successfully received by Wells Fargo. As of this writing, the issue remains open and unresolved. I am submitting this complaint to CFPB because Wells Fargo 's failure to act timely is impairing my credit.