davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows : XXXX XXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX XXXX XXXX : {$0.00} Status : Closed Account # : XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (NJ)

I asked the company to provide a temporary forebearance for my auto loan due to a temporary financial XXXX hardship. 
The Company Representative initially said okay. Then the representative called back and said she would only grant me XXXX month and that if I needed it for longer, I would have to go through their Credit Counseling Department and give all of my creditors, the amount I owe, and their status. My response to the representative is that I made on time and early payments for over a year on my loan and that I needed a longer forebearance due to an unexpected financial hardship related to XXXX and how would credit counseling help me keep my vehicle and help with me getting a longer forebearance. The represenative again said that I would only be granted a month which I shared with her that a month is a set up for failure with my temporary situation and the representative pretty much said that is too bad with no empathy and offer to help me keep my vehicle. 

Since then, I have written several messages in the online portal asking for the maximum forebearance period ( meaning 360 days ) and when my financial hardship improves prior to the maximum days, I will gladly make monthly payments ; only to see that nothing has changed ; meaning the NFCU still has the number of payments I am behind and the interest continues to accrue daily and a message for me to get financial counseling through NFCU. While financial counseling is their option, it is not a solution to providing the assistance I need during my financial hardship to keep my vehicle and to help me during this challenging financial situation.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America locked my account and placed it in a risk closure status. Soon after on XX/XX/XXXX they opened XXXX claims without my knowledge. These claims were for checks that were written by me to a few business partners. Also at the time of the locking of my account I had a check that was pending clearance for the amount of XXXX XXXX. They check did clear and became available to me but because of the status of my account I was not able to withdraw or use those funds. And that is still the case today. On multiple occasions I have asked when will I be able to access my funds and they tell me when the account is closed I will receive a check in the mail for the remaining balance in my account. Which is not a problem but the issue is that they will not close my account due to the opened claims. I have tried over and over to access my funds in a different way and they will not work with my in any capacity.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Someone fraudulently charged {$750.00} from XXXX on our card and Citi will not take it off!!!!!!!!!!
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

Dear Consumer Finance Protection Bureau, I am writing to file a formal complaint against PNC Bank regarding the freezing of my checking account and subsequent unauthorized transactions. 

On XX/XX/year>, my checking account at PNC Bank was unexpectedly frozen when I attempted to send a wire transfer. The bank has been very unclear about the reasoning behind this action. Despite multiple attempts to seek clarification, I have received no meaningful explanation. 

My account currently holds {$180000.00}, which has been inaccessible for over a week. To make matters worse, {$73000.00} was debited from my account for an XXXX transaction without my permission. 

I have been in continuous contact with a department manager at PNC Bank ; however, she has refused to provide her last name and has not sent me any official documentation regarding the pending closure of my account. 

The lack of transparency and the unauthorized debit from my account are deeply concerning. I urgently request your assistance in resolving this matter, as it has caused significant distress and financial inconvenience. 

Please advise on the necessary steps to take in order to rectify this situation promptly. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX Feel free to add or adjust any details as necessary before submitting.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I received 5 different emails with 5 different payment amounts for my student loans. See below for dates and amounts : XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$160.00} XX/XX/XXXX : {$290.00} On XX/XX/XXXX, I called and spoke with a representative XXXX XXXX XXXX who after asking a series of questions, did not help me at all and sent me to an automated survey. I called right back, got the same representative. She did not at all apologize for disconnecting me. She did not offer me any help, nor did she offer me a clear explaination as to why this company is telling me 5 different payment amounts to pay. I need to know my monthly payment amount, due date for certain. She said the lowest payment option for me is {$290.00}, and I asked to speak with someone who can help me. 

Aidvantage has not sent any emails to me stating that they have made any errors with payment amounts provided. This is outrageously confusing as a consumer who wants to pay their bills. I would like a clear explaination in writing about why I received so many different amounts, and I am requesting a lower monthly payment until I am in a position. The representative is struggling to explain as I type this.
Consumer complaint received 2024-07-25
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-19
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 looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXXXXXX XXXX in XXXX of 2023 PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Consumer complaint received 2024-04-19
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. (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

So apparently this is a serious situation I havent have use my credit at all until 2022 when I made my XXXX for my business. As Im preparing my brand I check my credit for issues. I have two student loans I never applied for in my name. Apparently I hit the info that my mom has been using my credit when she started college and i was not aware until now. 

So I just need info on how or where the money is going to just need the source of how it all started
Consumer complaint received 2024-04-19
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told Experian, XXXX, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : DEPT OF EDUCATIONXXXX : Account # : XXXX, Open Date : XXXX, XXXX ; XXXX  XXXX XXXXXXXX : ACCOUNT # XXXX XXXX Open Date : XXXX XXXX, XXXX ; XXXX XXXX : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX : Open Date : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : Open Date : XXXX, XXXX, XXXX ; XXXX XXXX  : Open Date : XX/XX/XXXX. 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-05-08
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-19
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)

I am writing to dispute inaccuracies in my credit report that I recently reviewed. I noticed an error regarding my payment history that needs immediate attention. According to my report, there were two late payments reported on XXXX, which were in fact paid on time. 

Please review the payment history for this account, particularly for the payments listed for XX/XX/18 and XX/XX/18. I have attached a copy of my credit report highlighting these discrepancies for your reference. 

I request that you conduct a thorough investigation of this matter and provide me with the documented verification of these alleged late payments. If these instances can not be verified accurately, I kindly demand that they be corrected to reflect the payments as made on time, as they rightfully were. 

Thank you for your prompt attention to this issue. I look forward to your swift action to resolve this matter and adjust my credit report accordingly.
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-19
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. (AZ)

Experian is reporting a fraudulent account from XXXX XXXX on my credit report. On XX/XX/2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( XXXX ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

Experian did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XX/XX/2024, I sent a method of verification letter to Experian per the FCRA section 611 and demanded items to validate the debt. XXXX provided no validation and or proof that this debt is mine.
Consumer complaint received 2024-04-19
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2024-07-27
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)

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

My first issue is missing monies in small amounts and typically under {$1.00}. While there is a XXXX address to accompany said transaction, inability to trace address history or origin. 

Secondly, there are a number of XXXX transaction in which the name appears to be invalid but more so are the denoted amounts. All amounts are greyed out which to me would confirm an unavailable amount of currency for whatever reason. Both issues are discoverable via my Coinbase app.
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a Victim of Identity Theft and explained that to XXXX, XXXX and TransUnion, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Consumer complaint received 2023-12-20
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)

I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a few old addressees that need to be removed from my credit reports as I no longer live there and they were addresses from my time in college & senior year of high school. They all now belong to other residents and are no longer attached to me. 

The following addresses need to be removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please update as soon as possible XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind.