davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (CA)

This is an exact copy of the letter sent to PenFed Credit Union. This is in regards to PenFed Credit union credit card account XXXX. 

Earlier this year, there was questionable activity on another credit card. I called all my credit cards and put them on hold. When I went to pay my PenFed card the next moth, I could not access my account. I called, and was transferred to the fraud department. This very rude person that I have spoken to a half dozen times went through an identification verification process and told me they unlocked my account. They did not.

I can only call on days when I am not working, because I can not talk on the phone while I'm at work, and your customer service is closed before I go to work and after I get off work. Still, I have gone through that same process six times. I have gone through the entire identification verification process twice. I have called numerous more times than that. I have spoken to several different people in several different departments, none of who can figure out how to correct my account. I can not make payments online, I can not make payments over the phone. This has now been going on for months. 

I would like your company to figure out what is going on. I would like you to fix my online account so that I can access my account and make payments. I would like you to correct whatever is wrong with my account so that I can make payments over the phone. I would like all overdue fees to be forgiven, and I would like you to report to all three credit agencies that all delinquencies on my account are your fault and have those reports removed from my credit score. I would like my payments to resume as normal, with no late or overdue fees, because I have done my due diligence to resolve this issue and I have spent hours and hours on the phone with your company over dozens of phone calls trying to get this issue resolved. I would like you to tell me when this is resolved, because it is causing me mental duress to continue trying to resolve this week after week for months. I am a XXXXXXXX XXXX and as I have stated to your employees many times, my physical and mental health issues make this enormous amount of stress very difficult to handle.
Consumer complaint received 2024-01-24
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 rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, I am writing to bring to your attention a dispute I am currently facing with Bank of America regarding fraudulent charges on my account. I believe your intervention may be necessary to help resolve this matter. 

On XX/XX/XXXX, my Bank of America card was allegedly used to make a purchase at XXXX XXXX in XXXX, WA, amounting to {$360.00}. However, I can confirm that I was out of town on business in Iowa during this time, and my card was in my possession the entire period, securely stored in my wallet. 

Immediately after the suspicious charge, Bank of America flagged the transaction, along with several others, as potentially fraudulent. I received timely notifications via text messaging, and I promptly confirmed these charges as fraudulent. Subsequently, on XX/XX/XXXX, I contacted Bank of America 's fraud department and initiated a discussion regarding the unauthorized transactions. The bank assigned claim number XXXX to this case. 

To my dismay, the very next day, on XX/XX/XXXX, Bank of America surprisingly and without clear explanation, denied my claim, absolving themselves of any responsibility and leaving me liable for the fraudulent charges. This has resulted in an unjust financial burden and has significantly impacted my confidence in the security measures provided by the bank. 

I request your intervention to help me with this claim with Bank of America. 

Thank you, XXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (VA)

I contacted XXXX XXXX XXXX on XX/XX/XXXX via XXXX XXXX and via the XXXX major credit reporting bureaus Experian, XXXX and XXXX to inform them of the fact that I had discovered a fraudulent account being reported by XXXX XXXX ( account reference number provided : XXXX ) on my credit reports on behalf of XXXX XXXX XXXX. I provided each of the concerned parties copies of the Identity Theft Report I filed with my local police department detailing the Identity Theft I had suffered and I specifically requested that this fraudulent account be removed from my credit files immediately pursuant to 15 USC 1682c-2. I also requested verification of the debt from XXXX XXXX XXXX to include details about how the account was opened, what personal information of mine was utilized in the fraud in order to successfully open and/or maintain continued usage of the account, any identifiable information regarding any possible linked payment methods associated with the account which may help me to either identify the perpetrator and/or discover whether other fraudulent accounts may have been opened elsewhere using my personal information, transaction records, statements, billing addresses associated with the account, what methods are used ( if any ) to verify the information associated with the account, etc. XXXX XXXX XXXX ignored my requests and following the dispute process with XXXX, Experian and XXXX, erroneously concluded that the information regarding this account was verified as accurate. It is not accurate. This account is the direct result of a pattern of fraud being perpetrated by someone who managed to steal my wallet back in XX/XX/XXXX and in fact, this is the second time that XXXX XXXX has allowed this individual to open a fraudulent credit card account with XXXX XXXX XXXX using my identity. Upon further inspection of my other credit reports with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also recently discovered that there were also multiple fraudulent checking and savings accounts opened in my name with XXXX XXXX XXXX as well. I had also reported those previous identity theft incidents to police and obtained replacements for my missing XXXX XXXX XXXX XXXX XXXX XXXX issued Birth Certificate, Social Security Card, bank debit cards, credit cards and other sensitive items. Despite the fact that I fully informed XXXX XXXX of these details and facts, they continue to disregard my correspondence and report this fraudulent account to the XXXX major credit bureaus in violation of 15 USC 1682c-2 and other applicable consumer protection laws. These fraudulent credit card account entries still appear on all three of my major credit reports and the fraudulent bank accounts still appear on my XXXX and XXXX reports.
Consumer complaint received 2023-09-17
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. (CT)

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 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-18
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)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX Tried Getting an apartment. However on the Experian rental history report they are reporting an old apartment in collections. 

This is incorrect information as I was XXXX  living with my mother. It was not my apartment, however. This should never have been placed on my Experian report for rental history. 

My mother reached out to them and received documents that this was taken care of with no balance and my name was taken off the lease when I moved out when I became an XXXX. 

A Vacate and removal of my information was given and received to the apartments on XXXX which they acknowledged and accepted. 

On XXXX An email was received from the apartment manager when my mother removed me from her lease. It was confirmed.

XXXX A Collection Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Sent me a collection notice. This notice is invalid and unwarranted as This is NOT my debt. 

All documents have been uploaded for your review. 

on XXXX A Letter of apology was given by the management company regarding this apartment as all fee 's were satisfied and paid in full. This account was not supposed to have been sent to a collection company for this to have been reported on my Experian report for rental history. This was paid on XXXX. Again this apartment was not in my name as I personally did not rent this place.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo knows. I am waiting for someone to care. My credit card has been frauded each week for the past 4. The last time, In fact, I hadnt even received my new credit Card when it was frauded again. I have suggested to Wells Fargo the bandit it is within their organization. Im unhappy with their lack of customer service. In fact I spoke to a supervisor today because my latest card was not expedited to me. In the Last month I paid off my entire balance, it was at least XXXX. He was rude. I never hear any kind of apology for this constant infraction. I dont want to upset my life by changing to a new bank after 22yrs. Im an XXXX XXXX. What can be done. Put a pin on credit cards, perhaps. Help
Consumer complaint received 2024-05-15
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. (VA)

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX XXXXXXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Consumer complaint received 2024-05-15
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. (VA)

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Consumer complaint received 2024-03-01
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. (NV)

I received a copy of my credit report from Experian on XX/XX/XXXX which reports a closed account with XXXX XXXX opened on XX/XX/XXXX and status updated XX/XX/XXXX. I called the contact info included in the report and the representative was not able to find the account in the records of XXXX XXXX with my social security number attached and the account number search also yielded no results. I was then given the number to the credit bureau department and they could not find any record for this account number or my social security number. I thin called to the general customer service and got the same response. They have no record of this account in their system.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

In XX/XX/ I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.
Consumer complaint received 2023-08-04
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: PENTAGON FEDERAL CREDIT UNION (MD)

Ordered merchandise from XXXX XXXX XXXX ( Merchant ) on XX/XX/23 Order XXXX XXXX for {$200.00} & on XX/XX/23 Order XXXX XXXX for {$890.00}. Either of the 2 items were received. I reported a non delivery complaint of items was reported to Merchant & PenFed ( Credit card company ) on XX/XX/23. The Merchant denied to refund for either item reported undelivered without any explanation. PenFed did offer a permanent credit of {$200.00} for 1 of the items on XX/XX/23. On XX/XX/23 Pen Fed claims the charge of {$890.00} is valid and declined to issue a refund of the undelivered merchandise without explanation. I am requesting the refund of {$890.00} from Pen Fed for merchandise I did not receive.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NE)

Evening if XXXX, called stating I want proof they own a debt beyond a statement. Was told I could not receive that. 

I was asked if I would be okay with communication via text or phone call. I stated Absolutely not. 

XXXX received text with Welcome! You'll receive msgs from Resurgent Debt Collector. 
msgs varies by acct/pref Msg & DataRatesMayApply STOP to optout HELP for info. 
XXXX & XXXX 's : XXXX XXXX received text with Resurgent Debt Collector : We need to speak to you regarding your account. Log in at XXXX or call XXXX. To optout reply STOP Company is resurgent capital or lvnv funding