davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I went to file a dispute due to someone using my identity and Trans Union keeps telling me they are going to fix it. However 5 months later they have not done anything I have called mutilp multiple times and I keep getting told that it's either a website issue or it will be escalated to another department as of today five months later nothing has been done I just spoke to the rep XXXX. and she said that there is an error on my account however this should've been taken care of five months ago
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Citibank blocked my checking account on XXXX ( XX/XX/XXXX ) because the address on file had been changed. I called and verified the address. The account was unblocked for a couple of days and blocked again without any notice. When contacted, they said that they needed to verify the ID of the joint account holder ( my brother ) but couldnt give a reason why as all documents were presented when then account was opened. He went to the XXXX, California branch of Citibank to unblock the account in person on XX/XX/XXXX and provided a copy of his Driver 's License and Social Security Card. They said that it would be unblocked within XXXX hours. 

On XX/XX/XXXX, I still do not have access to our money. My identity is not in question but my access has been blocked as well so I called and they transferred me to the Remediation Department. The person from the Remediation Department explained to me that the XXXX XXXX had uploaded someone elses drivers license ( someone unknown to us ). We both agreed that was a mistake from Citibank and that they would expedite the unblocking because I did not have access to MY FUNDS. They asked me to email my brothers Drivers License and call them afterwards to have the account unblocked immediately. I did as instructed and when I called them, they verified that they received the documents and would escalate the process to expedite it and that I could access my funds in two hours. 

It is the end of day on FRIDAY XX/XX/XXXX and Citibank is unlawfully keeping me from accessing my funds because of THEIR mistake. They need to be investigated for unlawful practices and, needless to say, they need to release my funds NOW, which I need to survive. 

Furthermore, this is a very serious security breach. They sent someone else 's documents to my account and who knows where my brother 's Driver 's License and Social Security Card ended up. This bank 's practices should be investigated.
Consumer complaint received 2024-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have been trying to get this derogatory off of my credit for months. I have sent in several disputes, and nothing has been done. I have submitted documents proving it is me sending the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (LA)

I have incorrect information on my report, and the representatives from each that I spoke with did not seem to have any interest in assisting me with removing the information. I have sent multiple dispute letters to try and to show them how severe this is to my report but still no help. So I have listed all of the inquires next to the specific bureau below in hope that filing this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 I am a victim of identity theft please remove it from my report.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

I am reaching out to you regarding distressing fraudulent activities that were used with your services. Regrettably, I have fallen victim to an elaborate scam twice orchestrated by a fraudster lady named XXXX XXXX and a scammer named XXXX XXXX XXXX. Through cunning tactics and collaboration with these individuals, I have suffered a significant financial loss. Trusting in the reputation and reliability of the involved entities along with " XXXX  ( scam platform ), I now request a refund totaling XXXX USD which reflects the full extent of my losses from my PNC bank account. I urgently seek your assistance in promptly addressing this matter to minimize the impact of this fraud that has affected my well-being and caused me emotional distress
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Section 609 of the Fair Credit Reporting Act outlines consumers protections regarding disclosures. It requires credit reporting agencies to provide consumers, upon request, with information in their report, including : Details, including dates and contracts, on any opened or closed account on credit reports at the date of the request A list of all parties that made hard or soft inquiries on account over a 12 year period All source information linked to each item on the credit report. 
I requested a break down of my credit score since my credit was establish however they can provide me with the information. Their reporting directly affects my ability to be approved for credit cards. Home and business loans. They have no way to tell me when I turned XXXX to now if my score was XXXX or XXXX. There is no way to see or correct any mistakes
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute and demand the immediate deletion of the XXXX XXXX account information that you have reported on my credit report. I have previously requested, in good faith under Rule 1002 of the Fair Credit Reporting Act ( FCRA ), the documents that demonstrate proof of compliance with the legal requirements pursuant to sections 15 USC 1666b and 1637 ( b ). Specifically, I requested proof of the mailing or delivery of information required 21 days before the payment due date, as mandated by section 1666b.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

I am writing to file a formal complaint against US Bank with the Consumer Financial Protection Bureau ( CFPB ) regarding their denial of my dispute on my debit card transaction and the subsequent closure of my account. The disputed charges were related to the presence of roaches in my weekly hotel room at XXXX XXXX. Despite providing evidence and documentation from XXXX XXXX confirming that they had sprayed for roaches during my stay, my dispute was unjustifiably denied by US Bank. 
On [ Date ], I filed a dispute with US Bank regarding unauthorized charges on my debit card for my stay at XXXX XXXX. In my initial dispute, I specifically mentioned the issue of roaches infesting my hotel room and emphasized the inconvenience and health risk it posed. However, to my astonishment, US Bank denied my dispute without any reasonable explanation. Furthermore, in response to my dispute, XXXX XXXX provided documentation confirming that they had indeed sprayed for roaches during my stay. 
They admitted that some roaches may have attempted to seek refuge in my belongings as a result of the extermination process. Additionally, when I requested a refund from XXXX XXXX due to their failure to address the roach infestation in a timely manner, they agreed to provide a refund. 
To my utter perplexity, US Bank not only denied my dispute but also proceeded to close my account. Furthermore, they are now recharging me for the charges from XXXX XXXX that had previously been disputed. This unjust action by US Bank is in direct contradiction to the evidence I have provided, demonstrating that XXXX XXXX acknowledged the presence of roaches and offered a refund. 
I request that the CFPB thoroughly investigate this matter and compel US Bank to rectify their erroneous denial of my dispute, reinstate my account, and cease any attempts to charge me for the disputed transactions. I also urge the CFPB to take appropriate action against US Bank for their unjust treatment and disregard for consumer protection. 
Please find enclosed
Consumer complaint received 2024-07-01
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. (MI)

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 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (TX)

I was in trouble with my mortgage late XXXX. Was able to bring it current. 

I sent my payment to PNC in XX/XX/XXXX in the form of a cashiers check to their online listed overnight address. It was confirmed received and signed for. This past week, I asked for a stop payment on this check, and reissue the funds to me. Am happy to send to PNC when I receive- the process, my financial institution said, will take 7 days, so I should have the funds reissued. 

I sent my XXXX payment to PNC in XXXX in the form of a cashiers check to their online listed overnight address. It was confirmed received and paid for. I am paying XXXX {$100.00} each time I send- an doing this because I am serious about keeping my mortgage current and paying via cashiers check ensures the money is out of my account and PNC knows the funds are guaranteed. The check has never been cashed/payment applied. 

3. I am now getting calls from PNC and they show me 4 payments behind, I am prepared to bring my mortgage current AGAIN, and keep it current. It does feel as if PNC is setting me up to fail. 

Note that the last picture attached is a copy of a cashiers check issued to me and I signed over to PNC in XXXX i have done this before and its been accepted. This is the check I put a stop payment/reissue. I can deposit and resend but then I need grace as my bank puts a very long hold on funds ( XXXX business days ). 

Also note that because these checks havent been applied, I received a distribution from my retirement for the $ XXXX owed. I will place a stop payment on XXXX check as well if needed and if PNC can not find. But again there is a XXXX business day hold on funds over $ XXXX, so itll be end of XXXX before I can express the remaining full amount. The best solution is for PNC to apply XXXX, and let me send the rest via cashiers.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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)

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2023-09-20
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-22
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. (NM)

I have been fighting this for years now.When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and don't know mothers maiden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AZ)

I have inputed the correct bank account number and routing number to the AidVantage website to pay off my debt. I have send 2 previous payments and both payments towards my student loans have been reversed. The website keeps sending delinquency notices but they won't accept my payments.