davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (VA)

I went to XXXX XXXX XXXX on XX/XX/XXXX, at their address, XXXX XXXX XXXX , XXXX, VA XXXX. My purpose was to explore the possibility of purchasing a pre-owned XXXX  XXXX XXXX. During my visit, I provided my Social Security Number to one of the sales representatives named XXXX. I explicitly informed XXXX not to initiate a credit check without obtaining my approval first, after which I departed from the dealership. To my dismay, on that very evening, the used car sales manager conducted a credit inquiry without obtaining either my verbal or written consent.
Consumer complaint received 2024-04-26
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. (MD)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-04-26
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-04-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00}
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I received a refund check from the IRS Department of the Treasury. I signed the check over to my daughter and we went to deposit the check at our local PNC branch in XXXX XXXX, NJ. She told the teller that the check was being signed over to her and the teller, in an attempt to get out of doing work, inappropriately told her to deposit through the ATM. The check was not accepted bc it was in MY name and the teller knew this. 
PNC then send me a LEGAL COPY of the check, not the actual check. The US Dept. of the Treasury DOES NOT honor legal copies of checks. ( I found this out later. ) PNC, however, accepted the legal copy of the check for deposit. Why do their employees NOT know that this is the case with IRS refund checks? 
PNC then sent my daughter a letter stating that there is a 5-day hold on the check. When she called The PNC Deposit Center, they stated that the check was NOT going to be accepted because the IRS/Dept . of Treasury will NOT honor a legal copy. But PNC has the original copy in their ATM ... 
At this point, PNC has done absolutely nothing to remedy this matter that they caused. I am being told by the IRS that PNC must return the funds and they state they don't have funds. The managers at the branches have been useless and my family has no money to live on as I do not return to work until XXXX. PNC hires XXXX and does not train them well. They have no idea how to handle banking. 
My family and I are left destitute now and we won't be able to get the check reissued for 4-6 weeks.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

XXXX XXXX I tried to unlock my card to be able to use it when the chime app had told me my account had been closed and provided me with a number to call for further questions I called the phone number to be told that for security purposes they would not tell me why my account had been closed or give me any information when asked about recieving my remaining funds that were in the account when it was closed I was told my account was ineligible for a refund and that they could no longer assist me please help I just want my money back every time I call they say they cant help and hang up they have refused to even let me speak to a manager I havent done anything different with or to my account that I havent been doing and Ive been with them for years what is happening???
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please removed this unknown credit inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (CA)

payments declined from two different debit cards XX/XX/year>. payment paid ealy and they still debited my account and reported a returned payment XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX is incorrectly reporting on my personal credit report. There is a balance showing of {$1900.00} which is invalid. The account has been satisfied and the balance should be showing as {$0.00}. 

Also, the current payment status is showing as Collections/Charge-Off, which is also invalid, as the account has been satisfied and paid in full there is no remaining balance due on the account. The remarks as showing as Charged off as a bad debt, profit and loss write-off, which is also invalid and all of the above is impacting my personal credit report which is generating and invalid credit report score. 

Invalid Inquiries : There are multiple invalid inquiries listed on my personal credit report that I have disputed with the credit reporting agency and have provided the necessary information requested regarding credit fraud and identity theft, some of these inquiries are listed multiple times within days of one another. 

Invalid inquiries include the following 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I submitted an online mortgage payment that was due on XX/XX/XXXX. I immediately received an electronic confirmation that my XX/XX/XXXX payment had been received and processed. On or about XX/XX/XXXX, I received a letter from the lender dated XX/XX/XXXX, stating that the lender had " received the funds to pay off [ my ] loan. '' Although my property address, Loan number, and FHA Sec/Case Number appeared to be correctly referenced in the lender 's XX/XX/XXXX letter, I was puzzled because I had not paid off the loan, had not discussed paying off the loan with the lender, and had already made important arrangements to celebrate with family and dear friends, the unprecedented occasion of me paying off my first home mortgage loan after what had been planned to be my final payment on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to the lender concerned that perhaps another borrower 's payment had been incorrectly applied to my account. When I called the Customer Service telephone number that appears on my monthly loan statement ( XXXX ), I was connected with " XXXX '' who explained to me, unsatisfactorily, that it is a " ... standard, and common practice for mortgage accounts to be paid off with the escrow whenever the principal balance is less than the escrow. ''
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. ()

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-08-15
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: DISCOVER BANK (FL)

On XX/XX/year> I was stranded by XXXX XXXX XXXX XXXX XXXX with need to book new flight back to XXXX. When about to click " book '' for XXXX  {$2000.00} on my XXXX in my XXXX XXXX account, I saw a desk with medium sign " XXXX '', so I asked the woman if she is their " help desk '' and if I am safe to press " book ''. She said : " I can help with XXXX ''. She stated that if I press book it may read as " standby '' ticked and if flight is full, I may remain stranded at airport. She suggested to book for me, which she did -the same flight for much higher XXXX  {$3100.00}! I asked for her name to leave feedback to which she declined. Once in airplane the flight was almost empty. Upon view of my credit card charge back in XXXX, it wasn't by XXXX, so I spoke to XXXX XXXX agents on the phone, both stating " standby '' ticket is impossible. That is when I searched online to find the merchant and asked them via email for partial refund, because their employee mislead me by not clarifying she is NOT XXXX XXXX but a travel agent and for lying about a " standby '' ticket, which prevented me to book the flight myself at my rate of XXXX {$2000.00}. They denied partial refund stating transaction is " valid ''. 
I filed dispute with my Discover credit card. Initially they sided with me, but last week Discover reversed the partial refund based on " valid '' transaction receipt. Therefore I called Discover after and a senior dispute agent advised me to ask Consumer protection help, due to Discover paperwork based decision making it impossible to side with me. 
I emailed a XXXX based Consumer protection since the merchant operates in XXXX XXXX, but they asked me to find XXXX based help because I do not reside in XXXX. 
Today I spoke to CFPB agent and we agreed that I can file online to ask my Discover Credit card again to please reconcile and side with me for the partial refund, because despite " valid '' transaction, the merchant used fraudulent tactics to prevent me to book a flight myself and in turn obtained a transaction from me.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

1. I have had my student loan since 1993 no loan forgiveness have had the unfair forbearance of compounding interest with an approximate XXXX loan over {$90000.00} still in repayment and down to {$35000.00} I have paid so much interest. 
My problem is I have got such bad information about loan forgiveness from what I have read I qualify but I have not seen a thing. 
I hear Biden/Harris commenting on how much they have given I have yet to see it. 
At the rate I am now I wont have this paid off until I retire. Thats sad.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (TX)

I was XXXX  on an XXXX XXXX XXXXXXXX in XXXX XXXX Texas on XX/XX/XXXX and was sent to XXXX XXXX XXXX  where I remained until I was recently released on XX/XX/XXXX. Someone opened up a credit card in my name on XX/XX/XXXX without my knowledge or consent and spent over {$400.00}. Now the company is attempting to collect a debt that is not mine. A public records search on the XXXX XXXX XXXX XXXX website and the Texas Department of Criminal Justice website will show my dates of XXXX.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-12
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. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on XXXX XXXX XXXX XXXX XXXX XXXX. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-12
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. (CA)

uknown inquiries on my credit report. i did not knowingly or willfully authorize these inquiries. please delete this inaccurate items 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 2024-06-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My act was compromised in XX/XX/XXXX due to a lack of the bank protecting there customers and frezzing my act left me with no outlet not even money to feed my self I was literally going hungry and had no gas to get to work no way to pay my bills and not even money for the medication I so desperately need at that time i had gotten vary sick and left with no answers all I could do was fight and fight to try to get my money back from the bank I fight till XX/XX/XXXXXXXX XXXX XXXX  and finely had the bank pay me back. after years of stress and standing up for my self and fighting for what was rightfully mine it's sad that I had to fight for so long. I don't have words for it. and the stress and the impact that stress. had on my health. it was a lot and took a big impact on me now I got to fight to get the bank to make up for all this. that this has put me through the time I spent hrs. over looo hrs fighting as well as checking in on the progress of my claim some days I spent 8 plus hrs on the phone just to get distonected some days I get up at 4 in the morning and call in just a hope that I reach a live person that day. and be pushed to do so by the filling of being hungry. and not knowing what else to do and this had gone on for three years I believe that the bank should be held accountable for this and my hrs that I spent on the phone should had been at work not fighting on the phone with the bank. and one whould think that the bank try to do something to make up for all the unessary stress. they had put someone thru especially for 4 years I can tell u it was extremely stressful and liveing with XXXX the stress did nut help by any means was it good on my health I fill that the bank need to be accountable for there actions and make up for what this has cost me and the many many hrs of workn i missed do to trying to resolve this matter I try to reach out to the bank on this matter several times now and filling out this complaints seem to be the only way of getting any thing to u on this matter
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm just now starting to pay attention to my credit and i'm noticing a lot of fraud accounts in my name. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

BSI financial has decided to retaliate against me for the complaints I have submitted. In XXXX I submitted my payment, apparently their was an increase in my payment due to property tax increase so they placed my payment on hold and did not post to my account and caused it to look like a 30 day late for XXXX. In XXXX the following month my house was sold and loan was paid off in XXXX, they continued to report a 30 day late for XXXX. I have attempted to resolve with them and the reps hang up on me or say no supervisor is available. I also was told a dispute was submitted but its all lies. I need help please. It seems as though they have decided to retaliate against me. I was previously in forbearance years ago due to XXXX. My dads wife died of XXXX and then he was sick and I had to care for him for over a year until he was better. I had no choice I had to quit my job to take care of him. I dont understand why this company has treated me like this. This is so unfair. They got their money I am done I dont owe them anything. Look at all my previous complaints through CFPB and other people saying the same things. I cant find a home to rent because they ruin my score recently. Please help us. BSI told me I had to sell my house or I was going to lose my house. I did as they told me. Now I dont have a house or apartment because my score has been damaged by this.
Consumer complaint received 2024-04-26
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. (FL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.