davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

Request for Assistance with PNC Bank Wire Transfer Issue Hello, I'm writing to discuss a rather concerning issue that my business, Rocketserve.io, has encountered, involving a wire transfer to PNC Bank. It's been a challenging situation, and I'm hoping to get some help from the Consumer Financial Protection Bureau. 

Background : My company got involved in a solar project, requiring us to manage and buy some specialized parts. For this, we sent a substantial payment from our XXXX account ( XXXX ) to a PNC Bank account on XX/XX/2023. This transaction, tracked under Transaction Reference Number XXXX, has been a part of an ongoing investigation ( XXXX Case ID XXXX ). 

The Issue : Heres where it gets tricky. After sending the money, we found out that the funds, which were meant for buying parts for the solar project, were being shown for something entirely different " people helping people ''. This doesn't match what we agreed upon in our contracts. 

Because of this discrepancy, I had to step in and tell the fraud agent at XXXX not to release the funds to XXXX XXXX, the intended recipient. Adding to the complexity, I learned from XXXX that her bank account was shut down during this whole situation. 

Attempts to Resolve : XXXX has tried reaching out to PNC Bank multiple times, but there's been no response. It's left us in a tough spot financially and operationally. 

Request : I'm hoping you can step in and help sort this out. It's important for PNC Bank to address these issues, especially with the suspicions of fraud and mismanagement of funds. We need to get to the bottom of this and ideally get the funds returned to my account. 

Thanks for taking the time to look into this. I'm looking forward to any guidance or support you can provide to help resolve this unfortunate situation. 

I've attached documentation to help further describe the situation or support the wire transfer to the account in question. I'm hoping the money is just in limbo and can be transferred back to the now-closed chase bank account as previously mentioned as so we don't go out of business because we were frauded by some random client. 

Any assistance in resolving this would be answering a prayer. 

Best regards, XXXX XXXX XXXX XXXX Owner/Operator XXXX XXXX XXXX XXXX Order In, Service Out '' Office : XXXX ( XXXX ) Mobile : XXXX Toll-Free : XXXX
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

Called milestone about account summary and payment information I received on a credit card I never opened! I spoke to a lady named XXXX in the fraud departments. Her number is XXXX. I explained to her this is a fraud case because I've never heard of this milestone. It's also a XXXX XXXX out of XXXX, Georgia. There's not even a correct address. It's called concora credit. They have charged me {$170.00} in fees. No goods were charged to the credit card.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (TN)

This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. 

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem. 

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (VA)

Citi bank stated that I did check balance of {$4700.00} back in XX/XX/XXXX. I asked Citi for a photo copy of the balance transfer check and they have not provided me with a copy. I did a balance transfer to XXXX in the amount of {$830.00}. When I inquired more about the account, the account/credit card did NOT match my account number.. my account ended in XXXX. I was never sent a statement with amount that I owed {$4700.00} I only found out in XX/XX/XXXX when I notified internet charge that I didnt recognize and thats when I found out this XXXX XXXX check transfer with a account ending in XXXX. They could never produce this photocopy and its NOT my debit charge.
Consumer complaint received 2024-08-06
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. (NE)

TODAY I NOTICED UNAUTHORIZED LOANS ON MY CREDIT REPORT THAT I DOD NOT AUTHORIZE OR HAVE KNOWLEDGE OF. I STARTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. THE AMOUNTS ARE OVER $ XXXX. I WANT THEM REMOVED WITH ANY HARD INQURIES FROM ALL 3 CREDIT BUREAUS.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 

XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Consumer complaint received 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OK)

I received an American Express pre-paid gift card for XXXX for {$50.00}. Everytime I try and use the card, it says payment declined by card issuer. I checked to make sure XXXX took Amex, and they do, so I called customer service. Customer service advised me the payment is sometimes declined to protect the customer and there's no way to tell who is going to take the card. I said, they take the card because I checked, and they said to just try another store. They weren't any help so I did some research and this apparently is a thing with them. Why make a card the customer can't even use? The card didn't even have the full XXXX, it said the balance was XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (TN)

This letter is to notify whomever that I have been contesting charges levied by XXXX XXXX XXXX since XXXX of XXXX with multiple phone calls and written letters. I have called their billing office on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. I requested an itemized bill and a coding review both of which were never done. I have repeatedly asked for a supervisor and even sent letters in the mail which have never been answered. 
What I am disputing. The only bill I have ever seen charged me for a moderate ER visit for a laceration. I contest that my ER visit was minor, not moderate, and my daughter did not have a laceration, but an abrasion. She was seen by a medical physician for less than XXXX minutes and XXXX within XXXX minutes of being in a room. How anyone could consider this a moderate visit is beyond my comprehension as an emergency medical provider of 13 years. 

I spoke with the debt collection agency today and told them I was already disputing the charges with XXXX and would dispute them with the agency as well. I asked what documents they would need to dispute the claim and they would not advise. They would only state " you must provide documentation of why you don't think you owe the money '' no specifics were mentioned.
Consumer complaint received 2023-10-23
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2024-05-12
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. (NC)

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 2024-05-12
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. (IN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # 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 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-06-27
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I discovered again 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX Tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (KY)

After asking these questions the customer service representative told me that the online stores I was shopping at were not accepting the American Express gift card even though the places I shopped at said they were accepting it. When I explained that I have used it in store at various places the customer service representative proceeded to repeat the same thing over and over again. Stating that the stores I was shopping at was not accepting the card and to try a different store. I have tried everywhere. Including fast food places and various in store retailers. I can not use the card and the customer service is no help at all.
Consumer complaint received 2023-12-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was issued two American Express gift cards by my company, one for {$200.00} and another for {$50.00}. I have attempted to use these balances at XXXX, XXXX, and XXXX, all for charges less than the balance of the cards. I have had each transaction declined by the vendor. I have tried to call the AmEx customer service number to figure out why the cards have been declined, but there is no one available to speak with. Having looked online now, it seems that many others are having the same issue with being completely unable to use these gift cards for online purchases.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-11
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: Adler Wallach & Associates, Inc. (GA)

Contacted each credit bureau and informed them Im a victim of identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1600.00} {$1600.00}
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I needed to put a freeze on my credit account because apparently it got leaked from multiple sources. EXPERIAN forced me to create an account in order to place a security freeze. Ever since, they have been spamming me. Their emails beg me to sign up for more monitoring or other bogus services they offer. 

For example, they spam me constantly telling me that I have a new credit alert to review. But all the credit alerts are just that my credit card balance changed. It changes every time I swipe! It changes every couple of weeks when I make payments. It changes when the balance goes up or the balance goes down. They are using this as an excuse to send spam, and they won't let me opt out. 

Another example, they send " reminders '' for me to check my credit. But the reminders are full of marketing for " experian boost '' and other bogus products. 

XXXX XXXX XXXXXXXX It says they were penalized but they are still spamming me! I never asked to be a " customer '' of this company, I just needed to freeze my account. 

I contacted your customer support and they just gave me the runaround, insisting that the only way to stop the spam was for me to cancel the account. But then you'll go ahead and start sharing my personal information again ( because the freeze doesn't work unless I have an account ).
Consumer complaint received 2024-05-12
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (NV)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-11
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. (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.

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 informationisinaccurate.