davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/2023 I went inside the branch of PNC bank and sent a wire transfer to my daughter. Pnc tried to recall the funds and now are holding around {$8000.00} of my money. They opened an investigation since then and the person doing my investigation is XXXX XXXX. They have been saying they are trying to figure out where my funds came from and ect. I provided them documents and bank statements showing the funds belonged to me. Its been over 2 and a half month and they are still holding my money. When I speak to this women XXXX, she doesnt have a clear answer or explaination on why shes holding my funds. She keeps telling me she will wrap up the investigation and release my funds to me by check but she doesnt pick up her phone calls and overall at this point pnc bank is just holding onto my money without a clear answer or reason why.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Consumer complaint received 2023-11-15
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. (TN)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
Consumer complaint received 2024-01-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL (FL)

I revived a letter of Oxygen XL saying I have a debt. It says : We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX You had a Parking Charge with XXXX XXXXXXXX XXXX XXXX with Parking Charge number XXXX. With a total amount of XXXX dollars Date : XX/XX/2023 Thank you so much.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (DE)

We applied for a line of credit on our home and was informed that there was an open lien on the property from XXXX. When we researched this on the XXXX XXXX County Recorder of Deeds web site we discovered there was a mortgage that was not showing as satisfied. Through weeks of research and back and forth with XXXX XXXX  and Ocwen we are unable to resolve the issue. XXXX keeps saying that it is Ocwen and Ocwen say that they are only responsible for loans after XXXX. XXXX is the company that placed the letter of satisfaction on the incorrect loan back in XXXX. Please help us with this. We have done nothing wrong. Always paid our debts and now we can't get a line of credit because XXXX filed a letter of satisfaction on the wrong instrument number. Please see latest email chain below with more details.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

1 ) XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions
Consumer complaint received 2024-03-25
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. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP (WI)

I paid my XXXX Mortgage Payment on the XXXX of the Month, in the month that it was due. Its due on the XXXX. I went into the local branch to pay my payment, I included my late fee. I notified the teller of this information. Associated Bank Processed my payment on the XXXX of XXXX. They reported my payment late to the credit bureau. My account now shows delinquent on my credit report and suffered a XXXX point drop in my score. I paid my payment in the month it was due. This is inaccurate. Please help me resolve this issue. Thank You!
Consumer complaint received 2020-09-12
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. (FL)

I recently reviewed my credit history and noticed inaccurate accounts and inquires that are not to my knowledge. I did not inquire nor did I authorize any of these businesses to access my information for any reason at all. These are fraud accounts because they weren't my doings by any means. I would to see these accounts removed as possible.
Consumer complaint received 2024-03-25
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX and XXXX will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXXXXXX XXXX XXXX account number-XXXX
Consumer complaint received 2023-11-15
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. (NY)

Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.
Consumer complaint received 2023-10-03
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: GOLDMAN SACHS BANK USA (NJ)

XXXX made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back. 
We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company. 
Please do not worry, your order is on its way to you. 
Thank you so much for your patience and understanding. 

And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account.

Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}
Consumer complaint received 2024-03-25
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. (NC)

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 XXXX 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 XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Western-Shamrock Corporation (MO)

Western Shamerock is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I sent in a dispute about the addresses and name to experian. Today I received the results and they updated the apartment only. I requested to have all addresses removed except XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX. Also I requested to have the name XXXX XXXX remove. My name is XXXX XXXX. For some reason they seem to get it wrong
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XX/XX/XXXX move out date from XXXX XXXX XXXX XXXX from our apartment XXXX, after a few days we been charged with no permission ( fraud ) another amount equal for a month of rent XX/XX/XXXX a check was sent to us for the amount of extra month charged, missing our deposit of XXXX XXXX XX/XX/XXXX a email was sent to request information about XXXX XXXX from deposit, after multiple calls ( been blocked from the community, used other phone numbers to reach them where we could not get an answer ) a period a complete silence, because of reading reviews about the community and company, understood that will not get an y of those money XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX, WA XXXX, reaches me out about a owned amount to XXXX XXXX XXXX XXXX of XXXX XXXX XXXX reaching out the XXXX XXXX, being refused to clarify an discuss the situation been directed to discuss with collector company multiple calls back and forward of requesting statements thru emails from collector company, being refused, just calls with no registered discussion been conducting, not being aware of XXXX XXXX of deposit certain point we clarified that there was a deposit of XXXX , witch it was stated that was returned to me. I questioned '' correct me, normally deposits are for cover extra expenses, they are used right after moving out, not sent back right away '' ( trying to indicate there's a mistake, as many other happened before ) and knowing that the deposit never returned I suggested to used that money and sent me the rest over a check, refused XX/XX/XXXX Colector agency reaches me again, sending me an XXXX  of an ''invoice '' generated XX/XX/XXXX by XXXX XXXX , indicating that XXXX XXXX deposit was returned ant that they don't have it on hand anymore ( notice incongruence of dates ), I do understand that there's no transparency no right, I asked to stop sending to me the emails. 

trying reach out XXXX XXXX company for payment clarification, but their websites are down Collector company reported that I own XXXX XXXX witch affected my credit score
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

Im accordance with the Fair credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15.U.S.C. 1681 Section 602 A states I have the rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish without my written instructions