davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/2022, I deposited a check from XXXXXXXX XXXX XXXX XXXX in the amount of {$2500.00} to my checking account. Part of the money was supposed to be used to purchase an item I was selling to a buyer. I asked the teller if the bank on the check existed. He looked it up and said that it did. I waited until the check posted to my account ( i.e., funds were available ) on XX/XX/2022. That evening, I made an electronic transfer to an outside account via XXXX in the amount of {$2000.00} ( minus the price of the item I sold ). Today, XX/XX/2022, I learned that the check amount of {$2500.00} was being debited from my checking account as the check had been labeled " stop payment ''. I know that I was scammed, but I feel that the bank misled me into believing that once a deposit has been posted and the funds made available to me, it was up to the bank to discern whether or not to accept a " stop payment '' and return funds to the bank upon which the check had been written. It was not stopped because of insufficient funds.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX 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 Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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 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, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing about a XXXX credit  card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX  and EXPERIAN, XXXX multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER XXXX XXXX  : XXXX
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited a check from my local XXXX XXXX XXXX XXXX of amount greater than {$8000.00} and less than {$9000.00} into my own Bank of America checking account via an ATM in XXXX XXXX. Bank of America put a hold on my account for XXXX  days and gave a long list of reasons for putting the hold. The check amount was withdrawn from my XXXX XXXX and it showed the image of check transferred by Bank Of America. I tried calling the customer service and also visited the local financial center on XXXX XXXX XXXX to show them that the funds has been withdrawn from my XXXX XXXXXXXX account. Now I have less than {$60.00} in cash available to me from my both account and any credit card payment may trigger at any time. I had to borrow {$200.00} from my cousin. The response from the customer service and Bank manager is disappointing and that they can not do anything. But what is the policy of holding checks when I am doing transactions between my own accounts? This leads to hardship and stress to consumers.
Consumer complaint received 2023-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : 1. XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AND ( CURRENT ) - UNVERIFIED 2. XXXX  OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AND ( CURRENT ) - UNVERIFIED 3XXXX OPEN XX/XX/XXXX, DATE REPORTED XXXX ( CLOSED ) ( CHARGE OFF/COLLECTION ) CREDIT LIMIT $ XXXX UNVERIFIED 4. XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AMOUNT DUE {$1300.00}, CREDIT LIMIT {$1000.00} -UNVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (WA)

I went to a club in XXXX on XXXX XX/XX/XXXX XXXX  called XXXX XXXX. My friend group and I decided to get a VIP section, to which the front host told me would be {$520.00} total. The next day, I saw my bank statement, and there was a charge for a total of {$850.00}. I called American Express to dispute {$320.00} in this transaction that I was overcharged. A few weeks later, they closed the dispute and said that the charge would remain in my account because the merchant had provided a receipt of the transaction, which I never got. Upon inspection of the receipt, the first thing I realized is that they had forged my signature. I called AMEX to discuss the dispute and they said they couldn't do anything about it even if the signature was forged, and that it was basically my word against the merchant. But because they provided a receipt, they sided with them. They did not care that the signature on the receipt was forged, even when I re-opened the dispute and provided documentation of what my signature has always looked like my entire life.
Consumer complaint received 2023-07-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

During XXXX I had set my mortgage up with a XXXX  month forbearance in XX/XX/2020 at 5/3 Bank. My account was not to be considered past due a d all unpaid payment needed to be caught up by end of forbearance. I was late with XXXX payment due in XXXX, but caught up everything within 60 days. This 30 day late on my credit report is causing issue when trying to put purchase vehicles or if I apply for credit I am turned down for reasons such as delinquent mortgage. I would like the 30 days late removed. It was in forbearance and during pandemic when ability to work was shut down.
Consumer complaint received 2023-11-07
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. (PA)

I FILED A REPORT WITH MY LOCAL ATTORNEY GENERAL 'S OFFICE AND IT CAME BACK AS IT WAS RESOLVED BUT I UPDATED MY CREDIT REPORT AND IT'S STILL THERE I FIRST ASKED FOR A INVESTIGATION WHEN I WAS HARRASSED ON PHONE BY THIS COMPANY NOW THEY INSERTED THIS ACCOUNT ON MY CREDIT FILE.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023 ; I deposited {$330.00} into my TD bank checking account to pay for XXXX XXXX  car transaction in the amount of {$32000.00}. On XX/XX/2023 ; the check from XXXX XXXX  for my account loan was returned and the {$320.00} is in my TD bank checking account. TD bank accountants will not process the transactions pending in my checking account when the funds are available on day the transaction was submitted or within the XXXX hours time frame that TD bank allows bank account to be current or funds deposit into accounts to clear payments.
Consumer complaint received 2023-11-08
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. (MO)

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX XXXX  Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Thank You List of Accounts To Be Deleted : XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX US DEPARTMENT OF EDU : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2023-04-24
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. (SC)

I have reached out to XXXX Equifax and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is still being reported without my verbal consent or written consent.Please hold these companies accountable according to the law according FCRA 15 US Code 6801 15 US Code 6802
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (VA)

XXXX XXXX contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, XXXX XXXX, anyway. 

I spoke to a XXXX XXXX employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to TD Bank and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

Was charged tons of interest totaling {$110.00} on some purchases and I dont use my XXXX card that much. It dont make any sense at all. I would need to have this fix or credited to my account Or see a statements to see why this interest is too high I cant afford this
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Citibank did not send me a statement, which should have been for XX/XX/XXXX to about XX/XX/2023. I normally receive paper statements as I do not have easy access to the internet. I called Citi about a week ago and was told to wait a while longer. But, nothing. I suspect that Citi purposely delays sending out paper statements because it wants to save money on mailing paper statements by scaring those who won't sign up for electronic statements and/or wants cardholders to make late payments and collect exorbitant fees and interest.
Consumer complaint received 2024-03-19
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. (OH)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-03-19
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. (CA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) is not my debt and needs to be removed immediately. I did not incur this debt and its on my experience report
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/23 I was making a deposit in the Truist bank at ATM # XXXX at XXXX XXXX XXXX XXXX NC XXXX at XXXX XXXX. The deposit was for {$820.00}. The ATM had an error, refused to make the deposit but kept the money and gave me an error receipt. None of the money was deposited to the account nor was it given back to me. The ATM took the money, did not deposit it, then told me to call the claims center via error message. I called the claims center immediately after and started the process for a claim. I was told 3-5 business days until I would hear from them. I never heard from them. I called back 5 business days later only to have them tell me to wait 3 more days. Its now XX/XX/23 and I call AGAIN only to be told that only {$20.00} was credited to the account and the other {$800.00} was still being investigated. I called the next day XX/XX/23 and they told me there was NO eta on when review would be complete. I was told my account does not meet specific criteria for the payment to be processed. I asked what that criteria was I was told they are not allowed to tell me as its bank information. 

I have since involved several branch managers at different truists to assist. I have been in contact with XXXX XXXX XXXX XXXX XXXX XXXX who was the only branch manager that was willing to help. Have no had a response from him yet either. Todays date is XX/XX/23 and I still have not gotten the full {$820.00} that I attempted to deposit in the atm.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (TN)

I signed up for a Target store card in XXXX of 2023 offering a {$40.00} instant credit on my card. The credit was never received. I have made XXXX phone calls each time I was assured that I would receive a coupon in the mail. Today XX/XX/XXXX I called to ask about the coupon, after a lengthy conversation and asking to speak to a supervisor the agent hung up on me. I called back a spoke with another agent who after asking to speak with a supervisor also hung up on me. I also asked the agent to close my account because I no longer want to do business with a company that does not honor their advertised offers.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (MO)

I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.
Consumer complaint received 2024-03-19
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. (DE)

I have made several complaints written letters and via emails each time I reported to the CFPB and nothing was done.the first complaint was XXXX. 
My rights are being violated, I opt out of any and all authorization written or unwritten verbal or non verbal 15 USC 6802 15 USC 6805 Privacy Act of 1974. A charge off is a certificate of indebtedness which means it is income and must be removed.The law says it's illegal to report transaction history. 16 CFR 313, 16 CFR 4331.2 16 CFR 433.2 15 USC 1681. Please adjust affected IMMEDIATELY
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Our hardship was caused due to income and illness. We have been trying to resolve this issue and we keep getting denied. On XXXX XXXX, 2023, my agent submitted for a modification. It was under review and in XXXX XXXX, 2023, denied due to unable to come up with an affordable payment. My agent spoke to the relationship manager and they tried to submit for an exception on XX/XX/XXXX, we were advised that it was denied due to CFPB guidelines. They could not explain what this meant and i still have not received a denial letter.