davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (CT)

I originally had an issue with PNC Bank not paying all my taxes in full. They only paid Half of the taxes. This is was resolved. My issue now is that due to the fact that my taxes were paid late there were late payment fees attached. When PNC finally corrected this problem they paid the late fees out of my escrow account in the amount of {$250.00}. 
Their reason for using my escrow account was because I didnt notify them that I had two separate tax accounts. I did not know that the town of XXXX tax department had made my account into two separate bills. I do not feel that I should have this late fee taken out of my escrow account since it was not my fault. 
PNC bank is now telling me that my mortgage payment will probably go up and that I will be paying more for my monthly mortgage when they figure out what I owe in escrow.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I've been aware for the past XXXX  years that ALL the accounts ( from all major banks in the US ) in my XXXX XXXX and ChexSystems report are fraudulent and were not opened by me. My information was stolen XXXX  years ago so I've been a victim of identity theft for a decade. Making the information furnished in that report inaccurate. For more than half that timeframe I have been submitting disputes asking for verification of EVERY piece of information in that report and they ride out the full time the law allows them to investigate just to send me a letter on the last day that says the information has been " verified as accurate '', without providing how or proof. I'm tired of doing the same song and dance and going back and forth with XXXX XXXX XXXX and Chexsystems. I want the entire report and everything in it deleted as it was NOT me and I am a victim of ID theft. I keep getting inconvenienced. I'm opening accounts at banks and having them closed the same day due to this inconvenience. Everything on my report is because of identity theft. I want it all removed.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

I hereby present this correspondence to formally contest the presence of an outdated and inaccurately reported account that has emerged within my credit profile. This issue carries significant implications, as it directly implicates violations of consumer protection statutes, notably the Fair Credit Reporting Act ( FCRA ), and may necessitate the initiation of further legal action. 

Upon careful examination, I have identified an installment account listed as XXXXDept of ED Loan , purportedly totaling {$3500.00}, which grossly misrepresents my current financial status. This discrepancy pervades my entire credit history, encompassing inaccuracies in Account Numbers and the deliberate concealment of crucial account details. I possess substantial documentary evidence to support my claim, thus requiring prompt rectification. I am prepared, with legal representation, to proceed with legal proceedings without delay.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Moreover, the reported last activity date on this account does not correspond with the actual date of my last payment, clearly distorting my credit record. These inconsistencies have been meticulously documented across all credit reporting agencies and will serve as compelling evidence as I take steps to correct the inaccuracies prevalent in my credit profile.
Consumer complaint received 2023-06-15
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. (NC)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-26
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.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
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I am 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, XXXX, and XXXX.
Consumer complaint received 2023-04-26
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. (NV)

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 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 XXXX  XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2023-09-26
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 XXXX 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 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NV)

At XXXX on XX/XX/2024 i was called and hung up on when I asnwered the call. I returned to the call XXXX at XXXX XXXX for 6 minutes. I first spoke with XXXX XXXX and she refused to answer required questions to verify this was a collection company that is able to collect in my state of Nevada. She did the address, name of collection company First Credit Services, phone number XXXX but that was all. I did advise her refusing to provide this information I requested can result in up to a {$1000.00} for her and the company. She then hung up refusing to give any information. 

I was then transfered after i called the XXXX number fiven by XXXX. I was tranfered a total of 5 times XXXX ( refused to give last name ; XXXX XXXX ; XXXX XXXX ) Non of the collections agents would give any of the requested information. I was told becasue I would not verify my personal information they cannt give the information I was asking for, not even the professional license. I requested the professional license ID number with three collctors XXXX, XXXX stated they dont what this is, where that is I should call the XXXX to get it. 
That is when I spoke with XXXX XXXX and she said she was just going to transfer me I was then transfered back to XXXX. I asked XXXX for the the professional license ID number becasue it is not connected to any debter account and then she said she was going to transfer me to manager.The last transfer being with a manager by the name of XXXX XXXX. 
XXXX refused to furnish the professional license, ID number, name or the creditior, address of the creditor, account number assocated with the debt. He state this company emailed or mailed me debt information. I did advied no company has ever been given any consent to email me ever. XXXX removed the email. Did advised XXXX with me refusing the rquested information he could be fined up to {$1000.00} per infraction. XXXX stated he is aware of the the fair credit reporting act ans the CFPB and wasnt refusing to provide any information. I then requested the professional license ID number becasue it is not connected to any debter account not would it violate any consumer provicy. XXXX refused that request also.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WA)

I submitted a money transfer request with Western Union on XX/XX/2023 XXXX XXXX The request was to transfer {$5000.00XXXX XXXX from my XXXX XXXX XXXX XXXX checking account, into XXXX XXXX XXXX to be delivered to my fathers bank account in XXXX ( XXXXXXXX XXXX XXXX XXXX ). 

Western Union promised to deliver the money to the receivers bank account by XX/XX/2023. Today is XX/XX/2023 and the money hasnt been delivered yet. 

I contacted Western Union and they acknowledged the the money hasnt been transferred yet. When I asked for a reason for the delay, they refused to give me one. When I asked for an estimate of when the money will be delivered, they refused to give me one. They started a review case for me and told me the review process could take up to 20 days to complete. 

I chose Western Union to deliver my money because of their promise to deliver it within their declared date range. They did not honor this promise. The recipient is waiting to use the money for an urgent XXXX XXXX thats currently on hold due to lack of funds. 

Transaction tracking number ( XXXX  ) XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

Noticed that a couple account wasnt mines and is fraudulent XXXX XXXX- date open XX/XX/XXXX XXXX- date open XX/XX/XXXX XXXX XXXX XXXX - open date XX/XX/XXXX XXXX XXXX XXXX- open date XX/XX/XXXX XXXX XXXX XXXX -open date XX/XX/XXXX 2021
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kikoff Inc. (FL)

I got covld last year and was out work fa 8 weeks also fighting not trying too be homeless and still trying too build credit I ask them too remove da late payments reporting they said no iam still doin business with them now
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My local XXXX XXXX  is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted XXXX several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my XXXX years of using credit. They still refuse to work with me to resolve my credit report issues.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MD)

15 USC 1692c ( c ) If a consumer notifies a collector and the consumer refuses to pay a debt the debt collector must cease all communication. By reporting to consumer report is a form of communication. 

FCRA STATES THAT I HAVE THE RIGHT TO AN ACCURATE CREDIT REPORT. YOU CAN NOT HAVE A COLLECTION/CHARGE OFF WITH AN AMOUNT OWED LISTED. PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX 2. IQ Data International IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, Experian and XXXX removed from my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 2024-04-19
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

When we initially purchased the car the dealership made some type of error setting up the auto payment. It was corrected during the second month and there was never a late payment made again. I corrected this as soon as we got into month two and I noticed no payment had been taken from my account. Called Allied financial and got the account number and routing number corrected. four years of payments and only the first month late. This is affecting my credit score as well as my SBA loan is on hold until it is corrected or I will have to pay a higher interest rate. Please assist me in getting this corrected.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (TX)

I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-23
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: WELLS FARGO & COMPANY (VA)

I am making a fraud complaint regarding wells fargo bank I requested information regarding checking accounts. And to make a complaint regarding accounts being opened in my name. I received {$300.00} for account fraud of over {$700.00}. I did not receive paperwork regarding complaint on new account opening XX/XX/XXXX ( I got an email verification regarding account ) And did not receive any other documents regarding the rest of payments owed. I was told accepting {$300.00} payments will not interfere with full payment owed from monies taken from account. I never received paperwork was told on XX/XX/XXXX to walk inside the nearest branch for assistance when that is impossible given the fact I no longer have an account or account number