davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

Our firm was owed a refund of prepaid taxes in the amount of {$73000.00}. An email account was hacked and as a result, fraudulent instructions were sent to our vendor, XXXX XXXX of XXXX, New Hampshire, to transfer the above funds to an account with PNC Bank , National Association. XXXX authorized their bank, XXXX XXXX, to process an ACH ( Automated Clearing House ) payment to PNC Bank , National Association on XX/XX/2023. Our firm, XXXX XXXX XXXX XXXX XXXX, was unaware of this hacked email account until after a phone call from XXXX indicating that PNC Bank did not have an account with the name of XXXX XXXX. We were informed that the transaction would be reversed and the funds would be returned to XXXX XXXX Bank for the account of XXXX XXXX. This did not happen. XXXX XXXX XXXX, XXXX can provide transcripts of the emails ( real and fraudulent ), along with other supportive data, should this complaint be within the proper government crime division. Our telephone number is ( XXXX ) XXXX. Thank You.
Consumer complaint received 2023-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

To whom this many concern I demand my right to subrogation as the XXXX XXXX XXXXXXXX XXXX XXXX in re XXXX and stock XXXX I appoint title XXXX as trustees to set off and settle this account at my direction to fulfill your duties as liable trustees. I demand return of my vehicle to XXXX XXXX XXXX and all interest paid in full to me as subrogee
Consumer complaint received 2018-12-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION (TX)

Government benefits were taken and deposited into a bank account using my hiding government benefits and/or spouse benefits. Also using my Social Security number last digits to take advantage of my trust under a unknown minor. Deceptive trade practices, fraud alert, and Capital Offense making a financial gain on unauthorized asset management. The system is flawed an oversight. I have the right to seek damages from BBVA Compass CA
Consumer complaint received 2024-04-01
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. (FL)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX 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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-04-01
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. (IL)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of charge offs, accounts included in bankruptcy, and public records despite our repeated attempts to rectify this issue. As we approach the several round of addressing this matter, it is evident that more concerted efforts are needed to effectively manage and remove these adverse records from our systems. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these items in my credit file : 1. XXXX XXXX XXXX Balance : {$1200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
2. XXXX XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
3. XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
4. XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2024-04-01
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-25
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. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-03
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. (WA)

XXXX/Equifax/XXXX  have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall be removed.
Consumer complaint received 2023-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Atlas Credit Company, Inc. (TX)

On XX/XX/2023, I applied for extension of credit. Atlas Credit Company , Inc. immediately denied an extension of my credit. This is 2 violations of the ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2018-12-30
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. (IL)

I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Consumer complaint received 2024-04-01
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)

The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, XXXX, and Experian, but I was unable to complete my request. The Experian site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Consumer complaint received 2024-04-01
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (VA)

I trust this message finds you well. I am writing to express my deep disappointment and frustration regarding the continued issue of late opening accounts, despite our previous attempts to rectify the situation. As we embark on the several attempts to address this issue, it is imperative that we take decisive action to ensure its resolution. 

I urge you to conduct a comprehensive review of our account opening processes and systems to identify the root causes of these delays. It is essential that we identify any bottlenecks or inefficiencies and implement effective measures to streamline our procedures and improve turnaround times. 

It is crucial that we communicate transparently with our clients regarding the steps being taken to address this issue and provide assurances of our commitment to delivering a seamless and timely account opening experience. Failure to resolve this matter in a timely manner not only damages our business relationships but also undermines the trust and confidence of our clients. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00}.
Consumer complaint received 2024-04-01
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. (MI)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-25
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)

This credit card account is paid in full and closed. The monthly payment is due on the XXXX of every month and I made 2 payments in the last billing cycle. One for about {$500.00} and one for about {$6100.00} to pay off the rest of the balance. The company once again marked me late and attached is my monthly statement directly from the company as well as a form from a phone representative supervisor who went over my account and told me I need to dispute it with the credit bureaus. My credit is continuously damaged by this account wrongfully reporting on my credit report and is making it very difficult to buy a home. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures. The company has shown a track record of not reporting properly and I have filed multiple complaints which are all in progress. I request that this account be completely deleted off of all my credit reports or at the minimum remove the last late payment and update to paid on time.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HARBORONE MORTGAGE, LLC (NH)

Hi there, In XXXX of XXXX, Harbor One Mortgage informed borrowers that no payments could be made for XXXX due to a computer glitch. On XX/XX/XXXX, we were informed that the issue was resolved and payment could be made. I did this on the XXXX and the payment of {$2000.00} was with drawn from my Credit Union on XX/XX/XXXX. Harbor one then made the exact same withdrawl on XXXX for {$2000.00}, I called them for a refund as my checking account was now overdrawn and fees were being charged by the credit union. Harbon One told me ( XXXX ) that it was a system wide problem and there was nothing they could do. There was no manager to speak with, no email to correspond with, They said it would take time to put the money back and they had not idea of the time frame, ... ..days? weeks? months? 

I want my money back immediatley ... ... It's XXXX. This is alot of money!
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-04-01
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. (PA)

XXXX, Experian, and XXXX are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX  XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on XXXX, Experian, and XXXX 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  / XXXX  Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.
Consumer complaint received 2024-04-01
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. (TX)

I looked at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. and accoriding to the fiar credit reporting act Whenever a consumer reporting agency prepares a consumer report act follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX # XXXX open date is not reporting correctly, date of last active, date of last payment is not correct, the account is not accuate. 

XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX & XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate. 

Here is thi tracking # XXXX and XXXX
Consumer complaint received 2024-04-01
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

On XX/XX/2021 I visited XXXX XXXX XXXX. I received a bill for {$3900.00}. In reviewing the bill I saw the hospital had double billed me for a charge for XXXX ( charging me twice of {$610.00} for the same test -- they only ran this test one time ). I contacted XXXX hospital several times to address their double billing. I was given the run-around, in them saying the test must of been done twice or it wouldn't of been billed. After them not giving me a proper explanation and trying to double bill me, I decided to pay the other parts of the bill of {$3300.00} ( proivded that would pay in full ). In sending my check I advised them in my letter as well as on the back of the check that : CASHING THIS CHECK CONSTITUTES PAYMENT IN FULL FOR BILLING. They cashed my check acknowledging that nothing else was outstanding. I have a copy of the check with their endorsement.
Consumer complaint received 2023-05-11
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.