davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (OH)

Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.
Consumer complaint received 2024-03-18
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. (NV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

I entered into a dispute with a merchant through PayPal. PayPal then informed me in order to receive the money I was seeking that I needed to return XXXX shirts of XXXX items total I ordered. I didn't receive XXXX items and wanted my money back for those XXXX items. I was told in order to get my money that I had to submit tracking information to PayPal of these XXXX items being shipped back. Which I did on XXXX  XX/XX/2024. It's XXXX  XX/XX/XXXX and PayPal has yet to give me the money they told me I'd receive when I submitted the tracking information. I also submitted a receipt of the shipping purchase. I had to borrow the money for the shipping purchase on the pretense that I would be able to immediately pay back the money. Now myself is under heavy financial burden due to not having the {$260.00} I am owed. They promised me as soon as I submitted the tracking information they would give me the money. Now he I am still waiting on money I need desperately and have gone back and forth for XXXX XXXX now of PayPal avoiding and dodging the issue at hand. That their XXXX  told me I'd get the money and have really screwed me on this.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union continues to report companies with {$0.00} balances as delinquent such as XXXX XXXX, XXXX XXXX   and XXXX XXXX.

It is also reporting multiple inquiries to whom a lot of have given no consent to run my credit.

It is also reporting a new account XXXX XXXX XXXX that I have had no contact with and am not the designated owner of the account.
Consumer complaint received 2024-03-18
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. (NY)

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Consumer complaint received 2024-03-18
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. (MD)

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, Experian, and XXXX.
Consumer complaint received 2024-03-18
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-18
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OR)

I opened a XXXX  savings account with Chase when I was in XXXX XXXX. I was a minor and opened the account with my mother. As of last week they told me that they had a history of three accounts being opened in my name and closed without my authorization and without notifying me of these changes.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it on my credit report
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

On XX/XX/2024 I linked my Marcus by Goldman Sachs High Yield Savings Account to my XXXX XXXX  account to transfer my XXXX XXXX and purchase a security of XXXX XXXX and transfer the remaining XXXX XXXX into the XXXX XXXX XXXX XXXX. 

The XXXX account is in my name. 

When the transaction was executed by XXXX on XX/XX/2024, the transfer was blocked by Marcus by Goldman Sachs. Marcus by Goldman Sachs did not try to reach me by phone or email. I got no notifications from Marcus by Goldman Sachs. 

XXXX called me and said the transaction was not successful and a {$40.00} fee would be charged as I did not have the funds available.

I called Marcus by Goldman Sachs on 05/15/2024. They told me the transaction was flagged by their system and my account was frozen. I provided all my information ( SSN, DOB, and secret passcode ). Marcus by Goldman Sachs then asked me for a one-time passcode to be sent to my personal phone number linked to my account. My phone number has not changed in 8 years.

They then told me they could NOT send the one-time passcode to my number because I recently changed carrier ( 1 month ago ).

They then asked me to provide a Driver 's License which I provided and they told me the Driver 's License from the state of Massachusetts is not valid for the verification.

At this point, they told me they could not verify me and the case would be transferred to the Fraud Department. They could not transfer me directly to it and told me someone would call me back. 

I then waited but no one called me. I then called Marcus by Goldman Sachs again on XX/XX/2024. They tried to verify me again with the methods above but were unsuccessful. They were unable to provide any information or transfer me to the Fraud Department. They were unable to provide me with any status or resolution estimates. 

I called again on XX/XX/2024. They tried to verify me again with the methods above but were unsuccessful. They were unable to provide any information or transfer me to the Fraud Department. They were unable to provide me with any status or resolution estimates.

At this time I do not have access to my account and I can not transfer the funds back to my brokerage or my checking. I was not provided with an estimate again and I am not clear when this will be resolved and I will get my money back.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-03-18
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. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-03-18
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-05-08
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. (CA)

Information reported that does not belong to me : NAMES : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( MY ONLY NAME IS XXXX XXXX XXXX ) ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX ( MY ONLY ADDRESS OVER 7 YEARS HAS BEEN XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MY ONLY EMPLOYER IS HXXXX XXXX XXXX XXXX )
Consumer complaint received 2024-01-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

Unauthorized Transactions XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/XXXX and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had two unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/XXXX on XX/XX/XXXX I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions. I requested the investigation documentation and still have yet to receive anything and its now XXXX They have never contacted me regarding any type of investigation they just simply kept denying my claims without providing anything showing what they came up with.
Consumer complaint received 2024-03-18
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. (MN)

I am submitting to express my urgent concern regarding the handling of fraud-related items on your platform. Recently, I have observed numerous instances of fraudulent listings, which not only undermine the integrity of your service but also pose significant risks to your users. There seems to be a delay in removing these fraudulent items, leaving them accessible to unsuspecting customers for an unacceptable duration. This delay not only erodes trust in your platform but also exposes users to potential financial losses and other harms. I urge you to take immediate action to enhance the efficiency of your fraud detection and removal processes. This may entail investing in improved algorithms for detecting fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. Additionally, I recommend establishing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are crucial in maintaining the trust of your user base. Failure to promptly address these issues not only reflects poorly on your company but also endangers your users. I implore you to prioritize the safety and security of your platform and to take proactive measures to combat fraud effectively. Furthermore, I am seeking your assistance in removing or correcting the following fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (CA)

This company calls me 2 to 3 times a day everyday and it is in the hours that I am at work so I can not answer my phone and this has been going on for about a month-and-a-half. I did end up calling this phone number back and found out that it was Diversified Consultants Inc. The lady that I spoke with and right now I can't remember her name, but she stated that she was a debt collection agency for XXXX. We ensued in a conversation and she said that I had to take care of this debt. we started to work on a way to get this debt settled however she said that they could not except the payment arrangements that I said I could do. I told her that was the only Arrangement that I could make and she said that I was being non-compliant and that she would notate the account. And then she hung up. I looked up their company name and found a bunch of complaints against them saying that they were scam artists, so I brought up my credit report to see if they were truly the ones named on my credit report for that debt and found out it was under another name. So I am going to contact the actual company on my credit report to get this debt taken care of, but people should know about this other company.
Consumer complaint received 2024-03-18
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (SC)

I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-18
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. (CA)

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, Experian, and XXXX.