davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (TX)

To whom it concerns, First and foremost Pentagon Federal Credit Union has had my XXXX Disabled for the past 3 Month 's, I have called several times, and am always directed back to XXXX for further assistance, While XXXX tell 's me they can not help me. Secondly I finally got XXXX ( XXXX XXXX  ) To Remove the restriction on my XXXX  profile. Once they removed the restriction. Penfed Revoked my account and told me I am not eligible for XXXX. Upon Calling back, I was told now my " Membership '' Was under review. I was also instructed to send in a paper hand written and request the restriction be removed from my membership. Which I DID. PenFed denied that request, and didn't explain why. Today XX/XX/2024, I received a Letter from PenFed Advising they are revoking my Debit Card. I do not have any branches near me, and In the letter it states that Section 4 States IF I cause PenFED A LOSS in anyway, and or If I cause Harm to Penfed or it's subsidiaries. First and foremost, I have NEVER caused PenFed a Loss. I have not caused PenFed any damages and I have not caused any monetary issues for PenFed or attempted to cause such. There is a Lady that is at XXXX and she called my phone and told me If my card had been stolen I need to call the police which I advised her I already did and she yelled on the phone telling me they will put my account under review. Essentially, XXXX reported back to PenFed a Lie and told them I caused them some Loss, without any proof of evidence of such. My card was stolen and charges occurred, however I did not cause PENFED A Loss. I believe this lady is targeting me specifically as a Racial Discriminatory attack. For One, PenFed Restricted my XXXX in the beginning based on what information XXXX was sent from XXXX XXXX  which was a lie, and I have proof I did not open those XXXX account 's Which I advised PENFED. Secondly, After XXXX finally remove the restrictions PENFED REVOKES MY DEBIT CARD. Citing a Paragraph stating I caused PenFED A LOSS or HARM. I never have caused PenFed a Loss. It's not my fault my card was pickpocketed with my wallet, and you can not state XXXX slurs on the phone with a customer. Your representative did so from XXXX, and shes the one who told PenFed to revoke my card. I can not access my funds any other way with PenFed without XXXX or a Debit Card. I do not have any branches near. PenFed Owe 's me monetary relief for lying about me and stating I caused them a Monetary Loss, which is a lie. I have never caused a Loss to any bank. Especially not to PenFed. I have been an active member for over 6 Years and never have I caused a loss. That Statement in its entirety is profiling and without factual evidence is FALSE. PenFed needs to stop lying about consumers when they aren't even doing what is being stated against them. After they " Reviewed '' My Membership. I want this taken care of, XXXX XXXX should be restored and My Debit Card replaced now that PenFed Revoked it for something that isn't true.
Consumer complaint received 2023-10-24
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (FL)

There are addresses that are inaccurate in my file. Kindly remove them right away. 
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 These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Marlette Funding, LLC (CA)

I was trying to dispute {$100.00} out of this following transaction - XXXX  XXXXXXXX {$320.00} Amount Merchant NameXXXX XXXXXXXX DateXXXX XXXX XXXX  I called best Egg at customer service to dispute it, it's a nightmare to dispute a transaction, for for my future XXXX  or any of the big transactions I will stop using best Egg credit card. 

I wanted to dispute this transaction because it was a nightmare living at this XXXX  and there were lots of amenities which were missing.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (IN)

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

These unauthorized inquiries have raised concerns about potential identity theft or fraudulent activity. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries promptly and provide me with a detailed explanation of their origin.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WV)

I do not remember the exact dates, but what happened is : As Aidvantage took over my student loans, they told me my payment was going to be {$170.00} a month. I paid that original amount, then asked to switch to SAVE. I was told the monthly payment would be {$55.00}. The following month, Aidvantage showed that I would owe over {$800.00} that month and every month following. I chatted back in and they said they would resubmit the calculations and again stated {$55.00}, my account was put into forbearance ( still accruing interest of course ), I checked back in a week or two and my payment was still over {$200.00}. 

I began to chat back in to get this taken care of, but the chat service showed that the agents were disconnecting the chat as soon as it was answered. This continued on until the end of their business day. 

I chatted in again today and they confirmed the payment should only be {$55.00}. They said they confirm that that number is correct, but will send up a request for investigation/research on why this issue continues to happen. For now, I am stuck paying {$230.00} auto-debit because they can't seem to get this right. 

Being unable to reach anyone consistently, seeing large balances, especially {$800.00} balances, is very draining.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-15
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXX ACCNT # XXXX XXXXXXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported. 

Thank you for your prompt response and resolution towards this matter.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (FL)

delete these accounts in ( Equifax ) XXXX XXXX XX/XX/2024 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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)

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 or get rid of the following accounts from my file. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-12-15
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 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
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: Experian Information Solutions Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I was charged two overdraft fees on a single date. This action is contrary to my banks policy listed on their public website which states that customers can not be charged two fees on one date. Please check attached files and summary from website below. 

A maximum of one {$36.00} overdraft fee per day for PNC 's Virtual Wallet customers who are in Low Cash Mode on the Spend account. A maximum of four {$36.00} overdraft fees per day for all other accounts. No nonsufficient funds fee. At least 24 hours to bring your Spend account balance to a minimum of {$0.00}.
Consumer complaint received 2023-12-15
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. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-12-15
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)

I disputed incorrect information on my credit report under XXXX XXXX Account number XXXX XXXX DELETED the account after their investigation but the accounts are somehow returning back as validated for XXXX AND EXPERIAN. 

Under 15 USC.1681b 15 USC.1666, 15 USC 1666b 15 USC 1681S2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report. 

XXXX is reporting that 75 % of the debt needs to be paid off and the balance is {$4800.00} and the account status was updated XX/XX/XXXX. 

Experian is reporting that the account was charged off at {$5600.00} and the past due balance is {$4800.00}. It also reflects on XXXX that the account was closed XX/XX/XXXX. 

This account is being reported as charged off but every month the credit bureaus are reporting a balance instead of marking it as {$0.00}. 

Experian is reporting the account status being updated XX/XX/XXXX and XXXX reports the account as being charged off and being modified XX/XX/XXXX. 
The dates, payment history and balance amounts do not meet FCRA.
Consumer complaint received 2023-07-14
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: MARINER FINANCE, LLC (IL)

I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I knew that my XXXX interest rate was going to go up as my XXXX  % XXXX expired. It was a really big increase so I needed to change my payment due date so that I wouldn't be overdrawn. I had tremendous difficulty implementing this change. Nowhere on Bank of America 's website does it say how to do this simple task. I even went to the bank itself and made an appointment. No one at the bank knew how to do it. He called the credit card number and no one answered the phone for XXXX minutes and this was Bank of America calling Bank of America. I finally had to leave. The recording only says to go online to solve any problem except they have no way to get this done online. I called XXXX more time out of desperation today and by some miracle got a human being on the line. She said the payment date could be changed but would have to wait until XXXX. Why does Bank of America treat people so badly? They are very efficient at implementing changes that benefit them but terribly slow at implementing changes that benefit their customers. I am making this complaint as I think their telephone hold times are absolutely unacceptable and I think they should be able to make a change like this a XXXX minute operation online. I hope complaints like this will change their way of operating.
Consumer complaint received 2023-12-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXX {$0.00}