davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (MI)

PNC advertised an offer where they would give a {$400.00} bonus for making a new account and having {$5000.00} of " qualifying direct deposits '' post to the account. 

Their terms stated : A qualifying Direct Deposit for this offer, is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. 

I had over {$5000.00} of direct deposits post from XXXX XXXX but they denied the bonus. 
I consistently got 2-3 payments from XXXX XXXX XXXX every month. 

They clearly met the four conditions, as they : are recurring, are regular monthly income, are electronically deposited, and are from an outside agency. 

I escalated a case with them and they claimed it wasn't income, but I consistently make $ XXXX {$1000.00} per month in income from online gambling. 

I was looking for a new bank to start a relationship with, but they seem to be typical XXXX XXXX, always screwing the average XXXX. 

Please hold them accountable to do what they promised. 

Thank you.
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: EQUIFAX, 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 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for each claim. Thank you for your attention to this matter.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys
Consumer complaint received 2023-10-04
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. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

I took out a personal loan with MoneyLion in XXXXXXXX XXXX 2023 to pay some debts, I have always paid the loans payments timely, I was terminated from my employment and I was unable to collect unemployment where I was not able to pay timely, I HAVE ZERO SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX, XXXX XXXXXXXX, AND XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX. I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been XXXX XXXX XXXX along with MULTIPLE XXXX XXXX XXXX XXXX and an XXXX XXXX with a man for 6 years who repeatedly pushed me down the steps, XXXX XXXX, gave a XXXX XXXX due to him cheating with someone else outside of our relationship, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX due to this issue or perform during XXXX activity. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT THE LOAN BALANCE IS PAID IN FULL AND THIS ACCOUNT is REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY!!
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money (TX)

This company, Minto Money processed a loan for an unknown person ( s ) that used my name, email, phone and ss #. I talked to XXXX with Minto Money 's fraud person XXXX on the line ( they have the recording and so does XXXX ) and they confirmed that my name is not associated with the account Minto Money approved the loan on and sent money to. I also confirmed with the same parties on the line via my social sec number that I have no accounts with XXXX. Minto Money allowed a loan to go through with the wrong address and an account that is not mine.
Consumer complaint received 2023-09-20
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors. 

Furthermore, my social security estate was accessed by these creditors once I submitted my application. The Federal Reserve Act section 16 part 1 and 2 states that the applications are worth the notes applied for which should satisfy the debt balance and reflect as paid off in full on my credit report
Consumer complaint received 2024-04-09
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 am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (PA)

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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 seven 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-09
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. (OH)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}
Consumer complaint received 2024-04-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (WI)

approximately 3 months ago I placed a {$100.00} deposit on a new car with XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Wisconsin XXXX. 3 Months later on Saturday the XXXX I went to see the car and finalize all the paperwork and wrap up all the necessary documents. I ended up not being able to leave with the car because I needed a co-signer or {$10000.00}. Later that evening I obtained a co signer, my brother. Next morning I heard that the car I had placed a downpayment was sold from under me to a different customer. My credit was ran approximately to twenty different banks and they are populating on my credit report. XXXX, the finance guy was extremely rude when I was asking him to figure out if a lease was a better option. He was not interested in assisting me into trying to help me or see what he could do. I will not be back at XXXX XXXX moving forward and will also be filling a complaint with the XXXX against them. This has been by far the worst experience I ever had. Was not welcomed and was not friendly at all. 10/10 would NOT recommend. 

** this is NOT the way to deal with customers and this is NOT the way to deal with people trying to purchase a car. I felt like everyone just fed me lies from the start. General Motors should seriously look into this dealership from top to bottom.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. 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
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (IL)

MoneyLion fraudulently closed my account on XX/XX/XXXX, confusing my account with my daughter 's account as we share a phone number. She reported her account as opened fraudulently and asked MoneyLion to close the account and investigate. MoneyLion then sent me an email, stating that I asked for an investigation, which I never did, and that my account was closed, per my request, which I never requested. Of course, they never sent my daughter an email as they did not investigate properly or correctly. MoneyLion clearly mixed up my daughter and I despite being completely separate individuals with separate SSNs. This company is completely unprofessional, messy, and has the worst and most incompetent customer service - I waited on hold for hours where their " customer advocates '' purposely would not call by phone and refuse to address this issue. They are now holding all funds on my account, threatening to send all to the state as they can not return the funds. This is not proper bank behavior- they should be requesting my bank account information to return my funds and the rewards I earned under their terms.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I went over the limit on my credit card by mistake. I paid extra XXXX bucks added to my monthly payment of XXXX then I turned around and paid additonal XXXX to bring the account down. they keep charging me XXXX fee for something i already paid for causing my balance to go negative for more than amount owed. 
They also implemented automatic deduction, I never agreed to that. 
What they did is try to deduct {$60.00} 2x ( from which I already ) Paid. Since bank returned, because I called bank and refuse to pay what I already paid. Then they add an additonal XXXX buck to my credit limit because it looks like I didn't pay and each time I try work with these people, either, I'm discounted by them or have to hang out and wait for then to response. I just want the bogus XXXX removed from my credit line and deleted as it supposed to be, especially since I paid extra! These companies are rippig us off.
Consumer complaint received 2022-11-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts removed immediately : 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 2023-11-17
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX