davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

MY NAME IS XXXX XXXX XXXX XXXX, I AM THE XXXX  OF THE XXXX XXXX XXXX XXXX XXXX XXXX. I AM MAKING THIS CLAIM BECAUSE ON XX/XX/2023 I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$20000.00} INTO MY PNC CHECKING ACCOUNT BANK BUT IT HAS BEEN A LONG TIME SINCE THAT DEPOSIT AND THE BANK STILL HAS NOT DELIVERED ME THE FUNDS, I CALLED THEM AND THEY ONLY KNOW HOW TO TELL ME THAT THE ACCOUNT IS UNDER REVIEW, PLEASE DEMAND CLOSE MY CHECKING ACCOUNT AND SEND ME THE FUNDS TO MY MAILING ADDRESS WHICH IS IN MY CHECKING ACCOUNT.
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX OF 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. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Balance : {$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. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX
Consumer complaint received 2023-08-31
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. (SC)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-01-04
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. (OK)

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX XXXX XXXX XXXX  OPENED XXXX 2.-XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
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. (SC)

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 {$430.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-04-21
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. (MI)

In accordance with the fair credit reporting act the list of accounts below has violated my federal protection customer rights to privacy and confidentially under 15 USC 1681 I told XXXX, TransUnion, and XXXX to Reinvestigate these accounts. 1.XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX # XXXX 2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX However , they stated everything was complete and accurate but how is that possible if the opening date, date of last and much more is incorrect. According to15 U.S.C 1681 ( 5 ) They are supposed to modify accounts that isn't reported correctly or delete it. 15U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 It also states a consumer report reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliant with Metro 2 credit reporting I have evidence to prove my case.
Consumer complaint received 2017-05-16
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)

I tried to modify my loan in lat e 2015 thr ough  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late  2015 ha s reporte d 2 late paym ents both  XXXX  days late. I have never paid my mortgage more than   XXXX   days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Royal Pacific Funding Corporation (CA)

Hello, I was on a forbearance plan from XXXX, XXXX, and XXXX. I received a notification that my credit had dropped approximately XXXX points. I checked my credit the first week of XXXX and immediately contacted my mortgage lender. I requested a review on my account since I was told my forbearance was for 6 months. They stated they mailed me paperwork saying it was for 3 months. However, the mail was not certified and I never received it. I questioned why didnt they email me, they stated they dont email that information, yet she can now email me a copy of those documents and she did. I was told i can reapply for the forbearance extension but there is no guarantee it will be valid. I received the application a week later after that initial call. I filled out the application, I have followed up weekly on the status and today I was told they never received my application. I log onto their portal today and my application is in there, it doesnt allow me to submit an application because they already have one on file.
Consumer complaint received 2023-10-31
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. (WY)

This is the 3rd complaint I have filed with CFPB. Yesterdays ' complaint has not posted, and you have given Equifax 60 days to respond. Why? 
I provided Equifax with identity documentation on XX/XX/XXXX yet I received a second notification from XXXX XXXX informing me they denied my credit card application because Equifax could not verify my identity. 

I sent my passport, divers license, social security card, gas bill and WP-4 as proof of identity to Equifax on XX/XX/XXXX yet they still can not identify me? After sending all the requested documentation to Equifax, customer service sent a generic email informing me my credit score was low due to no revolving accounts and no long-term accounts which is false and a grievous error on their part. 

I have had a XXXX credit card for 16 years with a FICO over 800, a XXXX credit card for 3 years with a FICO over 800, paid off a loan of {$2000.00} in XXXX of this year, paid off an auto loan with XXXX Bank in XXXX a year early as well as mortgages in the past. XXXX and XXXX both use Equifax as well as XXXX XXXX, and XXXX so how can Equifax be so blatantly wrong and careless with this information? 

CFPB is supposed to protect consumers, but you do not instead you grant a pass to these companies and allow them to continue disrupting people 's lives. Allowing 60 days to respond when I have provided necessary identity documentation more than 3 weeks ago is absurd. I want this corrected asap. If CFPB does not direct Equifax to correct their errors promptly, I will take my issue to the IG and GAO.
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

NelNet had my loans prior to consolidation, when applying for XXXX they provided inaccurate count of 'qualifying ' payments made under changes with the program causing me years of payments that should count. Under NelNet and their 'automatic payment ' system which controlled their transaction dates that could not be altered, payments were being made and marked as late. They would also apply payments to select loan ( s ) and mark the others as late/not paid. 
While on deployment they completely stopped automatic payments, sent a new form ( which could not be received and faxed in as required at that time ) to reestablish automatic payments due to a " glitch '' after a system change/update. On return, receiving the communication and finding I was showing no payments made and multiple XXXX, XXXX, XXXX and 120 days over due on different loans I reached out to NelNet via phone. Customer service would not fix the late markings/count any payment as on time at all, nor restart income based repayment plan or automatic payments with out first paying all overdue amounts, multiple stacked service and late fees at once. 
Ineffective systems and servicing should not further adversely affect the payee but reflect upon a servicer.
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (TX)

This is to express my deep frustration and concern to follow up regarding the ongoing presence of late closed and charged off accounts despite our repeated attempts to rectify this issue. 

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 accounts in my credit file : 1. DEPTEXXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. DEPTEDXXXX XXXX* Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
8. XXXX XXXX Balance Owed : {$200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.
Consumer complaint received 2023-04-20
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — 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 2024-04-01
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. (CO)

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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Card was stolen on XX/XX/23 and over the course of 12 hours 10 transactions occurred that were unauthorized from 2 stores totaling {$420.00} the next morning i filed a police report and reported my card stolen. The company ( chime banking ) did nothing except Deny my claim.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXX  continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT