davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NY)

On XX/XX/XXXX I made a contribution to my XXXX  account. This contribution was initiated from my XXXX checking account for the amount of {$220.00}. The money left my XXXX checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my XXXX checking account, and is missing. 

On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my XXXX checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. 

That same day XXXX opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. 

On XX/XX/XXXX, I faxed a letter to XXXX and to XXXX detailing the events. 

On XX/XX/XXXX, XXXX confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to PNC bank and call me back in XXXX business hours. No call was received. 

On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from PNC and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. 

XXXX representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX account. XXXX has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.
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. (NJ)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 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 15 U.S.C. 6802 ( A ) ( 1 ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2024-01-11
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. (VA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting verification of the following account that TransUnion continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
Consumer complaint received 2022-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent the consumer reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (AL)

I was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained ina consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (VA)

I applied for and was granted the Barclay Luxury Gold Card in XX/XX/2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under XXXX benefits for XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} - stating that their policies were not in line with XXXX policy. They also said that Luxury Card - the third party brand - was losing out on money that it forced Barclay to start charging the annual fee again to keep the connection with Luxury Card. Either way, this is extremely unfair to numerous XXXX military members who got the card knowing the annual fee would be waived. For example, one may have put {$5000.00} down for a car at 0 % interest, and now has to pay off that balance and close the card, or be stuck with another {$990.00} annual fee. As a military member who received this card and the waived annual fee benefit, I feel that I should be grandfathered into what they originally offered -- i.e. no annual fee, no administrative fees, and 0 % interest.
Consumer complaint received 2024-01-11
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. (LA)

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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

ACCOUNTS : 1. Creditor : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor.

There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.
Consumer complaint received 2022-12-21
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. (NY)

This to me is crazy. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they ignored these documents. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I had a small business ( XXXX XXXX  XXXX ) and had four customers finance their purchases via XXXX. These four customers signed a contract with XXXX promising to make payments with interest, I delivered and mattresses and XXXX send me ACH payments with the customers names on the payment. 

Chase bank froze these four payments and are holding them saying they need in-person confirmation from the four customers that they made this payment. BUT they did not make the payments, the payments were from XXXX with just the customers ' names for reference. 

My Chase Branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Departments : Chase Mortgage Hours : Open Closes XXXX More hours Phone : ( XXXX ) XXXX XXXX info Customer Support Mon-Fri XXXX XXXX Sat XXXX XXXX  XXXX XXXX Business Support Mon - Sat : XXXX XXXX  Sun : XXXX XXXX 365 days a year XXXX
Consumer complaint received 2023-10-02
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 submitted a letter to the XXXX Credit Bureaus to update 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 againXXXX XXXX XXXX XXXX  Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Consumer complaint received 2020-08-09
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-11
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. (NC)

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 2024-01-11
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. (MO)

I am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. 

Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my credit score and overall financial health. 

I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-01-11
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. (CO)

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 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 2022-12-21
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: Affirm Holdings, Inc (AZ)

On XX/XX/22 i was denied services by Affirm. In this denial it stated that i was denied due to payment history with Affirm. Yet I have an impeccable payment history with them nothing has every been late and everything has been paid on time. It also stated I was denied for Credit utilization, historical loan delinquency, and number of recent credit inquires. Now according to section 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

This is a direct violation of my consumer rights. Affirm did not protect me against unauthorized use of my consumer report because I never gave permission to them to utilize my report. This denial had also caused substantial harm and has inconvenience me since i was denied for using my no public information to make a judgement against me that i was unaware of.