davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

This past XX/XX/2022, my personal bank account with PNC XXXX XXXX group was hacked online. During the time my account was hacked, I was not able to communicate with PNC bank and neither was PNC bank able to communicate with me. I did not receive any alerts or notifications during the online hack, after 60 days of internal fraud investigation with PNC bank and a police report with XXXX Fl police. PNC bank is now sending me letters notifying me that I owe PNC bank {$9300.00} and that I should receive more notification letters with more amount that I owe them. 
I had in my bank account {$3700.00} that was to pay bills, I never received my money after the investigation and I was not able to pay my bills on time due to. I am trying to take PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX to small claim court. For I am not responsible to pay back PNC money that was stolen out of my control. I banked with PNC for 9 years and never had a problem. The first time my account ever got online hacked and instead of PNC bank helping me, they confiscated the money I originally had in my bank account before the online hacking. I need help with getting my money back and not having to be responsible for paying PNC bank money that was not my fault taken from my account.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

Closed and paid in full by early XX/XX/386 Toyota Financial I have a XXXX account balance and the title of the vehicle they sent after I was paid off at the beginning of the month to prove it.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (MI)

Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, Equifax, XXXX and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, Equifax and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, XXXX reported XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I was trying to purchase a home, when I was informed that I was denied. Because I had a debt from XXXX XXXX in collections. 
So I contacted them to try and fix the problem. The debt collector and I negotiate a settlement agreement. To where, if I paid the debt collection it will be removed/ deleted from my Credit Report. 
After 24 hours of the payment, I still havent received a receipt of the payment or proof of a letter for deletion. My credit report, it still shows the full balance, As if I havent paid at all. 

According to the 15 U.S.C 1681 Law. There shouldnt be any damages on my report thats a decimation to my character.
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (AR)

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Consumer complaint received 2022-12-07
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. (GA)

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-29
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. (ND)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX  XXXX XXXX : {$830.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

In XX/XX/2024 I opened up a contract with XXXX rental agency utilizing my debit card to complete the transaction. A pre authorization hold of {$500.00} was placed on my debit card. As I extended my rental more pre authorization holds were placed on my account. I called both XXXX and the bank to ensure that I would not be double charged for funds that were already pulled from my account that I could not utilize while they were on said hold. I was told by a SOfi banking representative that once the car is returned the authorization holds would be pulled and utilized towards the bill from XXXX. I returned the vehicle on XXXX. On XXXX I noticed my bank account was negative {$1300.00} the exact balance plus {$300.00} that was put on authorization holds from XXXX and the bank. It has been XXXX  days since one hold has been released. When I contacted SOfi they told me there was nothing that they could do that they could not release pre authorization holds. There was an issue with at least one transaction where I did not approve of the amount. Im now forced to wait until the end of XXXX before I can dispute that transaction. Ive used XXXX different debits cards and never had to wait more than 7 business days for the pre authorization holds to be released. Now my account is- {$1300.00} ( {$1300.00} thats sitting as a hold on the account mind you After filing a complaint already I received a pre written response, the same response that I had gotten from multiple agents at the banking center before my complaint was closed with no action or answers. XXXX has stated multiple times that they are not responsible for releasing funds it is up to the bank. This is insane that a company can keep funds for over 40 days once a contract has ended, and admit to doing so without any repercussions. So-fis response states that they would release the funds once the authorization was lifted and XXXX is saying it has been lifted so clearly no one is communicating properly or willing to actually do any investigation
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-29
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. (LA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
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. (FL)

Credit Reporting Agency Experian continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company, " Transunion ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXX is one of my favorite XXXX. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (NY)

I have a closed account with XXXX XXXX They have reported false late payments. I have asked Transunion, XXXX and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with Transunion and XXXX. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CT)

The XXXX card was processed by XXXX  XXXX XXXX. Last month the processing was changed to a company called " Comenity ''. The card does NOT work everywhere. I was embarrassed at The XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX just in the last 2 days. 

Both XXXX and Comenity said that is the way the new card works. It is only working if the terminal of the vendor uses the " CHIP '' technology. 

This was never given as a warning to all customers, and I think it is a very bad customer service issue for all. 

Thanks for any assistance.
Consumer complaint received 2023-01-06
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. (NV)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXAccount number - XXXX XX/XX/XXXX XXXX XXXX Account number - XXXX XX/XX/XXXX 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 handwritten instructions.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Background : My credit score is over 800 and my credit card applications are always approved. I also have a checking account, savings account, and credit card - all with Wells Fargo. 

On XX/XX/23, I applied for the Wells Fargo XXXX XXXX XXXX XXXX. Application Reference # XXXX On XX/XX/XXXX, Wells Fargo informed me that they needed me to fax them a copy of my ID and two proofs of address to them. The Wells Fargo phone representative confirmed that my other bank credit card statements were acceptable proof of address. On the same day, I sent Wells Fargo a copy of my driver 's license and credit card statements from two banks. 

On XX/XX/XXXX, Wells Fargo informed me that they actually needed non-credit card bank statements. Wells Fargo would not accept my credit card statements as proof of address, contrary to what was told to me on XX/XX/XXXX. 

On XX/XX/XXXX, I faxed Wells Fargo my driver 's license and two sets of my bank statements- one from XXXX  XXXX XXXX and one from XXXX XXXX. 

On XXXX, Wells Fargo informed me that they had accepted my ID and XXXX  XXXX XXXX statements. The Wells Fargo representative claimed that the XXXX XXXX statement was unreadable and requested another bank statement. 

On XXXX, I faxed Wells Fargo my bank statements from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo informed me that even though they had successfully reviewed my XXXX XXXX bank statement, they could not approve my application. The Wells Fargo representative suggested that I send over a utility bill. 

Wells Fargo requested two sets of my bank statements as proof of address in order to approve my credit card application. Wells Fargo successfully received and reviewed my bank statements. 

Since I met all of Wells Fargo 's requirements including my 800+ credit score, I believe Wells Fargo is discriminating against me by refusing to approve my credit card application.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-12
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: AMERICAN EXPRESS COMPANY (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : American Express XXXX XX/XX/2018 I have a letter from American Express stating the account was opened fraudulently I also a police report and a FTC REPORT. 

Please remove the American Express account from my XXXX and XXXX reports.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CO)

This debt collected is calling me on No caller ID 4-7 times a day. They call on sundays even. They call constantly all day everyday. Then they call with their number showing. Ive asked them numerous times to stop but they wont. Its comenity bank for XXXX and XXXXXXXX XXXX This has started on XX/XX/ and has not stopped. I cant even sleep and rest.
Consumer complaint received 2017-01-25
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Select Financial Services, Inc. (NY)

XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME