davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (PA)

On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (OH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-06
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. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}
Consumer complaint received 2023-03-04
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. (MD)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX : {$3000.00}. XXXX XXXX XXXX : {$2900.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-07-29
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. (CA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (TX)

An apartment complex, XXXX at XXXX in Texas, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX used the tenant/rental screening service Safe Rent Solutions to determine eligibility for lease approval. In their report Safe Rent advised XXXX to DENY the application based on the credit score they claim to have received from the reporting agencies. The score Safe Rent Solutions claimed returned to them was XXXX which was below the threshold of a minimum of 460 to be approved. By my actual credit score was XXXX at the time. This false report caused me to be denied a lease on my own credit and was used to force me to bring on a pre approved cosigner with an agreement already established with XXXX, whom I had to pay an additional {$3000.00} for the service, just to get into the apartment.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

This problem has to do directly with PNC Bank and their policies. I have been a long term customer of PNC Bank for approximately 6 to 7 years. I reached out to PNC Bank a day after noticing I had accidently overdrafted my by about {$8.00} with 2 transaction and immediately sent payment to cover the overdraft as soon as I possibly could. I was still charged a {$36.00} overdraft fee. I reached out asking if they could waive the fee but was told that I would " have to wait til XXXX '' for my next overdraft fee waive. So I filed an official complaint against the overdraft fee so that it could be reviewed. 

PNC abides by it's mission statement that " for more than 170 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals. We are proud of our longstanding history of supporting not only our customers but also our communities, employees and shareholders. '' Personally, I do not believe that taking funds from customers who lend and trust a bank with their money, while the bank provides little to no benefit to their customers is a sound form of banking in today 's more modern world. In XXXX alone, PNC raked in nearly {$270.00} XXXX in overdraft fee revenue ; to clarify that would be over XXXX customers that PNC Bank was able to profit of off. I don't see how this helps PNC customers to " meet their financial goals '' as the company claims in its mission statement.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I Have Been Sending Letters to Transunion for the Past 10 months to Remove an Account that isn't mine the Account is XXXX XXXX XXXX XXXX' I have never did any business or have had an account with them Transunion will not investigate and provide and documents from this company they have held me up from getting financing for a home for my family
Consumer complaint received 2022-11-29
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. (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. 
Account Name : XXXX XXXX, Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
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. (MD)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-04
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. (MA)

I am writing to contest the presence of hard inquiries listed on my credit report, as detailed below. These inquiries were conducted without my knowledge or consent, and I am formally requesting their immediate removal from my credit file.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/XXXX, XXXXOpened a XXXX exchange account with instructions from Person 1 XX/XX/XXXX, XXXXWaiting on funds transfer {$3000.00}. {$2900.00} made it to XXXX  account from XXXX Person 1 instructed me to open XXXX account XX/XX/2022 Trying to withdrawal funds from XXXX money was pulled from USAA personal banking instead of depositing money. I was getting sent in circles by both Person 1 and Customer Service on pulling the money out. When they asked why I explained it was because the trading platform XXXX was not able to use the funds. While getting instructions from Person 1 and Customer Service from XXXX how to transfer money from XXXX back to USAA personal banking more money was withdrawn from my USAA personal bank account in the amount of {$6000.00}. Quickly this money was depleting. This totaled {$5800.00} in XXXX. Money kept dropping each day down to {$5700.00}, {$5600.00}, {$5500.00}, {$5500.00} XX/XX/2022 My money in XXXX was still frozen and was in the amount of {$5300.00}. The 2FA security was having problems with the transfer. Each time the transfer was rejected. 
XX/XX/2022 USAA personal bank had a credit of {$2900.00} XX/XX/2022 Person 2 explained that it could be because of the amount that was in the account. Person 2 encouraged that I use a better platform and that I transfer {$10000.00} to XXXX. 
XX/XX/2022 money is transferred back to USAA XXXX bank from XXXX due to it being the wrong platform. It was supposed to be XXXX. 
XX/XX/2022 money is transferred to XXXX in the amount of {$10000.00} I was able to use {$26000.00} to invest with under the instructions of Person 2. 
While getting instructions when to trade I was able to increase my funds to {$48000.00}. After fees were drawn the amount decreased to {$45000.00}. 
XX/XX/2022 money is wire transferred from XXXX back to USAA personal bank account due to unforeseen circumstances. Person 2 was not happy but she was willing to help with the withdrawal process. That same day during a trade on XXXX a deal CLOSED without my approval dropping my funds % 100.7 % even though the market did not reflect this drop.
Consumer complaint received 2023-03-04
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. (MO)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-03-04
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX I - XX/XX/XXXX
Consumer complaint received 2023-03-04
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I tried to purchase a new vehicle and because of a false collection and fraudulent inquiries on my credit report I was demo. I have reached out to all three credit agencies about removing the said collection and hard inquiries but the these items still exist on my credit report
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One reviewed my XXXX consumer report as a " Promotional Inquiry '' on XX/XX/2022. On or about XX/XX/2022 I received a PRE-QUALIFIED Offer in the mail for a Capital One Walmart Rewards Card. I applied and was denied via an Adverse Action letter that was emailed to me on or about XX/XX/2022. Also on XX/XX/2022 Capital One obtained information from my XXXX credit file. I mailed Capital One a certified letter on XX/XX/2022, to request a copy of my application, to address inaccuracies in their reasons for denial and to request the specific criteria used for pre-qualification. I have not received a response from Capital One. In addition, Capital One willfully failed to comply with 15 USC 1681m ( d ) ( 1 ) in their written solicitation which is an unfair and deceptive act enforceable by the Federal Trade Commission, 15 USC 1681s.
Consumer complaint received 2023-03-04
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-16
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)

This is my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NE)

Within the last couple weeks, I attempted to refinance my home mortgage. My lender ordered an appraisal of my home ( at their direction and expense ) and was subsequently unable to approve the refinance. I have owned the home approximately 21 months and made timely payments with my lender throughout. The appraisal verified that my current XXXX is less than 75 %, but I am told they still " can't '' remove the PMI on my loan. I would like to appeal this and have the PMI removed.
Consumer complaint received 2024-03-04
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. (CT)

I am writing to dispute unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be unauthorized. These inquiries are not associated with any applications or transactions I initiated.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.