davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

I was trying to book a wedding venue, called XXXX XXXX in North Carolina. The only form of payment that they would accept was XXXX XXXX or XXXX pay. I downloaded XXXX XXXX and tried to send her the deposit of {$250.00} on XX/XX/XXXX. While entering her name of $ XXXX, I received a text message while typing XXXX XXXX and it stopped and I sent the {$250.00} to a stranger that I do not know. I instantly tried to cancel the transaction and XXXX XXXX would not allow me to do so. I also tried to request the {$250.00} back from that person and I receive an error message that reads " We are unable to request cash from XXXX. Please contact them and ask them to send cash instead. '' I contacted XXXX XXXX support on Monday XX/XX/XXXX to tell them what happened and they said because it's an instant transfer they can not cancel it, and I would need to contact the person and ask for money back, since I do not know that person there is no way to do that. I reached out to my bank XX/XX/XXXX when funds cleared and disputed transaction. On Sunday XX/XX/XXXX I recieved a letter stating claim for dispute was denied. I have called them Monday XX/XX/XXXX requesting a reason why and complaint, they stated someone would call me back. Never received any phone call and on XX/XX/XXXX funds were back withdrawn my account and also charged me two fees. I reached out to PNC bank again and told them if not protected against this kind of fraud to close my account.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im 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. ) XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$18000.00}.
Consumer complaint received 2023-05-16
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. (IN)

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

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-11-25
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXXXXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-08-16
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. (WI)

In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I deposited an estate settlement payment in the form of a cashiers check to Chase bank. They are holding the entire amount for 10 days. They are releasing none to me. I contacted them to see what the hold up is and they are saying they havent received it. The teller in bank said it is possible that the hold can be released early. This was a lie. They are internally holding funds from me.
Consumer complaint received 2018-04-26
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. (CA)

>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-08-16
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. (GA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2022-11-03
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. (SC)

I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to Experian, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX  in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Consumer complaint received 2022-11-03
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. (SC)

I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and Transunion further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. 
I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. 
if this can't be provided then I request the collection be taking off my account or I will take legal actions
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account Number : XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having multiple problems with Transunion that I want fixed so I can pursue a new student loan. 

1 ) An incorrect collection is being listed on my report from XXXX XXXX XXXX. XXXX wrote Transunion asking for it to be deleted, Transunion has not deleted this tradeline. 

2 ) a XXXX credit card account from 2011 is being listed twice - one incorrectly with a 60 day late. Not only is this past the DOFD, but XXXX XXXX has acknowledged that they do not recognize that account. It has not been deleted. 

3 ) Transunion has locked me out of online disputes. They said to call them to reopen it. I called an agent at Transunion a few weeks ago who refused to unlock my account. They are trying to keep me from filing disputes for inaccurate information on my report!
Consumer complaint received 2023-05-17
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. (MI)

I submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.
Consumer complaint received 2022-11-03
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. (NJ)

I have called & mailed letters to XXXX XXXX Experian about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.
Consumer complaint received 2023-05-17
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. (TX)

This is my Follow-up 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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than XXXX  days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's 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 deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.