davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I opened a HELOC in XX/XX/XXXX. When I got the HELOC, I was told that in order to reduce my rate and get an autopay discount, I needed to enroll in autopay through a PNC checking account. When I opened the PNC checking account, I was told that there would be no fees charged for maintaining the account as long as money was being automatically deposited into the account and i was using that account for autopay for the HELOC, so I opened the checking account, started depositing {$500.00} per month into the account ( automatically from another non PNC checking account ) and when I drew on the HELOC, I setup autopay from the PNC checking account, to ensure I would get the discount on my HELOC rate. 

I noticed a {$25.00} " Monthly Service Charge '' withdrawn from my pnc checking account on XX/XX/XXXX. I reached out to PNC via their chat function on XX/XX/XXXX to ask why I was being charged this fee. I was told that the requirements for the account were changed in XXXX and that if I didn't want to be charged a monthly service charge I would have to meet certain criteria for use of the account or I could change to a different type of checking account and meet the " lesser '' criteria of that account type. However, I don't meet the criteria of either checking account type and so, I was told that I will regardless be charged a monthly service charge. 

This is completely unfair and deceptive. Part of the reason I got the HELOC with PNC was because I would get the autopay discount and was told that in order to get that discount I must setup autopay through a pnc checking account, but that I wouldn't have to pay any fees. I was never told that this could change and I would ultimately need to actually pay ( through the checking account monthly service charge ), in order to get the autopay discount. 

XXXX the chat on XX/XX/XXXX, pnc did provide a " courtesy refund '' of {$25.00}, but made clear that this is a one time courtesy and would not change anything about the maintenance fee.
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: First Associates Loan Servicing LLC (VA)

I went to XXXX XXXX and that school shut down due to Fraud. My Degree in XXXX XXXX is worth nothing to me since we didn't learn anything. Our professors and teachers gave us the answers to all of our exams. Everyone in our class always passes with great numbers. I don't anyone ever got a C in any of our classes. everyone passed with an A or a B at most. I am now stuck with a huge student load and not working in the field I went to school for. It's like I took out a loan for absolutely no reason. 
I am the only one working in my household and supporting XXXX kids, wife and a Grandmother. I do not have the fund or make enough money to make this monthly payment. I have spoken to the company who holds my loan and told them my situation. They have not done a single thing expect gave me a 2 month deferment and then raised my monthly payment. If I couldn't afford the original payment how can I afford a higher payment. 
I need some help and any help world be highly appreciated by my family and I Thanks,
Consumer complaint received 2022-12-13
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)

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 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX 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 XXXX XXXX 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 XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Transaction posted on XX/XX/XXXX with merchant XXXX for {$2000.00} Contacted XXXX Support on XX/XX/XXXX to cancel reservation, support agent stated that XXXX issued credit for the full amount of {$2000.00}. 

Disputed transaction on Bank of America, claim was denied. 

Disputed transaction again, with screenshots of conversation with support staff, claim was denied again.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CO)

CITIBANK is Not showing up in my XXXX and XXXX and XXXX Aren't showing my Citibank card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, XXXX and XXXX Keep claiming its citibanks fault for not reporting and when I call citibank they Claim that they Are reporting my citicard and that is not true as my credit report reflects missing my citicard in XXXX and XXXX. When I called citibank they told me that I requested my citicard be removed and that is just not true why on earth would I want my oldest CreditCard Citibank to be taken off my credit history!? CITIBANK claimed they don't report to XXXX qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XXXX to XXXX at one point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below 10 % and pay my cc off to XXXX  every months. still citibank is refusing to cooperate with me in regards to their lack of Reporting my PERFECT credit history to XXXX And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing 1 credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Balance : {$370000.00}
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: Experian Information Solutions Inc. (CA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
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: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  XXXXXXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}
Consumer complaint received 2022-12-13
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: Bread Financial Holdings, Inc. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX credit cards : late payments reported XXXX XXXXXXXX : Late Payments reported XXXX : Late Payments Reported
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster Bank Subject : Unauthorized ATM Withdrawals and Unsatisfactory Resolution I am writing to formally express my concern and dissatisfaction regarding unauthorized ATM withdrawals from my account that have occurred throughout XXXX XXXX over the entire year of XXXX up until XX/XX/XXXX. Despite my efforts to resolve this issue, the response from Webster bank has been profoundly disappointing. 

On XX/XX/XXXX ], while attempting to make a payment on my cell phone bill, my transaction was declined due to insufficient funds. This prompted me to review my account activity, where I discovered that numerous unauthorized withdrawals had been made from ATMs in XXXX XXXX. At the exact time my payment was declined, another withdrawal was processed, further depleting my funds. 

I want to make it unequivocally clear that I did not approve or have any knowledge of these transactions. It is evident that an unknown individual has been fraudulently accessing my account. Despite this, when I contacted Webster customer service department, I was met with a dismissive response, essentially being told " tough luck. '' This level of service is unacceptable. As a customer, I expect my bank to safeguard my assets and take swift, effective action when fraud is detected. Instead, I have been left vulnerable and without recourse. I am requesting an immediate and thorough investigation into these unauthorized withdrawals. Additionally, I expect a full reimbursement of the stolen funds and a review of Websters security measures to prevent such breaches in the future. 

I trust that Webster Bank will address this matter with the seriousness it deserves and provide a resolution that reflects your commitment to customer security and satisfaction. Failure to adequately resolve this issue will leave me no choice but to escalate my complaint to the relevant regulatory bodies and consider legal action. 

Please acknowledge receipt of this letter and provide a response outlining the steps that will be taken to rectify this situation. 

Sincerely,
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX FED XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-13
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. (PA)

Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to TransUnion on XX/XX/2022. XXXX XXXX also reported this to XXXX and XXXX on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXX XXXX FOR XXXX XXXX XXXX. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party XXXX. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX violated XXXX of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.
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. (NY)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent inforamation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shall block 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.
Consumer complaint received 2023-08-10
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)

listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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.