davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TN)

A fraudulent application was submitted in my name to American Express, seeking approval of a XXXX XXXX XXXX American Express Card. A " hard inquiry '' was made with the credit bureaus in my name ( albeit my last name was misspelled ) on XX/XX/2023. I received a notice letter from American Express dated XX/XX/2023 notifying me that the application was declined ( so an account was not opened ), but the credit inquiry does appear on my credit report. I notified a credit and identity monitoring service that I use of the fraudulent application on XX/XX/2023. In follow-up communications with a restoration specialist, I had a fraud alert placed on my credit reports. On XX/XX/2023, I reported the fraudulent application to my local sheriff 's department, and contacted American Express to request that they note the application as fraudulent. American Express confirmed that the application was denied and that no account has been opened, and that they are marking the application as fraudulent.
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Consumer complaint received 2023-09-01
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-29
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 I was Sent me {$3000.00} via XXXX from a clients Bank of America account number. 
I was not registered with XXXX so when we contacted XXXX the next day they said the money would go bank to the sender within 14 days. 
The money never went back to him he opened a claim with Bank of America but they denied stating that I did in fact receive the funds. 
It is over a year and we have heard every story and Bank of America refuses to tell us what account this credited. They have also told us that the account was closed but neither the sender or I have received our funds.I have additional letters to support. THere reject response is an outright lie as I never heard from them and I have not received the funds.Cleraly XXXX is registered to my email by the email I received from his bank stating the money was sent.
Consumer complaint received 2022-12-05
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. (NC)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2.

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS
Consumer complaint received 2024-03-05
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. (PA)

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.
Consumer complaint received 2023-06-27
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. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that the accounts and information listed below cease reporting on my consumer report immediately. This action is in direct violation of the FDCPA and FCRA, and it is essential that these accounts and information be promptly deleted and removed from my consumer report. Please ensure the immediate removal of these accounts and information.
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: EQUIFAX, INC. (PA)

I wrote equifax months ago about XXXX XXXXXXXX XXXX account they removed it from the credit report then added it back. The company didnt supply me with a reply within the 30 days required and now is reporting the information again. The investigation seemed to not be up to par with fcra requirements and they failed to respond with ANY reason over the phone.
Consumer complaint received 2023-07-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (TX)

I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from CashNetUSA as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.
Consumer complaint received 2022-11-30
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. (LA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

Received medical treatment on  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  in  XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated  XXXX / XXXX / XXXX . I called the medical center directly on  XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in  XXXX . Informed me they were sent to my current address of  XXXX   XXXX   XXXX ,  XXXX  OH. The problem is this address has only existed for mailing since  XXXX   XXXX  as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to  XXXX  or actually use my real prior address I provided to them,  XXXX   XXXX   XXXX ,  XXXX  OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency.   XXXX   failed on billing and is the responsible party to correct the issue. I am dealing with   XXXX   and not the collection agency. I expect   XXXX   to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then  XXXX  needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners,  XXXX  TX  )  is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need   XXXX   to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at  XXXX  should not be refusing to answer my question on an issue they are at fault.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Back in XXXX XXXX. I was getting XXXX money. I had pre payed card from one of the institutes that New Jersey XXXX deposits the money. I am trying to explain to this bank that I put wrong information. Instead of my bank routing number I put my deposit slip routing and money was never transfer to my account.the money will never go thru, they need to refund the money to the pre payed card so I can put correct informations.I went to XXXX XXXXXXXX XXXX seat down with the manager she searched up the transaction and she did not found anything. She wrote a letter stating that money was never deposit to my personal account. I keep calling them about this matter and nobody is helping me. I send them proofs and they still denying it. If I would get those money ( XXXX ) I would not fight with this bank for past 11 months. Please help me to get my money back so I can transfer them to my appropriate account. Thank you
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2022-11-30
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts 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. 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MI)

Hello My complaint is regarding PMI removal.

I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. 

in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 

1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %.

2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. 

I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. 
However they still denying my request, saying that I have not made any improvements. 
The question is, what else is considered improvements for a brand new house. 

I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. 

I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. 

thank you XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my deep frustration and disappointment regarding the repeated failures to address the issue of fraudulent items on my account. Despite making three previous attempts to rectify the situation, the problem persists, casting doubt on the effectiveness of your fraud detection and resolution processes. 

The continued presence of these fraudulent items not only undermines the integrity of my account but also poses a significant risk to my financial security. Moreover, the prolonged delay in resolving this matter has caused undue stress and inconvenience. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including seeking assistance from relevant regulatory authorities and consumer protection agencies. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.