davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (VA)

Only on my experian report there are few problems which i tried to fix from last two years and its not fixed as of not. 
four accounts which are not mine and experian doesnt let me dispute 1. XXXX XXXX XXXX XXXX every month is XXXX, XXXX XXXX says i dont owe them anything and they are not reporting 2.XXXX XXXX XXXX XXXX of XXXX acoount isnt mine and need to be deleted 3.XXXX  XXXX XXXX have wrong information and experian doest let me dispute 4. United State Senate XXXX  account has lot of wrong information from last 5 years and exprian doesnt let me dispute to correct. 
5 only name i use is XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX. 
experian doent want to fix it only address from last 12 years i use is XXXX XXXX XXXX XXXX va XXXX and experian doesnt want to correct these information too
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (CA)

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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, had 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 with out my written instructions.
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (GA)

I took out a loan with Rise credit in XXXX of 2021. Ive been just allowing an auto draft and decided to check the amount owed and why this loan is not paid off. I checked my account and realized Ive made 28 payments in the amount of XXXX and 4 payments in the amount of {$87.00}. This totals {$5200.00}. My loan amount was for XXXX. Not only are they overcharging, but the balance on the loan amount still shows XXXX! I refuse to believe this is a mistake after reading other complaints from consumers who utilized this service on XXXX This is intentional and disgusting. Im willing to take this so far. I expect my money back in my account, my account standing to be paid in full on GREAT terms, and this to be resolved immediately. This is really sad because it is indeed intentional. You all should really do something about this company! These arent lies from consumers and I have all the proof drafting out of my account as well as screenshots and videos of my balance. I have everything! My lawyer will take this to the extreme, honestly.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
TRANSUNION VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ TRANSUNION KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
TRANSUNION LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING TO XXXX  XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. TRANSUNION COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I incurred {$640.00} in insufficient funds fees in 2022, {$66.00} in XXXX, and {$230.00} in XXXX. I have called several times and spoken to representatives about getting the fees reversed. I was told by one person that they would submit a request for the reversal of the fees but the reversal was denied. I then called again and was told that I get six reversals a year and that I have already used those six. I have spoken to a " supervisor '' on one occasion and told there were not supervisors available on another.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-02
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NJ)

I had XXXX in XXXX of several accounts I had with PNC bank. On XX/XX/23 I got a letter stating that they were closing this account do to inactivity, I called immediately to see if I could fix that by using the account or transferring the money to my saving or checking etc. This was an account I had to save money that I did not want touched I did not know I needed to do something with it. When calling I was told the money would be sent by cashiers check, i was unhappy with this because it's not safe with our current mail system they said it was to late to transfer. I didn't understand how they could do this and I was told they were choosing not to do business with me any longer. I said so are closing the other XXXX account in my household. She said no just this one. On XX/XX/XXXX I called back because I still have not received the check. I was then told by PNCthat they did not send the money to me and they could give me no further information, that at this time they were choosing not to do business with me I have other accounts with my day to day stuff in it. I work my XXXX off to have this money just vanish. No-one is helping me at the bank and won't tell me where the money was sent I owe no-one money All my accounts are in good standing I own my car I have no collection agency calling I don't " know where my money is.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Since late last year I have had trouble with the incompetent grifters at Truist Bank. First they refused to pay a promotional amount as contracted, Finally paid after CFPB was contacted. Second billed the account erroneously for over {$3000.00} and took 3 months to semi-remediate it. CFPB has marked the matter closed when really it isn't. The bank capriciously removed {$120.00} from my checking account by means of a double charge. When caught they did not return it to the checking account it was stolen from. They listed it as a credit to the credit card account. I after waiting for the bank to correct the latest in a long line of mistakes, sent the credit to my checking account and now have been billed {$10.00} for taking MY MONEY and putting it where it should correctly be.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/2024, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX {$430.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2023-02-17
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: LEXISNEXIS (NC)

On the XXXX of XXXX my Data was Furnished without my consent, Via emailed copies to XXXX XXXX, and Lexis Nexis. This is a violation of my privacy, 15 U.S.C 1681 section 602A. 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.
Consumer complaint received 2023-07-29
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. (AR)

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by TransUnion, XXXX, and XXXX. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX I put a downpayment of XXXX on a whiskey mink coat at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Il XXXX. I would than make several more payments on XX/XX/XXXX for XXXX, on XX/XX/XXXX, XXXX made another XXXX debit card transaction on XX/XX/XXXX all of my payments were made with my BOM Mastercard debit card. Then on XX/XX/XXXX I paid the remaining amount of XXXX. That coat was paid for on that date and an appraisal was typed up and I was to pick up the whiskey mink coat on XX/XX/XXXX. However, I saw a black sheared mink with chinchilla collar. So, I canceled the whiskey mink and the appraisal document was given back to the merchant. 

I had to pay an additional XXXX. The merchant said that he didn't know when he would have the coat. This he said after he debit my account. It was a special order. Not knowing when I would receive my coat, I returned several time and each time no coat. So after 28 days I filed a dispute with the card issuer, BMO Harris. After 40 days, they denied me a chargeback on XX/XX/XXXX. 

The bank denied me a chargeback because the merchant showed videos of me paying with my debit card. I was paying on the layaway but I never received the coat. I never signed the space on my copy of the receipt date picked up line. I never signed an appraisal for insurance purposes. I never told the bank that it was fraud, but I did tell it that I never received the coat totally XXXX. I have the unsigned receipt showing the money amounts and a unsigned pickup date. Please address my concerns.
Consumer complaint received 2023-06-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$990.00} XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}