davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

My phone was hacked and stolen from me on or around XX/XX/2022. The thief got into my phone which contained my ATM pin in the notes of it. He was able to send {$1400.00} dollars to himself as he hacked in to my pnc+XXXX with my account info that was already saved in my phone. I started a dispute which was denied and not found in my favor. As I have now recovered my phone and changed my pnc log in info, I called again to explain to a representative that this isnt fair, I was hacked. The representative told me I had to verbally give my pin to someone. Well that it is not the case as it was saved in my phone that was hacked and stolen from me, I advised the representative of that. She said she would add it to my account notes as I asked them to please re-dispute this for me. I also asked to speak to a manager. I was transferred to her voicemail, left a voicemail, and never had a call returned to me. Im so upset and the loss of money affected me being able to pay rent.
Consumer complaint received 2021-01-05
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. (LA)

I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XXXX but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.
Consumer complaint received 2023-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I mailed a letter to Experian expressing my concern regarding a payment showing as 30 days late on my XXXX XXXX account from XX/XX/XXXX. I requested documentation proving this payment was in fact late, and if they were not able to provide, to update my account to paid as agreed, never late. I received an online alert that they verified the information and closed the dispute. However, this is not sufficient documentation verifying the supposed late payment.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I requested a copy of my credit from Annual Credit Report. Experian updated my credit report information on XX/XX/XXXX after I filed a complaint on XX/XX/XXXX. Through review I found that Experian failed to a stay in compliance with reasonable procedures to maintain the accuracy of my information on my credit report pursuant to the Fair Credit Reporting Act, 15 USC 1681e.

Not only did they admit to the inaccuracy of my previous information but they still display inaccurate information on my credit report despite making the " corrections ''. The inaccurate information could lead to adverse actions such as identity fraud and possibly more. By not maintaining the accuracy of my information they have willfully violated my rights under 15 USC 1681n, Civil Liability for noncompliance.

Accurate information is essential in regards to my financial health, well-being and protection as a consumer and they have neglected such matters with 14 counts of violations after the information was disputed and 4 that still remain on file.

1. Names : ( 4 ) Disputed, ( 2 ) Remaining on File 2. False Information of Employers : ( 3 ) Disputed 3. Misinformation of Address ( s ) /Unmailable Addresses : ( 7 ) Disputed, ( 2 ) Remaining on File
Consumer complaint received 2024-01-04
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. (GA)

Dispute letters were sent to both XXXX and Experian regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and Experian are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Consumer complaint received 2023-02-03
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 delete the item from my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$53.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-08-07
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. (NJ)

I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

On XX/XX/2024 at XXXX money was taken out of my account. I did not authorize or send anybody money, however my checking says I sent money to an individual named XXXX XXXX I tried contacting my bank ( Chime ) however they were not able to do anything and is currently under investigation. The person sent themselves {$2000.00} from my account which I did not authorize to do so. I currently have turned off all debit card transactions to avoid any further transactions. Chime is not doing anything to continue this investigation and they continue to ignore any complaints or concerns to help me with this fraudulent charge. I believe someone hacked/committed fraud to my account.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I scheduled a payment of the account balance in full, however, because the payment due date was Sunday XX/XX/XXXX and due to the XX/XX/XXXX holiday, the payment didn't post until XX/XX/XXXX. I called AMEX on XX/XX/XXXX and they refunded the late fee of {$29.00}. On XX/XX/XXXX, AMEX assessed interest and on XX/XX/XXXX two representatives relayed via phone that there is no way to refund interest on an account after AMEX assesses it ( even though the interest posted days after the payment posted ). AMEX also refused to allow me to redeem all of my points, without explanation. By way of background, this account offered a promotional 0 % APR. I paid the balance in full before that offer expired and have been making regular timely payments since, with the exception the XX/XX/XXXX payment because I literally was unable to set up a payment to post that date due to the holidays and the Sunday due date. The representative offered to refund a portion of the interest, but only if I agreed to keep the account open for 12 months. I declined and closed the account.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I have previously disputed ( XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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: Collection Receivables, Inc. (MN)

In response to complaint- XXXX This is my last attempt at trying to rectify your companies FEDERAL VIOLATIONS. 
So what you are saying is your company policies do not apply to FEDERAL laws? Again I did not give you guys permission to share my nonpublic private information. Does your company not abide by the FEDERAL Laws? I am asking If there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. IS USC 6802 ( B ) clearing states that * A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' IS USC 6802 ( B ) Ic " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. If this is what your company goes by legal action will be taken.
Consumer complaint received 2024-01-04
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. (VA)

This is XXXX XXXX XXXX please 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.
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I can not create an account because it says I already have one, but when I try to recover my login information, it says I don't have an account. I have contacted FedLoans and they could not help me at all. I need an account to qualify for public service loan forgiveness.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NY)

XXXX XXXX has been sending me a bill for months about something that has been paid in full on XX/XX/2020, according to my health insurance. He is using Capital Accounts to seek to collect a false debt that has been paid already. 

My concern is that they won't stop calling me on the phone and my health insurance called XXXX XXXX and he said he did get paid and he would contact them to stop harassing me for the amount that has increase now to XXXX dollars. But he lied and the calls kept coming. In a recent phone call with the insurance company listening to his every word, he said I was irresponsible because I have not paid this bill. 

Sadly, Capital Accounts is getting an attorney to come after me for this false debt. The XXXX dept at XXXX XXXX XXXX said that XXXX XXXX was paid once and he was trying to get paid more that once for the same visit.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

When I went to deposit my {$150.00} check and {$250.00} in cash at TD Bank ATM located at the XXXX XXXX FL XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ). I immediately called the corporate number for TD because the branch was closed. I was told to call the branch the next day when it was open so they could open the atm to sort out the issue. This was in XX/XX/2020 at around XXXX. The next day I called, and I was told to come in to get a new debit card since the machine ate it. While there, the employee ( XXXX ) told me that a 3rd party manages the ATM and that it will be automatically sorted within 1 business day and that I should not worry. Today is XX/XX/XXXX, and the issue is not yet resolved.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I filed bankruptcy in XX/XX/XXXX included BOA I reached out to them and they still have me owing XXXX from XX/XX/XXXX they coded as dismissed and the the XXXX that was owed same day they marked as XXXX they will not change this and the have me on XXXX XXXX as well with negative item showing I had malice in XXXX I ask BOA and XXXX systems why are we talking about this from 13 years ago This is a complete violation of the law and my rights what happen to things falling off in 7 years XXXX we are at 13 years and they are reporting me with a Discharge XXXX  XXXX I still bank with this bank and I was not notified of this and he proceeding to try and collect when I explained I had a XXXX  XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I sent XXXXXX/XX/XXXX an validation letter so they sent me a copy of my contract. From the contract XX/XX/XXXX, Equifax and XX/XX/XXXX has been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.