davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NC)

Edfinancial transferred my loans to their new system, which required registration for a new account. My loans were still being serviced by Edfinancial under this new system. After registering, my loans reflected different, higher balances than what were previously shown on their old system. I contacted customer support who said they can only put in a request to investigate the issue and won't give me a timeline of when that will be completed. It has been frustrating dealing with this company, as I've previously filed complaints for them recently where the misplaced funds from payments I made towards my loans, as well as issues registering for their new system.
Consumer complaint received 2023-03-03
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. (NJ)

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 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.
Consumer complaint received 2021-01-12
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: Paramount Capital Group, Inc. (OH)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report.

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, PARAMOUNT CAPITAL GROUP add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I informed Experian small business that my file contained incorrect and wrong information. I submitted this 2 x in XXXX online with their reporting system to update the information. I sent a registered letter on XX/XX/XXXX to one of the incorrect accounts asking for verification. To this date there has been no verification. I informed Experian via phone call and then on XX/XX/XXXX I filed a formal complaint with Experian. BIN is XXXX. The case number is XXXX. It has been over 120 days that I have been trying to get Experian to correct simple information and they have taken no action. On the website it states that my case is still pending assignment to an agent. It has said this for over 60 days now. They have had ample time to deal with this and they continue to report incorrect and false information.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

XX/XX/23 PNC Bank closed my Smart Access checking account. XX/XX/23 US TREASURY attempted to deposit an SSA payment for XXXX into a closed account. PNC bank did not return the payment to the US TREASURY because they stated the Smart Access account was closed onXXXX/23. As of XX/XX/23 neither the US TREASURY or PNC bank has resolved the issue by returning the funds to XXXX XXXX XXXX in which the I am entitled to since the payment is due to myself. I've been going back and forth with both the bank and social security in which I'm still waiting a whole 30 days for this to occur and it has not happened. I really need my monthly payment due to the hardship it has caused me, I'm currently living in a homeless shelter without any recourse since both companies involved have been less than helpful with no resolution. Please help me retrieve the funds that are owed to me as quickly as possible so someone else who needs a place to rest, eat, and sleep can utilize this service.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to you with urgent concern regarding my consumer credit report. It has come to my attention that there are accounts listed on my report that I neither recognize nor authorized. These entries are a clear case of identity theft, and I have never entered into any agreement with the listed creditors, nor have I authorized anyone else to do so on my behalf. Specifically, the fraudulent accounts are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reported Balance : {$30.00} Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), you are required to block the reporting of any information in my file that I identify as information resulting from an alleged identity theft, with certain exceptions. This law mandates that such a block be executed promptly and, in any case, no later than four ( 4 ) business days after receiving proper proof of identity theft.
Consumer complaint received 2023-05-18
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX 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 2021-01-12
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: BARCLAYS BANK DELAWARE (TX)

My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding Barclays Bank and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with Barclays Bank or XXXX XXXX XXXX in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require Barclays Bank nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX VA XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-03
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. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MN)

This complaint is regarding Amerisave. My husband and I applied to refinance our home with them around beginning of XXXX of last year. I've given all the documents they asked me to provide for 4 months. All most 95 different documents. My husband and I own our businesses and we are self employed for which every year tax returns were provided as well. Finally, the loan office sent me an email in XXXX saying that my loan has been approved and I'll be working with another person to close the loan. They also mentioned that the loan needs to be restructured as a 20 year loan instead of a 15 year loan which we originally applied for due to our income. we agreed to that and restructured it as a 20 year loan. It was extremely difficult to contact either one of them for so long. They kept sending me closing disclosures again and again but closing was never set. To top it off, they pulled our credit again in XXXX without even notifying me. There was no answer from them when I asked how they can pull my credit again without my consent. After more than 5 months of struggle when I questioned whether they're closing the loan or not, they completely back tracked and said they are still working on approving the loan when it was actually approved in XXXX. Now after 6 months of back and forth with the company today they said that our Income to debt ratio is high and they can not approve the loan. Our financial situation did not change in this 6 months in any way. We have about 28 years of credit history with no late payments. I don't mind if they would have said that they can not approve the loan 5 months ago. But they wasted 6 months of my time and giving misleading information by saying the loan has been approved and then back tracking again. I have proof of all the emails with the information and also proof that how difficult it was to contact them. In several of my emails and calls I requested so many times to talk to a manager but never could get one on the phone.
Consumer complaint received 2021-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This isn't from a store. It's from a bank called fifth Third Bank. 
During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs. 

Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills. 

Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills. 

So what's the problem? 

1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month. 
2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX 

3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money. 

4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow. 

Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

daily reporting to XXXX that I owe a debt they were told was an error after they were told this debt does not belong to me they still are reporting to XXXX  that I owe the debt and have caused my credit score to drop significantly rude nasty employees who do not do their job they are paid to do
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I purchased clothes from a website utilizing paypal and guest. These transactions were on XX/XX/XXXX. The company emailed me notifying me some of the items I purchased were not in stock. I advised them to cancel bother orders. ALLEGEDLY they still shipped both orders on XX/XX/XXXX AFTER I ADVISED THEM TO CANCEL THE ORDERS SINCE MIS XXXX!! over 25 emails. I receive a call from XXXX @ Paypal Executive office on XXXX stating the I should receive the credits back end of the week the tracking information hasn't moved. Then I get an emails advised below. AND STILL NO RESPONSE. WITH {$390.00} IN ITEMS STILL NOT RECEIVED AND ADVISED TO CANCEL THE ORDERS. I did NOTY want them. we are past XXXX and it's been 5 WEEKS good morning, How did we go from almost hour conversation last week that I would have the credits for XXXX and XXXX by end of the week to THIS!!! I have been waiting for this money back since XX/XX/XXXX. 
And I requested they cancel the order WAY before they still sent it when it's past XXXX. And you just stated on XXXX it had no tracking information, which is STILL irrelevant to the fact I advised then more than 20 times to CANCEL both orders and refund my money WEEKS before they allegedly shipped it. 

As we discussed, you requested assistance with two payments you sent to the same merchant, one payment sent from your personal PayPal account ( Transaction ID XXXX ) and a second sent as a Guest Checkout payment ( Transaction ID XXXX ). You filed a PayPal Protection claim on the first payment ( XXXX ) and, on XX/XX/XXXX, I filed a claim on your behalf ( XXXX ). PayPal has contacted the seller by email, requesting information about the transactions including tracking/shipping information. Please note that the claim process can take 30 days to resolve.
Consumer complaint received 2021-01-12
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)

I check my credit report and this company appears as derogatory, there is no address or phone number I have never had any dealing with this company. 

This appears on XXXX XXXX TransUnion XXXX XXXX XXXX -- Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2020 I have never seen any XXXX at this institution or do I have any XXXX  problem. 
How is it possible for anyone to make false claim against my account and what is the consequence for doing so. Please investigate and advise. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-26
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.