davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (NY)

I've been sending out disputes since XX/XX/2023 and they won't open none of my disputes. Sent one for XX/XX/2023 and XX/XX/2023 and no investigation is started yet.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2019-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

Was given loan over almost a month ago, has paid almost {$400.00} out of my bank account, I borrowed {$630.00}, loan pay off AMOUNT IS still going UP. Was not clear on this process, I want to stop electronic fund from my XXXX XXXX   account
Consumer complaint received 2024-03-07
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. (FL)

In XXXX, I was the victim of identity thief. I filed a report with the local police and with the FTC ( Identity Thief Report ). This breach impacted my mailing address ( changed with USPS by criminal ), my bank accounts, my driver 's license, credit cards and all three credit agencies. I closed the impacted accounts and placed a credit freeze, along with a 7 year extended fraud alert with all three credit agencies. ( Experian Report # XXXX ) In XX/XX/XXXX, I received an email from Experian stating that my personal information had been updated. Once again, someone had accessed my Experian account and changed my email and phone number. I contacted Experian ( Report # XXXX ) and was asked to mail a copy of my driver 's license, social security card, and a recent utility bill to them. I did this and they removed the false information. 

On XX/XX/XXXX, I received 4 emails from Experian. The first XXXX were each about XXXX minutes apart. The email said, " Thank you for contacting Experian customer service. '' The fourth email was about 2 hours later and said that my personal information had been updated. 

I contacted Experian and was asked to mail them my driver 's license, social security card, and a utility bill. ( XXXX XXXXXXXX ) I am so frustrated with this endless loop. The sequence of emails saying thank you for contacting Experian, indicate to me that the person simply keeps calling until they get an agent that is poorly trained. The fraudster eventually gets someone that will change my personal information with a single phone call. When I ask them to put it back to what it has been for 2 decades, I have to mail out my personal information once again putting it at risk. 

Given the serious consequences associated with HIPPA violations- disclosing ANY personally identifiable information, it is hard for me to fathom that a company that is this incompetent ( Experian ) at maintaining protected information is allowed to continue having access.

I genuinely have no idea how to stop this. It is the same person or organization from XXXX, because they used the same mailing address in XXXX and XXXX. They will not give up. They will continue to go to Experian, because they know that they are an easy target.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MD)

I close my checking account with PNC Bank on Friday XX/XX/2024 and on Sunday XX/XX/2024 XXXX ach a direct deposit into the close account. On Monday I received an email from PNC stating a deposit of XXXX I went to the XXXX, MD branch to see why PNC excepting the deposit and the branch XXXX female of XXXX XXXX origin replied she don't know what will happened.. It's been XXXX Days and my funds have not returned.
Consumer complaint received 2019-09-24
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. (CO)

Equifax and XXXX keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.
Consumer complaint received 2023-03-08
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-03-08
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. (PA)

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. 

Account name : 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 an 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 2023-03-08
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. (TX)

There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (NY)

XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OR)

I have contacted Aidvantage XXXX times regarding my student loans. I have been provided with incorrect information and/or no information. Often time the agent will put you on hold and never come back, or eventually the call just disconnects.The majority of the time they are not able to answer questions regarding the status of your loan. It is so frustrating especially with forgiveness programs require deadlines and proper enrollment status. I feel like this company is providing insufficient support for borrows and poorly training their staff. I feel like this is a scam.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc. ()

Hello dear, I had XXXX XXXX XXXX in my trust wallet. I was a holder. After some time, I opened the wallet and saw that they took XXXX from my wallet without my permission and put XXXX XXXX copies of XXXX XXXX in the wallet. I wrote to Trust Wallet and warned them that they have caused me a huge loss and that this is complicity with the thief. I sent them my wallet address and asked them to give me XXXX XXXX XXXX version XXXX. The reason for removing or adding money does not matter. The important thing is that the Trust Wallet has given someone else access to my wallet. I know you are an independent company. If you can take my right from them, I will give you half of the money you can get from them. It is enough that you, as my lawyer, demand my rights. I am looking forward to hearing from you. Please email me. 
Sincerely, XXXX
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NC)

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 2023-07-17
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am having a issue with a bank. They have increased my balance to {$44.00} dropping my credit score significantly XXXX points. I make payments and it doesn't update. Saying payment is still due. I'm not happy with this issue. I called and spoke to someone named XXXX from capital one and she was not helpful. I make my payments on time and they claim they report on the 24th over month but I find It suspicious that a company took payment off of my card unauthorized causing my balance to exceed over XXXX not {$44.00}. Once I pay off my balance next week I am not using capital one ever. They will destroy your credit and not offer any type of reasonable accommodation.
Consumer complaint received 2023-03-07
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. (AR)

In accordance with the Fair Credit Reporting act XXXXAccount # XXXX, # XXXX, and # 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
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

Subject : Complaint Regarding Unresolved Banking Issues I am writing to formally file a complaint against PNC Bank due to unresolved issues with my account. On XX/XX/2024, I deposited a {$46000.00} check, leading to a five-business day hold Ending XX/XX/XXXX. I used Debit Card once check cleared with no issues.Despite the check clearing, attempts to withdraw {$17000.00} on XX/XX/XXXX and XXXX From Local Branch were repeatedly delayed with conflicting explanations from the bank. 

Moreover, They stated my account was frozen after a attempted a wire transfer that i made while in branch on the sameday, allegedly under investigation for the deposit, verified check and Attempted Wire Transfer. Despite assurances from PNC Bank With VoiceMail Left on my Phone Number Listed on account and a verified PNC Branch Manager Office Number Also After me Verifying attempted wire I have been without access to my funds for over 10 days, and the bank has provided inconsistent information, causing significant frustration. 

I am seeking prompt resolution and clarification on the status of my account, as well as an explanation for the prolonged investigation. This situation has caused undue stress and inconvenience. I request a thorough review of the matter and a timely resolution to restore access to my funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i paid my XX/XX/XXXX credit card and also paid off a bank of america account that i had and i tried opening an account on either bank and they told me i cant open an account so i went also to another bank and no bank would let me open an account.
Consumer complaint received 2021-01-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- XXXX. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Disputed charges with Wells Fargo who is now investigating the transactions in whole. 

XXXX is the vendor. 33 transactions in the month of XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX - 2 charges of {$500.00} XXXX - {$4000.00} total charges ; 6 transactions XXXX - {$2500.00} total charges ; 3 transactions XXXX - {$8000.00} total charges ; 8 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$4500.00} total charges ; 6 transactions XXXX - {$2000.00} total charges ; 3 transactions XXXX - {$50.00} total charges ; 1 transaction All transactions were in the amount of either {$1000.00} or {$500.00} except for on the XXXX of {$50.00}. They tried to transact with my card several times before it could go through. 


You can find scam reports from this domain on : https : XXXX % XXXX % XXXX % XXXX % XXXX They deal with several companies outside of the U.S. to purchase XXXX to addresses that had just been made for one transaction then send it off to several other wallets. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Email Support - XXXX XXXX
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX there was a check of XXXX and a check of XXXX being deposited into my account and they were able to withdraw {$980.00} from that transaction. The next day on XXXX XXXX XXXX  there was another check of {$1300.00} that was deposited into my account. They withdrew that day XXXX from the atm. on XX/XX/ they withdrew XXXX from the atm. On XX/XX/2023 they attempted to deposit a check of XXXX but the check bounced. I then looked at my transactions and saw all these transactions that were not mine. They were able to withdraw all my money from my account and left me with nothing. I filed a claim with chase and they denied my claim twice. They said that the money I had in my account was to be considered a total loss since there was no bad attempts when entering the pin to the atm. These checks that they authorized did not have my name, routing, or account number written on them. As well as these transaction being done in multiple city 's. I emphasized this several times and they were not helpful with resolving my issue. There was fraud done on my account and they are not helping get my situation resolved.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.