davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (PA)

We contacted XXXX XXXX XXXX about a refund for XXXX separate charges in which we were to receive a brand new phone number, as our emergency cell phone was ringing off the hook. Each time they sent us a RECYCLED number, which had the same issues of non-stop calls and messages from people we didn't know. 

XXXX XXXX XXXX said they had 'no apparatus ' to start a refund, and that if we wanted a refund to 'contact our bank/credit provider. ' We were told this over 5 times. 

We contacted PNC bank and started a dispute. PNC bank contacted us and refused, stating no billing error had occurred, even though we explained it was not a billing error. 

I contacted a manager in the dispute department at PNC, to whom I explained what had happened. She stated XXXX do not dispute prepaid phone charges ( Which makes no sense ) and said she would 'resubmit ' the disputes after I explained what had happened with the purchases. 

PNC notified us they had once again declined the disputes as there was no billing error. For over one month I have tried to contact the dispute department manager at PNC. I was told on XXXX separate occasions that she would call back the same day. She never did. 

I contacted XXXX XXXX XXXX, our PNC Private Client Advisor, who notified this manager that she should contact us as it was urgent. She never called. The dispute department says she is 'busy ' when I call, and refuse to connect me with her or another manager. 

Today, XX/XX/22, I called and PNC Private client advisor XXXX, MLS ID # XXXX ' stated that both the dispute and retail service departments had declined my phone call. There is a woman named XXXX XXXX XXXX who supposedly is in charge of this problem, and I have emailed her XXXX  times, called XXXX times and have yet to hear from her ( She did actually call at one point, but has not tried to contact us again, despite repeated attempts. She also never answers her phone. ) I'm so fed up with this ; this is beyond dispute, as XXXX XXXX XXXX has stated specifically to contact our bank. The bank is taking the position to do nothing, which is hard to believe.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

I have tried four time to get my consumer report from LEXIS NEXIS. I submitted a copy of my driver 's license and they are denying me access to my consumer report and file.
Consumer complaint received 2022-09-30
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. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, On Friday XXXX XXXX, 2021 I purchased tickets to fly to XXXX WA with XXXX other persons and made reservations on XXXX. On the XXXX website, there was a promotional offer for a XXXX XXXX XXXX XXXX XXXX credit card during the reservation activity that promised XXXX bonus miles AND a {$200.00} credit if used with the reservation. The ticket price was approximately {$3000.00} in total, and as a business owner, I was happy to qualify for such a card and saving {$200.00} was a very lucrative offer ( so I thought ). Upon checking the box to sign up for the credit card, it took me through the information scree to fill out all my personal info, including social security number. After completing all the steps, it stated I was approved, but I thought it was odd, since it didn't ask me for any business information. I then proceeded to try and get the card number, and it completely just froze and did not take me back to the screen to complete the ticket purchase. I waited several minutes to see an email with my confirmation, however after about XXXX minutes or so, I had to complete my ticket purchase or risk loosing out on securing the flight reservations. So I had to book the flight with another card. A few hours later I received the confirmation email, at which time I called American Express  and explained what happened, and wanted to try and do a balance transfer or something to allow for me to take advantage of the offer ( especially since they ran my credit and now I had been approved for a card ). Well, not only were they not willing to do anything, or offer any help, they told me that it was XXXX that had to fix the problem as it was their website. But I explained it was an American Express card. At that time the Amex person told me the card I had signed up for was not a promotional card at all, and it didn't come with any benefits whatsoever, and was just a normal Amex card. I called XXXX and pressed the options to speak with someone about the credit cards, and the XXXX 's phone switch - calling the main customer service number for XXXX- transferred me to American Express. I again explained everything to the second associate at Amex, and they did nothing. I told them this is a clear violation of FCRA and XXXX, and they should correct this problem and make this right to me as a customer, however they refused to do anything. I can not understand how this is legal since they are advertising this promotion, and I am willing to do what is needed to allow me to take advantage of what they are offering, however they are not allowing me to do so. I find their activity to be totally illegal and I am pleading with you the CFPB to help me and to admonish them for this behavior. I have taken screenshots of the advertisement offer, and happy to provide any details you need to substantiate my position.
Consumer complaint received 2019-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I had filed a dispute with " jeffcapsys '' that i had no knowledge of this account. On XX/XX/2019 they replied that the account information was correct and that is was going to stay on my credit report. I dont even know this company or who they are besides i never signed any agreements or documents ir contracts with this company so i would like this removed from my credit report. Besides theres 2 accounts with " jeffcapsys '' on my credit report with different amounts one for {$240.00} and the other for {$460.00} so i need these removed please and thank you
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo refuses to report my on this time payments to the credit agencies. They have told me there is nothing that can be done but call for payment the moment I am a day past the XXXX of the month for payment. My account is up to date and I have not had any late payments since my chapter XXXX was completed. Wells Fargo has only transferred me around within their company and yet no one has been able to help with getting my account reported to the credit agencies. By them not reporting the on time payments they are causing fraud and affecting my credit rating.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-02-24
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. (CO)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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 have checked and acknowledged the response from Equifax regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, XXXX has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, XXXX has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Consumer complaint received 2023-02-24
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. (CT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-24
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There were 4 hard inquiries made according to my TransUnion report. I have not applied for any credit that would result in inquiries being made. The institutions are listed below : XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXX Finance/Personal XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX  Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXXXXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-09-06
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. (MA)

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX XXXX : XXXX Transunion : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, 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 2023-08-16
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. (GA)

As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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. XXXXXXXX XXXX Account # XXXX and XXXX XXXX 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 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists