davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (TX)

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan never late XXXX XXXX FCRA Violation : credit card not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan never late XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXXXXXX 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 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

we wrote a check for our real estate taxes, it was stolen out of the post office mail box, the payee and amount of check was changed.The check was cashed via mobile deposit at XXXX XXXX XXXX. On XX/XX/22 we signed an affidavit as to our claim with our bank PNC. Today is XX/XX/22 and we have no resolution or answer. This check was fraudulently made out to the amount of {$7800.00} and cashed! Some of the responses from PNC are as follows " keep checking your account to see if the money has been replaced '', '' your complaint has been escalated '' and " let me look into this and i'll get back to you ''. It's all a lot of stalling and XXXX when do I get the money that was stolen back? I have a XXXX filled with the names of people I have spoken with still no result!
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. XXXX claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from XXXX. XXXX put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, XXXX has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. XXXX has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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
Consumer complaint received 2023-10-17
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. (OK)

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 correct or remove them immediately in my report : XXXXXXXX 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 2023-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, On XX/XX/XXXX Capital One Bank USA made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX California used my SSN information applied for a Capital One credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with Capital One happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

I when to open account with bank Truist on XX/XX/XXXX and they told me my card would be mail on XXXX to XXXX business day the card got here I deposit my check on XX/XX/XXXX my check is from a XXXX  I work I try to activate my card but I cant do I call bank many time already and they say because I deposit my check it look like fraud so I call and told them my check from work they can call they told my check would be ready on XX/XX/XXXX so I wait for it didnt show so I call they told me it would be ready XX/XX/XXXX nothing so I call again so now they say the specialist need more time to clear my check, but my check is already clear and deposit in my account my check was {$1000.00} and I put {$100.00} more in cash to open my account I cant touch nothing from my money I call manager and so many time
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I had an online banking issue and could not log into my accounts and decided to contact Citibank my bank to help me unlock my online banking. When I called the services number at the back of my card, they verified me and transferred me to their tech department to help me fix the issue. They sent me a message from Citibank and asked me to say it back to them and I did. When I suspected fraud, I called Citibank to block the accounts and they only block my checking. Just to realize that a wire transferred was initiated from my saving account in the amount {$48000.00}, when I visited the bank that same day. I contacted the Citibank and filed a dispute, and they only gave me back {$95.00}.
Consumer complaint received 2021-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (AL)

On XX/XX/2021 I applied for the loan, for repairs on a vehicle. The company advertised as a same day loan service. They said I had been approved and should receive my money within 72 hours. A week later I called and they said due to staffing issues it may take 10 days.

I called 2 more times and was told withing 24 hours. I have emailed them multiple times with no response. Meanwhile I'm slammed by other companies that they sold my information to. When I called today, after being put on hold for over an hour, was told I couldn't cancel the application so if I went elsewhere I'd likely have 2 loans to repay.
Consumer complaint received 2022-11-07
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. (SC)

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. 

FOR XXXX : XXXX XXXX XX/XX/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 TRANSUNION 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 XXXXXXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (VA)

I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it. 
I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.
Consumer complaint received 2022-11-07
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. (VA)

On XX/XX/22 I got a letter saying that everything was verified do to them violating my rights these loans should b removed immediately with a accuracy credit score Violations.

1. ) 15 USC 1681 section 602 a state 's I have the right to privacy.

2. ) 15 USC 1681 section 604 a section ( 2 ) it's also States a consumer reporting agency can't furnish account without my writing instructions.

3. ) 15 USC 6802 ( a ) ( b ) ( c ) which state that obligation respect to disclosure of personal information
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (PA)

Received a credit card statement on XX/XX/2023 for a card I do not own. Its a Milestone Mastercard. The addresses on the statement are : Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX and Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ( XXXX ) XXXX Claims I owe {$35.00} Company want my full SS #, which I refused to give. They told me to file a complaint here.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

During XXXX XXXX XX/XX/2023 I was on a retreat with my girlfriend and camping outside of XXXX XXXX Tx XXXX I left all of my personal belongings in my truck parked outside of my apartment building. When I returned, I was missing my phone and my wallet unfortunately. As I got a new phone, I was alerted that there had been tons of alerts from Wells Fargo, my bank. Emails and text messages regarding suspicious activity I had missed through the days. When I got into my online banking I was prompted to change my login information. I then saw that over {$4500.00} worth of charges had been made from the XXXX, Texas area to Colorado. Some of them including XXXX, which is illegal in Texas. I filed my claim the same night I returned home and waited to hear back. This morning on XX/XX/2023 I was informed that it was denied. They claim that the patterns are not consistent with what they are looking for. They are also claiming that the headquarters of the merchants XXXX be reported on the transactions and that the transactions were made in Texas. They also claim that since my PIN was used there is no chance it was anyone but me. Half of the transactions were made using my XXXX XXXX and online banking however. I just started a new job and lost my a majority of my {$5000.00} signing bonus. I was going to have a police report and they said I never provided it, but they said someone would reach out and ask for it. That request was never made from me and I didn't have a chance to even submit it. Per the process I will file it and provide it to anyone neccessary. I am asking for help as they are denying my chance to appeal the claim. The person I spoke with last told me to dispute it with fanduel and others, but I don't have any kind of information on these merchants or accounts created using my banking information.
Consumer complaint received 2023-07-19
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: GOLDMAN SACHS BANK USA (OH)

In accordance with the fair reporting XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 

15 USC 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 2023-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to XXXX. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}
Consumer complaint received 2023-02-23
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. (MI)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation 1 PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM 90 days late too 60 days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. Violation XXXX LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation XXXX PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation XXXX Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I notice the company put a derogatory account on my credit report without contacting me properly. I have reason to believe I do not owe this debt because the company was contacted by bankruptcy court as being included in bankruptcy and I also had questions about the account and I filed a identity theft report. The company did not give me the opportunity to address this before putting on my credit report.