davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (TX)

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX  report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my Equifax, it shows XXXX opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXXXXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for Equifax it XXXX date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my equifax report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (MO)

Hi. On XXXX I tried connecting my PNC bank account to the XXXX mobile app so I can pay my daughters ' allowances. XXXX app uses the service XXXX to connect bank accounts. When I tried connecting to my bank I get a notification saying that PNC has made changes and now I am no longer able to connect my bank account using the XXXX service. All other major banks ( and many minor banks ) seem to be using this service, so I don't see why my bank will not allow. Whenever I call PNC, they have no idea what I'm talking about.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Yesterday, XX/XX/2020, I received a call to my phone number in which the first time that I ring I did not answer because I rarely answer unknown numbers but I check the voicemails hoping to obtain information from the person before contacting them, in this case, there was no voice mail. 

After a couple of seconds, the same number tried to contact which I answered, a man showed up and indicated that he could not leave the voice message so he called me again followed by the mini-Miranda. 

I present myself that debt for a moving fee that I had had been taken into the hands of a third party for its collection, a debt that I was aware of but had never been contacted by phone or email, but by mail using the address of the apartment that had been delivered which is the reason for the deduction, which seemed inefficient to me that the contact was through an address that they knew was no longer living. 

While the call was developing, I expressed my desire to pay the debt because I was only waiting to be contacted, however, he indicated that they were not taking XXXX XXXX, so request that you call me the next day or the following Friday to make the payment. 

This is when he began to insinuate that he did not want to start calling me constantly and so it was better that he pay my debt now, I pointed out that this was not a fair practice of collections that can only call me once a day, in which he replied that he only wanted to help me so that my debt is not reflected in my credit and at the same time save me money. 

I told him that what he was saying was considered harassment and that he did not understand why I wanted to pay this debt as soon as possible, only at that exact moment I did not have my cards in addition to XXXX and that I should take it easy and stop carry out this type of illegal collection, in which he replied and a rephrase " I see that you have a plan '' a phrase that left me in shock and told him that I could not continue in this type of call, immediately afterward he told me that I was leaving transfer with your manager, then I hung up the call. 

Today XX/XX/XXXX I made the total payment of my debt of {$3200.00}, as it was my intention from the beginning, however, I feel that I have been the victim of an unfair collection act. 

In the first instance, I should not have been contacted more than once to the same number, granting that they could not leave a voice message on the first call. 

Second, instigating myself to pay when I clearly told him that I was going to pay the next day, in addition to the threats that could affect my credit and that they were going to start calling me constantly, and to complete assuming that I had planned all this to not pay or some act to evade my debt. 

My credit is impeccable as I have never missed a debtor tried to get away with it as suggested by the debt collector.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or around XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firms.
Consumer complaint received 2020-08-11
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

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 XXXX XXXX, 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. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time XXXX attempt tp have the credit bureaus do their job before I go to court with them.
Consumer complaint received 2020-08-11
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
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 XXXX XXXXXXXX, 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. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX IN with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 680 ( 2 ) ( B ) opt out law A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has nothing to do with TXXXX XXXX Experian which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates which that's not the case and according to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies which means all of the following accounts that I listed above must be removed due to inaccurate reporting without my agreement.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i sent a dispute on XXXX to all 3 cras concerning the re-investigation process, also informing them about XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  about information has to be maximum accuracy. 
neither of the 3 hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.
Consumer complaint received 2024-02-26
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. (CA)

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to Experian on XX/XX/2023. It's been well over 30 days since. I have not received a response from Experian whatsoever. I will attach the dispute letters I have sent to Experian.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is incorrect information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ). Please investigate and delete these false disputed accounts.
Consumer complaint received 2020-06-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Homespire Mortgage Corp (LA)

I was preapproved for a mortgage earlier this year, i was conditionally approved but right before closing ( after I made payments for inspection and deposit to XXXX realtor ) they said I was denied because I was furloughed but I was never furloughed I continued to work during the pandemic as an essential worker. My hours were cut a little bit because of the pandemic but I was still working 50 hours per week and had substantial recurring income for a successful closing. I feel as if I was discriminated against because of the effect the the pandemic had on my finances even tho I still was making well enough income for the low mortgage and I had funds to close. Their actions have resulted in emotional distress for me and my family who have been looking forward to closing.
Consumer complaint received 2020-06-17
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3500.00} on XXXX XXXX, original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see pages attached from my credit report, as well as a copy of the contract from XXXX. ) The interest rate being charged on this loan is over 198.9675 %, and this is PREDATORY LENDING to say the least!!! The Federal Loan cap is a maximum of 28 %! Payments Ive made have not been applied correctly to this account and consequently the balance reporting is wrong. Also, this incorrect reporting of a collection/chargeoff is seriously harming my credit score and this account needs to be removed and/or updated to report accurate information. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-30
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: Self Financial Inc. (FL)

I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (FL)

Hello, I open an investment account with XXXX and when is time open the an account, XXXX apllication prompt me to log in to my bank account ( PNC ) and after logging in, PNC send me a 6 digit code for verification. upon putting the code, the application prompted me for a code again and when putting the code in, a message from PNC will appears that " PNC is blocking access to XXXX to access my checking. I called PNC and the person that answer the phone said to me that a security layer is in place across all account and this could prevent the access. He said that she will file a complain on my behalf and a few hours later, I got a call from XXXX XXXX telephone XXXX case # XXXX and XXXX implied that there is nothing wrong with my account and left me with no answer. And that's the reason why I am filling a complaint. 

Below is the replied message from PNC after account could not being link and denied On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service.

If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. 

This alert was sent for user ID ending in XXXX. 



Thank you for banking with PNC Bank. 



This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Customer Service, please call XXXX ; Monday through Friday XXXX XXXX. to XXXX XXXX, and Saturday and Sunday XXXX XXXX XXXX XXXX XXXX ET. 



XXXX XXXX to view our privacy XXXX XXXX XXXX XXXX. 

Thank you
Consumer complaint received 2022-10-30
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: Exeter Finance, LLC. (FL)

I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions