davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (IL)

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

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

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$1400.00} XX/XX/XXXXXXXX XXXX  XXXX {$1500.00} XX/XX/XXXX
Consumer complaint received 2023-07-07
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. (MI)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$79000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX XXXX XXXX I experienced life changing complications due to contracting XXXX ( see proof of XXXX XXXX test results ) and was unable meet a lot of my financial obligations on time. After fully recovering, I was informed by church pastor that credit card companies were providing customers who experienced financial hardships due to XXXX, accommodations to remove the late payments under the CARES act. 
In XX/XX/XXXX I contacted both my credit card companies ( XXXX XXXX and XXXX ) and explained to the representatives that during the time the payments were due I was severely ill with XXXX and unable to fully function on my own and asked would they provide me a courtesy to remove the late payment from my consumer report due to me being ill with XXXX. 
Both companies ( XXXX XXXX and XXXX ) agreed to remove the late payment from my consumer report. XXXX XXXXXXXX sent a letter to all three consumer reporting agencies immediately requesting to have my payment history corrected and updated ( see proof letter from XXXX XXXX to consumer reporting agencies ) and XXXX even sent me a check in the mail to refund me for the late fees that I was charged due to the late payment, because once the late payment was removed It would be impossible to still charge me late so they refunded me the late fee I was charged. ( see proof of refund of late fees ). Although XXXX ageed to remove the XX/XX/XXXX late payment from my consumer report, and also refunded me the late fees associated with the late payment from XX/XX/XXXX they are refusing to update my consumer report to reflect the changes they made to my account by providing this courtesy adjustment accommodation. I have notified XXXX on numerous occasions of their legal obligation to adhere to the FCRA/CARES ACT section. 4021 CREDIT PROTECTION DURING COVID-19. 
How is it humanly possible for XXXX to make a " courtesy adjustment '' by waiving a late fee directly related to the XX/XX/XXXX late payment, and then state that they stated they will update my account to reflect the adjustments made, but then refuse to update my consumer report also. They made changes to my account directly related to thta late payment information. 
At this point this is not only blatant disregard for me as a human being but also for my rights as a consumer, and the laws that have been put in place by CONGRESS to protect those that have been impacted by XXXX during these tragic times. Please assist in enforcing the law and rectifying this ongoing issue. 
I want this negative late payment from XX/XX/XXXX deleted from my consumer report. And i want XXXX to pay me {$1000.00} for violating my rights and willfully non-complying with the FCRA / CARES ACT.
Consumer complaint received 2023-07-07
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. (NE)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Exeprian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion, XXXX and XXXX illegally reinserted without given a proper 5 day reinsertion letter.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (NC)

XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had repaid XXXX University to a amount agreed by the school and myself. I made payment in full back in the early 2010. The accounts were closed and reported as paid as agreed to the credit bureaus. However, XXXX University has now filed both on my credit report as well as the US DEPT OF EDUCATION ESC as the account is opened with a new balance of {$4000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This erroneous and fraudulent information is effecting both my job and career as keeping my XXXX clearance is needed for my position.
Consumer complaint received 2023-06-28
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. (TX)

Equifax is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Equifax, and nothing has changed unfortunately. It is against the law for Equifax to report incorrect information to my report.
Consumer complaint received 2022-11-27
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. (NJ)

This is in regards accounts being reported by XXXX, XXXX and Equifax. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and Equifax. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

Step XXXX : What is this complaint about? 
Money ( XXXX XXXX ) lost due to a travel company cancelling a trip before going bankrupt then PNC failed to issue a charge back for the amount paid for services that were never received.

Step 2 : What type of problem are you having?

PNC will not issue the money back even after being provided letters from XXXX  ( the travel company ) as to the repayment flowchart they provided to their customers on how to received a refund. They stated the payments were too old and would not take action in helping me receive the money I had paid XXXX.

Step 3 : What happened? 
A tour through XXXX was booked for the date XX/XX/XXXX however paid for in payments mostly throughout XXXX. It was rescheduled due to COVID, then cancelled, followed by the company XXXX going insolvent. 

XXXX then instructed all participants of the trip who had paid in full to request a chargeback from their banks however PNC stated it was beyond the date that they would honor a chargeback. XXXX provided letters stating they would not contest any chargeback from banks or credit card companies however PNC would not issue it due to their policy of the time limit to do so therefore I have not received a refund for USD XXXX paid to XXXX. 

Step 4 : What company is this complaint about?

PNC Bank Step 5 : Who are you submitting this complaint for? 
XXXX, XXXX XXXX XXXX for the amount of USD XXXX.
Consumer complaint received 2023-07-07
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. (TX)

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. 

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 2023-02-22
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

hi, i tried to withdraw {$800.00} from my account atm dispenser XXXX XXXX did not dispens the money call wells fargo called immediately to report the problem but no help from wells fargo side i know they have camera and they could count there money to make sure im telling the turth but no help from wells fargo side at all please i need help
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo recently regarding an account that they had been charing me {$150.00} per year for for the past XXXX years that I had never used. I have requested several times that they refund my money, no one has gotten back to me. I am formally requesting that my money for fees be refunded because the account was never actually used. I really never needed this account in the first place and Wells Fargo really pressured me into opening this acctount similar to the other people mentioned in this article XXXX : XXXX This was for a business line of credit. Please communicate with me in writing only do not call or record me. This was a business account, but I am a consumer I a have no idea why a business line of credit was ever even opened for me. Please refund. I am also represented by an attorney.
Consumer complaint received 2022-04-15
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. (FL)

In accordance with the Fair Reporting act XXXX  Account # 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 : I
t also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXXXXXX 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.