davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

So I XXXX  myself some money from my other account to my PNC Bank account. I logged into my PNC Bank account and I saw that my money was pending, which was {$240.00}. I then proceeded to call PNC and asked them as to why my money was not available for me to spend. They told me that they are in the process of closing my account. They have been in the process of closing my account for a while, but the account is not closed and they still allowed me to XXXX myself money to my PNC account. Now PNC is holding my money hostage and refusing to release it to me.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WA)

Equifax continues to delete accounts from XXXX XXXX XXXX just to re-insert them into my credit file. They do this at least once a month. I have disputed the information over and over about this issue but they refuse to gix the issue.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!
Consumer complaint received 2022-10-03
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. (GA)

There is an open investigation into EXPERIAN. After repeated attempts to correct the error -- they still refuse to disclose the correct accounts, Un-REPORTED accounts, that could make a huge difference in the credit score they report on my credit. 

It is as if they are DELIBERATING refusing to report the correct information, and continue to list an old account that was never mine, and refuses to delete it. In fact, they updated it. XXXX. 

The other credit agencies investigated this account years ago, and deleted it. 

The Fair Credit Reporting Act, FCRA, 15.U.S.C.1681, states that you may sue a credit reporting agency for negligent or willful non-compliance with the law within 2 years after you discover the harmful behavior. 

I am asking for aggressive action to be taken against Experian. 

Their actions border on discrimination, and I find it odd that the ONLY XXXX accounts that are reported are with Georgia XXXX XXXX XXXX, here in GA, and my car payment. 

WHERE are my federal student loans? Where are my revolving credit cards? Where is the correct information. 

I am escalating this issue because twice before I have spoken with a supervisor at Experian over this same issue, and yet, nothing is done.
Consumer complaint received 2022-10-04
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. (NY)

In accordance with the fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/2023 on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, XXXX, Experian credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Consumer complaint received 2022-10-03
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. (CT)

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-04
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. (NC)

In accordance with the Fair act 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 a account without my written instructions
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (TX)

After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.
Consumer complaint received 2023-05-12
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. (AZ)

I received a credit monitoring alert this morning XX/XX/2023 from XXXX Equifax alerting me to an inquiry made on my credit by XXXX XXXX XXXX XXXX  XXXX on XX/XX/2023 at the address XXXX XXXX  XXXX XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called XXXX XXXX XXXX  and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from XXXX XXXX to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.
Consumer complaint received 2022-10-04
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. (NY)

I sent a letter to remove this personal information and inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information and inquiry not later than 4 business days. 
XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of XXXX ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc. (IL)

I contacted Nelnet on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX XXXX LAST YEAR XXXX! My accounts have been CURRENT before the XXXX. As a matter of fact, they are getting ready to be discharged due to me being 100 % pemanently XXXX XXXX XXXX They blamed the credit bureau for the mistake but XXXX is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my XXXX report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Transunion continue to respond with such items being verified by the furnisher. I have requested several times that Transunion provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that Transunion and XXXX are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Transunion has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy Courts response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter Transunion Order of Dismissal ( XXXX )
Consumer complaint received 2022-10-04
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. (PA)

After recently looking at my credit report, I noticed account and inquiries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # 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 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-04
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 Usc 1681 Account Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. ( a5 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 an 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 2022-10-04
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)

I send this complaint to inform the Experian credit bureau that I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (GA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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. (KY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX