davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

There are several errors on my Equifax and XXXX credit reports. on my Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ) XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-02-02
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. (FL)

Someone opened an account for XXXX XXXX XXXX in my name online shopping XX/XX/2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.
Consumer complaint received 2023-01-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (DC)

Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. 

It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. 

I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. 

It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # xxxx has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NC)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding an issue with a recent Remitly money transfer service. On XX/XX/2024, I initiated a money transfer to XXXX with the expectation that it would be delivered within minutes, as stated in the terms and conditions. However, as of XX/XX/2024, the transfer is still pending, causing significant inconvenience and frustration. I've asked for my money to be refunded to my account, yet Remitly insists that the funds have already been delivered to the bank. However, according to the tracking information, it's evident that the money has never been dispatched Furthermore, my attempts to address this issue with customer service have been met with unsatisfactory responses. Each time I call, I am greeted by representatives working from home amidst considerable background noise, making it difficult to communicate effectively. Additionally, there has been a lack of apology or explanation regarding the delay in the transfer, further exacerbating my concerns. 

It is deeply concerning that despite the clear terms and conditions promising prompt delivery, the service provider has failed to uphold their end of the agreement. Moreover, the subpar customer service experience raises doubts about the security of my private financial information. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from such instances of poor service and potential breaches of financial security. 

Thank you for your attention to this matter.
Consumer complaint received 2019-02-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I private loan with navient corporation I told them that I was under borrower protection because my school I attendant was doing fraud practices. And the schools was order shut down the private was I am not sure about the amount. If possible can I get some of that money back in a refund.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.
Consumer complaint received 2023-07-31
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. (SC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}
Consumer complaint received 2023-07-31
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-31
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-31
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. (CA)

Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (GA)

I am writing this complaint to bring to your attention a serious issue that I have been facing with the Consumer Financial Protection Bureau ( CFPB ). I have filed over XXXX complaints with the CFPB regarding violations of my rights as a protected consumer, but unfortunately, all of my complaints have been closed without any resolution. 

I believe that the CFPB is blatantly violating my rights as a consumer and ignoring the complaints that I have filed. I have done my due diligence in reporting these issues, but it seems like my efforts have been in vain. I am extremely disappointed and frustrated with the way my complaints have been handled by the CFPB. 

I demand that the CFPB investigates my complaints thoroughly and takes appropriate action to resolve the issues that I have reported. I expect the CFPB to provide me with a fair and just resolution to my complaints, and to take steps to prevent similar issues from happening in the future. 

I would like to request that you take immediate action on my complaint and provide me with a written response indicating the steps that have been taken to resolve my issues. 

Thank you for your prompt attention to this matter. 

PS. Because you all haven't assisted in the matter i can only assume my negative items are identity theft
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am writing to express my concern regarding the suspension of my online banking profile after attempting to transfer {$10000.00} to an external account that I own with another financial institution. 

On XX/XX/year>, I visited the XXXX, Ohio branch to restore access and confirm the transfer. I was informed that I needed to provide a statement or a voided check to prove ownership of the external account. I submitted the required statement to a teller, who faxed it to the back office. I was assured that my account would be unsuspended and the transfer completed after the XX/XX/XXXX holiday. However, no resolution was provided. 

I returned to the branch on XX/XX/year> to inquire about the delay. A different employee informed me that the back office never received the document. The statement was faxed again, and I was promised a resolution within a few days. After XXXX business days with no resolution, I emailed the same branch employee, who advised me to wait a few more days. Despite their assurance, I received no follow-up. 

On XX/XX/year>, I contacted customer service and was informed that the documents had not reached the correct department. I was assured that the documents were now in the right hands and that the issue would be expedited and resolved by the end of the day. However, as of XX/XX/year>, my account remained suspended. 

On XX/XX/year>, I called customer service again. The advisor informed me that there was no record of the documents and that they could not contact the previous representatives I spoke with, as they were not in the office. To date, my account remains suspended and I am unable to initiate the transfer to the external account. 

This situation has caused significant inconvenience and frustration. I request immediate action to resolve this matter and restore access to my online banking profile. 

Thank you for your prompt attention to this issue. 

Let me know if you need any further adjustments or additional details included.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have noticed that my consumer report is reporting inaccurate spellings of my name, address and employment information. I have attached a copy of my current driver 's license with the correct spelling of my name and address. I do not have a current employer at this time.
Consumer complaint received 2023-01-23
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. (NY)

The accounts are incorrect and adversely affecting and hurting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX