davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

National Credit System is trying to illegally collect a debt from me due to fraud. I have never done business with them, nor do I know who they are. I have tried several times with proof to the credit agencies to prove this is not me and is indeed fraud. They are ruining my good name.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PNC Bank N.A. (ME)

I am filing this complain against PNC bank for predatory loaning. 

XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. 

To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (VA)

I 've banked with PNC Bank for nearly XXXX years, and I 'm finally leaving them because they charge ridiculous overdraft fees. I 've asked for reimbursement for these fees ( they re-order high to low, so they can ensure overdrafts on even small amounts ) and they wo n't do it more than once in apparently XXXX years. It seems to me that banks require greater regulation in how they administer overdraft fees since it 's obviously a huge revenue-generation strategy.
Consumer complaint received 2023-10-21
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. (MI)

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts 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. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

On or about XXXX of XXXX  I received a collection letter from XXXX XXXX demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX. I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response. 

On or about XXXX of XXXX  I received a collection letter from XXXX XXXX XXXXAbsolute Resolutions also demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX XXXX I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response. 

I have disputed this collection at the XXXX Credit Report with the exact same documentation of the collection and my attempts to validate the debt unsuccessfully. The origin of the debt is unknown to me. I am claiming that I have no knowledge of this debt and I have the proof that I have proceeded in good faith, without the benefit of a response. I have no idea what XXXX uses to continue to validate this debt. I have yet to see any proof this debt was initiated by me. 

My perception is that all parties claiming there is a debt owed by me have failed to disclose how this debt was created, and how they are authorized to collect said debt.
Consumer complaint received 2022-04-21
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have already spoken to debt company this information does not belongs to me the social security under this account does not belong to me and this account is still fraudulently being reported to XXXX  and Ive been going back and forth between XXXX and Portfolio Recovery account starting or ending with XXXX about this matter and this being illegally reported to under my social security number
Consumer complaint received 2022-04-21
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Commencing on or around XX/XX/2019, I fell victim to a multi-layered scam operation orchestrated by Fake XXXX  support which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc. account to the fraudster.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-21
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. (NM)

In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-21
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. (DC)

On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The XXXX accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer just got an update on the ( XXXX of XX/XX/2022 ) from Equifax that they ( removed/Deleted ) the XXXX FRAUDULENT ACCOUNTS ( DEPT.OF HUMAN SERVI ). DELETION IS ADMISSION and Equifax Caused DAMAGES to I the consumer, I the consumer Is Demanding monetary relief for the following violations/Damages In accord to federal law ( FCRA ) : 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681.

Equifax and the ( DEPT. OF HUMAN SERVI ) Violated Title 15 USC 1681b ( a ) ( 1 ) Under permissible purposes of consumer reports and Violated Title 15 USC 1681a ( e ) Investigative Consumer Report.

I The Consumer/Natural Person, Experienced SLEEPLESS NIGHTS, ANXIETY, my REPUTATION RUINED, HUMILIATION, and UNABLE TO WORK. 
AMOUNT : {$3000.00} DUE UPON RECEIPT PAYMENT METHOD : PAY BUY CHECK.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting act 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 2022-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2022-04-21
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. (NJ)

I submitted a dispute to Transunion about a late payment from my XXXX XXXX credit account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.
Consumer complaint received 2022-04-21
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. (GA)

This complaint is being filed because of the constant non-compliance of Equifax. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/XXXX I mailed a letter to Equifax challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX I recd a response dated XX/XX/XXXX stating account had been verified belonging to me and has been updated. I wrote another letter and mailed it certified to Equifax on XX/XX/XXXX to Attn : Dispute XXXX I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX  and XXXX against XXXX XXXX System XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX XXXX. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Please note the so call verification was done on XX/XX/XXXX but the letter sent supposedly to credit reporting agencies for deletion of the account is dated XX/XX/XXXX. Why was it verified and updated by Equifax when XXXX XXXX XXXX XXXX XXXX XXXX XXXX had already sent a request for deletion. Why is this account still on my credit report? When I sent proof, it should be deleted.