davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A. (FL)

Ive already filed a complaint Against PNC recently in regards to this particular issue. I currently have a pending complaint awaiting response from PNC about my submission surrounding the controversy of my complaint. I however Would like to submit documentation on behalf of my dispute. Upon going over my statements leading up to the Date of XX/XX/2021 Ive come to notice the information provided on my statement from PNC doesnt correspond with the information I have on my account with XXXX  The statement Dates and amounts are inaccurate as if theyve manipulated the system to Match their fraudulent actions with XXXX however you are unable to delete any Cash Transfer Received cash deposit or Added cash transfer from your bank to XXXX PNC Has overcharged me an excessive amount of overdraft fees for money I had available in my account to spend and make purchases When I spoke with a representative about it she said its because I didnt have the available funds during the time of my transactions which is a lie Ive had well over enough funds they wiped out my savings and checkings for overdraft fees that were inaccurate basically stole my funds
Consumer complaint received 2022-04-18
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. (MO)

In accordance with the Fair Credit Reporting Act, Experian has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX Inquiry-XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX  XXXX XXXX XXXX acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights. 

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

15 U.S.C. 1681 Section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I received notification that a credit card on my account was located out of state. I figured it was a fraud call so I logged into my online banking and in fact saw a list of transactions that were not done by myself or my authorized user. We confirmed that both of our cards were in fact in our position and were unsure what had occurred. We called chase and they informed us that 2 different cards were issued out in my authorized users name, one we received and the other we had no knowledge about. They quickly shut down the cards and issued a temporary credit for all the fraudulent charges and sent over 2 new cards. Fast forward to XX/XX/2022, Chase notified me that out of all the fraudulent transactions they are only accepting the claim for 4 of the transactions. I informed them there must be some type of error because those 4 transactions that they accepted occurred in the same timeline as the other fraudulent charges. They requested further documentation, I submitted a police report with the fraudulent acts and Chase is still giving me a hard time resolving this. Chase isn't resolving a dispute about the purchases and they quickly rush me off the phone every time I call in to inquire about it. When I opened up the account I was told " Cardmembers are not responsible for unauthorized charges made with their card, and we encourage customers to alert us if they notice anything unusual with their account. '' So why are they giving me such a hard time? I have been using my card religiously and make all my payments on time. This is not fair and it has brought an unnecessary level of stress and anxiety on myself.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NV)

I was buying some clothing staffs those Total price was {$600.00} at XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX NV XXXX By the end of XXXX XXXX beginning of XX/XX/XXXX and I paid that total amount at once time on XXXX XX/XX/XXXX by online bell payment system as of my others bells payment system by XXXX XXXX XXXX using the name numbers shown on that credit card which means before it generates late fees and an internet. 
But after a few months XXXX XXXX XXXX and Comenity Capital bank send to me the bill to pay that money with late fees and interest I said I all ready paid the full amount on time by using my debit card through XXXX XXXX XXXX They said no there for i went to XXXX XXXX XXXX and XXXX XXXX XXXX branch and I told to one of the Customers relishing XXXX XXXX she check my account and she approved as they paid for XXXX XXXX store by check and she call XXXX XXXX and XXXX to the grocery store XXXX and Comenity Capital bank they took by phone on XXXX ways system in front of me and agree to Investigate what would happen on the other week phone conversation Discussion they investigate the paid check in XXXX XXXX XXXX then that check back to XXXX  XXXX XXXX to readjust to Comenity Capital Bank and that is done on time.But Comenity Capital bank continue send to a bill to pay them late fees and internet but i said I all read paid the full amount once on time so I dont have to pay other fees and internet after different discussions XXXX  XXXX XXXX agreed to pay under my name through XXXX XXXX XXXX {$220.00} and we did that too. But Comenity Capital bank still needs I pay late fees and internet after they received so I refused to pay again with no tangible reasons this is in short what happened between me and Comenity Capital bank. 
I send XXXX pages documents with XXXX pages Covering letters on XXXX XX/XX/XXXX to Consumer Financial Protection Bureau please review that shows all the details.
Consumer complaint received 2022-03-18
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. (VA)

I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
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 received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-02-19
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, XXXX XXXX, and Comenity Bank XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Comenity Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (LA)

I was informed by the Consumer Finance Protection Bureau to speak to XXXX XXXX regarding my complaint. Mrs. XXXX has blatantly refused to provide the requested documentation pertaining to authorizations for both the debit and credit card accounts. I have repeatedly requested copies of any any all authorizations for any debit cards and/or credit cards. I have not received the requested information after three to five months of requests. This information is required for me to have XXXX XXXX XXXX XXXX XXXX XXXX arrested for stealing my identity. I can be reached at XXXX, XXXX XXXX.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MD)

According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, account number XXXX Account name 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 2024-03-10
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. (TN)

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted XXXX in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Consumer complaint received 2022-03-18
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I sent a letter via Consumer Financial Protection Bureau ( Case # XXXX ) to Citi detailing a fraudulent charge posted on my Citi Rewards+ account ending in XXXX. In response to my complaint, Citi claims they " no longer have the means to further assist me. '' This is in direct violation of XXXX 's XXXX XXXX XXXX XXXX https : //www.XXXX.us/en-us/personal/get-support/zero-liability-terms-conditions.html ) that Citi should abide by since the issued card is a XXXX. 

I have provided significant evidence to Citi in order to show that I should not be responsible for the {$1100.00} charge on XX/XX/XXXX by XXXX XXXX XXXX XXXX. There should be no reason the bank would not be able to assist me further with this case. 

I had canceled the original purchase and now the merchant is showing a receipt under someone else 's name for a product delivered to someone else while charging my credit card. I have not received anything from this merchant nor authorized the charge on my card. I should be protected under XXXX 's XXXX XXXX XXXX with no issues at all.
Consumer complaint received 2022-04-17
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. (KY)

I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX XXXX XXXX XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX XXXX XXXX Bank to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX  out in their system.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated
Consumer complaint received 2016-02-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC (NH)

I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!