davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

On the morning of XX/XX/2022, I realized within 10 minutes after submitting two XXXX payments, that I had been scammed on XXXX XXXX after listing several items for sale on XXXX XXXX. I immediately walked from my university library to the PNC branch on campus that was about 5 minutes away, to notify them of the issue. They basically said " the transfer is immediate, we can not stop it '' even though the amount had not yet been deducted from my account and PNC, along with XXXX could totally have arranged the transaction to be canceled right there and then. They told me to wait for the amount to be posted on my account before filing a dispute, and proceeded to give me a wrong number to contact. 

I filed a dispute with PNC with no favorable results, even after providing details about the transactions, the XXXX accounts that the transfers were made, etc. In addition, I was provided a letter that said I could call to hear the details of a dispute, with a number provided. When I called the number, no one could give me ANY details about the dispute even after multiple follow up calls and transfers. They scheduled to have a supervisor/manager call me back after I provided them with my available times, but it is as if they INTENTIONALLY call me outside of the available times I had provided. I have been a loyal customer to PNC for 10 years and the last supervisor/manager I spoke to asked me in a very disgruntled way, " what do you want? '' and proceeded to send me around on another wild goose chase with no additional useful information. 

The total amount of these XXXX scams were {$350.00}. PNC along with other banks, OWN XXXX. Therefore, PNC as the owner of XXXX, AND the bank I chose to bank with for the last 10 years should take responsibility by refunding {$350.00} to me. ( The amount of the transfer that I had promptly requested to be cancelled. ) PNC also needs to take responsibility for their refusal to provide additional details on my dispute and take better steps to address disputes in the future. I am happy to provide any additional documentation or photos needed in a follow up. But please do not waste more of my time unless you will, in fact, process this refund back to me. 

XXXX scams appear to continue to affect many people. Enough that it is still a huge news topic even today. Banks like PNC and others that own XXXX have been unethically evading responsibility for long enough. Please hold them responsible!
Consumer complaint received 2022-12-01
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-21
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX XXXX XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-01
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. (TX)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my account right away. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-26
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. (NC)

Experian consumer membership platform suddenly showed XXXX points drop retroactively ( backwards 6 months lowered from Excellent to Good ), while other platform services, including reuse of Experian 's data remained intact ( XXXX points higher in the 6 months unaltered ). 

Informed Experian, but customer service kept sending feedback as they do not control FICO calculation, instead of investigating how the consumer platform and possibly its own record keeping system could have been compromised to lower XXXX points backwards in time for 6 months. 

The annotation of few points lowered this month, does not equate to about XXXX points displayed lowered.
Consumer complaint received 2022-12-01
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: Shellpoint Partners, LLC (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX NR/XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

In a nutshell, Barclays is incorrectly reporting a 30-day delinquency to the credit bureaus and has refused to remove it. Minimum monthly payments had been set up since the card was opened in 2009, but fell off without my authorization or knowledge and caused the late fee ( that they refunded and then lied about, saying it wouldn't affect my credit ). 

This whole situation is straight-up fraud and not ok in the slightest - especially considering I was a loyal customer for 13 years who made every single payment on time and paid the card off in full several times. 

Barclays is a disgrace and I will NEVER do business with them again in any regard and I will urge everyone I know to stay away from them too. This is not how you treat people and I am at the end of my rope trying to get this situation resolved. It's affecting my credit when I have done everything right to protect it over the last 30 years. NOT OK! 

I have contacted Barclays no less than 3 times with urgency to get the full year of statements prior to closing the account to prove that I always had autopay turned on, but no one is getting back to me. If I don't hear back from someone to get this resolved and the mark removed from my credit reports, I will sue. None of this is ok. It's fraud and negligence and it is affecting my livelihood. I will not stand for it.
Consumer complaint received 2024-02-13
Product: Credit 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: NAVY FEDERAL CREDIT UNION (CA)

I had XXXX fraud back-to-back online cash advances done on my credit card w/ NFCU. I have been receiving notifications my info was listed on the XXXX market web via XXXX. On XX/XX/XXXX a person by the name of XXXX XXXX was fraudulently added to my credit card account as an authorized user. They committed XXXX fraud online cash advances. I have NEVER done a cash advance & these types of transactions are out of my character. In my 5 year history w/ NFCU, I have never done a cash advance, so this should have prompted security verification of this fraud. Even with this being out of character for me, the bank never sent me any sort of notification/text to attempt to verify these transactions were authorized by me so I could attempt to stop the fraud. There are XXXX separate transactions done back to back, XXXX FRAUD Transactions : Transaction # XXXX, online cash advance, was for {$2500.00}, Transaction # XXXX online cash advance was for {$4900.00} and XXXX XXXX online cash advance was for {$4000.00}. 
TOTALING {$11000.00} in fraud online cash advances done after hours with NO verification! 

I never received any notification from the bank regarding what was happening to my account. I keep the balance at {$0.00} and keep my credit card account locked. I believe someone at Navy Federal Credit Union leaked my information to someone who added XXXX XXXX ( a person is unknown to me, I do not know this person ). Once this person was added to my credit card account they committed XXXX fraudulent, unauthorized online cash advances. The only reason I know the name of XXXX XXXX is from my banking statement. The bank would not give me any further information so I am hoping the police can help bring justice. I did not authorize, approve, benefit, or have knowledge of this fraud. It was not until I logged into my bank on XX/XX/XXXX that I saw the balance on my credit card and instantly became sick and panicked and called the bank to report that I had been a victim of ID theft and there was fraud on my account.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (LA)

I leased a XXXX Kia XXXX and it was stolen and considered a total loss in XXXX of XXXX. My insurance company ( XXXX XXXX ) paid out the total amount owed to the insurance company ( {$20000.00} ) and cut me a check for the remainder minus deductible. A few months later I began getting letters and calls from Kia Finance America stating that I owed them {$670.00} for " Primary Insurance Deductible ''. I called my insurance company and they stated that this should not be so and they emailed me a copy of the Letter of Guarantee in which Kia would release the title and claims to the vehicle following payment of {$20000.00}. The insurance company reached out to Kia but was unable to get any answers from them. Several months later they reported to the credit bureaus a charge off on my account of {$670.00}, which dropped my hard earned score 100+ points.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 my husband 's wallet was stolen on a business trip. We became subject to fraud across all of our accounts. The fraudster was successfully able to obtain {$4100.00} out of our checking account and managed to XXXX themselves {$3000.00} as well we don't know how but Wells Fargo did not block these withdrawals and failed to stop these charges from happening. We reported this to Wells Fargo as soon as we realized the wallet had been stolen ( morning of XX/XX/2022 ). We filed a police report and submitted the police report to the fraud team. We've spent hours with various representatives at Wells Fargo on the matter and no one has proved to be helpful. We feel violated and unprotected in banking with Wells Fargo that they would take this situation so lightly and not support us in an emergency situation of theft to our account when they claim to provide insurance in situations of fraud.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2021, I received a suspicious text message purportedly from Wells-Fargo Bank, stating my Debit account is locked. The subject line in the text gave a contact phone number as XXXX XXXX XXXX XXXX. I looked up the phone number on several online Reverse Phone Number sites, and all the sites gave me the same name of a supposedly real person ( XXXX XXXX ) including a home address ( XXXX XXXX XXXX, XXXX XXXX GA XXXX. I did not attempt to call this number/person, but notified Wells-Fargo XXXX in XXXX. Wells-Fargo confirmed that my Debit Account was not locked and is current. Wells-Fargo didn't seem interested in pursuing this any further, only stating that this was " possibly a scam attempt ''. Since there was an actual phone number and it was associated with a real person, I thought Wells-Fargo Bank would want to pursue this further for possible prosecution.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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. (GA)

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXX XXXX XXXX All others are fraudulent
Consumer complaint received 2021-09-23
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I have been placed on a write in only status and the company refuses to allow me to call, view obtain or dispute information about my credit file.
Consumer complaint received 2022-12-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX : {$820.00}.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MD)

Since filing my bankruptcy, Navy Federal Credit Union has placed an alert and flagged my account about my bankruptcy proceedings and the loss they incurred. 

Since the discharge of the bankruptcy, this flag has remained on my accounts. When I requested the flag 's removal due to the discharge of the bankruptcy, XXXX of their agents in their bankruptcy department stated that it was there for legal purposes and would not be removed. When I inquired if it would be on indefinitely or if there was a date when this would be removed, she declined to answer and said, " I can't say. '' As a result of this flag, I do feel discriminated against in some regards in doing business with the agency as the first thing that pops up on their screen before they can have a chance to interact with me as a valued customer is the red flag alert, 'THERE IS A LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). ' My accounts with this organization were never delinquent when I entered into bankruptcy, as I always held good standing with them.