davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have contacted Experian via USPS Certified mail on several occasions now about an account on my credit file affecting my credit score which is showing incorrect data such as late payments. The account XXXX XXXX XXXX XXXX, Acct # XXXX, 30 Days Past Due, and 60 Days Past Due which is not correct information because I have never been past due. 

I have reached out to XXXX XXXX XXXX XXXX Branch Manager XXXX XXXX in reference to this incorrect information, and she wrote me in an e-mail stating that there are delinquencies being reported to the credit bureau at all. I forward a copy of this communication from the Branch Manager to Experian after I disputed the account and Experian still says the account information is correct even tho I reached out to the bank who states no delinquencies being reported to the credit bureau. I am trying to resolved this matter asap or I will be force to file court filings in this matter against Experian. 

Experian keeps verifying the account information is correct when it's indeed incorrect. The Experian Report # XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The loan with XXXXXXXX XXXX entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/year> the account entered into an agreement to begin repayments in the form of XXXX trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/scrub>XXXX XXXX XXXX  in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (AZ)

My social security money did not get deposited into my checking account for XX/XX/2023. I went to the local social security office where they told me a fraud was hit on my account. My money was sent to a PNC bank in Pennsylvania with an account number that does not belong to me. I took this information to my local PNC bank here in XXXX, AZ. The manager there told me the account number the social security agent gave me is not a valid number. 
I filed a fraud report with social security and at PNC bank 's retail support department in North Carolina. The PNC case worker said she could not verify the money was ever sent from social security and I should tell social security to cut me a check. The agent at social security told me they sent the money was to the PNC account and account belongs to me. When I told this to the case worker said " The money is lost. I've gone as far as I can go. You're never going to see your money! Case Closed! ''
Consumer complaint received 2022-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On the evening of XX/XX/XXXX, someone successfully used my debit card ( likely through XXXX XXXX  ) for XXXX $ at the XXXX XXXX store in XXXX, XXXX Then someone tried to use it in a XXXX store. I received an email from Chase bank that someone is trying to make a purchase for XXXX $ at a XXXX store. I selected the option that it was " not me '' and then called the Chase bank. The transaction was blocked and hence my card was also blocked. 

Then within the next hour, I received an email that someone from XXXX XXXX phone number XXXX by the nickname of XXXX XXXX was added as a recipient in my Chase bank XXXX account. I immediately logged in to my Chase Bank mobile application and removed that recipient as I knew that someone was trying to do fraud, especially when my card had already been used within the last one hour. I called my bank and they told me that the XXXX transactions which the fraudster was trying to make were blocked. My Chase mobile app access was blocked and I was told to go to a Chase branch. After a day or two, I was able to go to one of the Chase branches near my apartment in XXXX, Michigan. There, I found out that XXXX out of XXXX XXXX transactions went through ( the third one out of the XXXX transactions in order of their timing ). It was for XXXX XXXX My bank opened a claim and gave me a temporary credit of XXXX XXXX Later, my bank sent me a letter dated XX/XX/2022 stating that they have taken credit of XXXX $ back from me as they said that they did not find any evidence of fraud on their review. 

The bank manager helped me in pursuing my case and an inquiry was opened. My Case manager from Chase bank wanted me to file a police report in the territory of the phone number XXXX which is XXXX XXXX. I have filed a police report both in XXXX as well as XXXX. I recently got a call from the Chase Bank case manager that the decision from the Bank remains unchanged after their investigation. 

At this point, I feel like the bank is not trying to help me and I feel lost. They do not give me any other reasoning except for the fact that an IP address was used near to my area and that a face ID was used. I have no idea how that happened and I also do not know why the Bank was not able to stop these transactions especially when they already knew that there had been fraudulent activity happening on my account earlier that day. I would really appreciate it if you can help me in this regard and assist me in getting my hard-earned {$500.00} back. I am attaching all the relevant files of evidence along with the three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively from the Chase bank denying my claim. I am happy to provide any further information if required.
Consumer complaint received 2022-03-05
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: Early Warning Services, LLC (NY)

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/XXXX this year i will be graduating XXXX XXXX so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with PNC Bank, which failed to respond to any of my complaints since XXXX last year. 
Please see the attached PDF file containing all relevant documents and evidence, as well as my claim.
Consumer complaint received 2022-06-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IN Account # XXXX, XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX MI XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IN Account # XXXX, XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX MI XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTIONS USA, INC. (AZ)

You've paid off 44 % of your collection amount. 
Balance {$2200.00} Highest Balance {$4000.00} Opened XX/XX/2015 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original Creditor Name XXXX XXXX APARTMENTS **I WAS UNAWARE THAT THE COLLECTION WAS SENT TO A COLLECTIONS AGENCY. WE MADE ARRANGEMENTS WITH THE LADY IN THE FRONT TO TAKE CARE OF THE CHARGES. WE LEFT HER OUR FORWARDING ADDRESS. WE WEREN'T TOLD OR GIVEN NOTICE THAT THE CHARGES WERE BEING SENT TO A COLLECTIONS AGENCY. THE COLLECTIONS AGENCY CALLED AND DID NOT STATE THAT THEY WERE CALLING IN AN ATTEMPT TO COLLECT A DEBT, THEY DID NOT VERIFY MY IDENTITY BEFORE THEY STARTED TALKING ABOUT MY ACCOUNT. THEY GAVE INFORMATION OUT OVER THE PHONE WITHOUT GETTING CONFIRMATION THAT ITS THE CORRECT PERSON ON FILE. I WAS NOT GIVEN ANY PAPERWORK LETTING ME KNOW OF THE RIGHT TO DISPUTE DEBT.
Consumer complaint received 2022-06-19
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. (AZ)

Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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. (IL)

In accordance with the fair credit with the fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-03-05
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. (MS)

In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX, XXXX my debit card was stolen and i had {$1000.00} stolen from me by Unauthorized ATM Withdrawals. 

Today XX/XX/XXXX another {$970.00} was stolen via ATM. 

I filed a fraud claim with Wells Fargo through the Online Banking system they have setup, i would like to file a Regulation E claim on these transactions as they are unauthorized from a stolen debit card.
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

On XX/XX/2022, I, XXXX XXXX, a natural person, requested Discover Bank on the Consumer Financial Protection Bureau ( CFPB ) portal to provide me with a 1099c form, due to Discover Bank has my account listed as Charge-Off with the amount of {$1200.00} to all the major Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX XXXX XXXX However, Discover Bank has responded on XX/XX/2022 and made it clear Discover Bank CAN NOT provide me, XXXX XXXX, a natural person, with such documentation ( 1099c ) as I requested. Without further ado, as I am investigating this matter, this is a violation pursuant to 26 U.S. Code 7203. Willful failure to file return, supply information, or pay tax. If they are listing the account as a write off and fail to provide the form, pursuant to 26 U.S. Code 6655 is another violation. 

Best regards.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (TX)

As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.
Consumer complaint received 2022-06-19
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. (FL)

I have reached out to XXXX and XXXX XXXX, Experian several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..
Consumer complaint received 2022-06-19
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. (IL)

In accordance with the fair credit with the fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-03-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

on XX/XX/21, I wrote XXXX, Experian, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.
Consumer complaint received 2022-03-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

on XX/XX/21, I wrote Transunion, XXXX, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NV)

XXXX XXXX  which services Sterling Jewelers credit card is reporting a list of inaccurate information on my closed Sterling Jewelers credit card account. I had filed a complaint with the XXXX about XXXX XXXX  reporting unauthorized accounts on my report which they had to remove. Immediately after, my Sterling Jewelers account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX  XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX  XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX  Complaint against XXXX  which they closed without my reply, and a XXXX  Complaint against Sterling Jewelers which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Consumer complaint received 2022-06-19
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. (IL)

In accordance with the fair credit with the fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also
have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-15
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. (CA)

I purchased a laptop from XXXX online store on XX/XX/18. XXXX claimed to have delivered the item XX/XX/18 to my home address. However, I was out of state from the morning of XX/XX/18 until XX/XX/18 as can be seen by my XX/XX/2018 credit card statement that I have attached. I filed a dispute to my credit card company Citibank. Citibank contacted XXXX and XXXX responded with invoice and tracking confirmation from XXXX   that stated that it was delivered but I still do not have the product. The credit card company now claims that they can not do anything now because XXXX provided a tracking confirmation about the delivery. They would not do anything even with a police report ( attached ) to back my statement. They asked me to contact XXXX and try to resolve the dispute. I tried contacting XXXX with no success. Their customer representatives repeatedly transferred me in circles multiple times lasting for about an hour. Citibank is forcing me to pay for the bill for an item that I did not receive.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian refuses to do a proper investigation on records that they have incorrect on my credit file. I have reached out to the courts and the courts stated they don't report to any credit bureaus or any 3rd party agencies. The information that Experian is reporting and refusing to remove or investigate is incorrect, and Experian refuses to send me any documents of their investigation.