davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (CA)

In Accordance with the Fair Credit Reporting Act Convergent Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Consumer complaint received 2022-12-16
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. (CA)

XXXXDEPT OF ED account XXXX In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX removed this false report. 

Experian need to remove XXXX XXXX. I have had no service to that would account for {$4600.00} bill. Its a XXXX  service. what could possible cost {$4600.00}? 

It is a false and fraud claim. Please remove it ASAP.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I have contacted Citibank several times over the past year to change my due date from 15th to the 30th. I requested this over the phone, through chat and also they mailed us a form to complete to request the change which was completed and returned. Every time i contact them since this time they advise the system is down and they can not help. In the meantime due to financial matters i can not make the payment on the 15th and they are now charging me late fees each month even though they are fully aware that a simple due date change would put me current and avoid the fees. The resolution was to put me into a payment plan for a payment on the 15th which DOES NOT help me. The late fees and charges keep accumulating in the meantime. I just want my date changed to the 30th and to have the late fees reversed due to this matter.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlanticus Services Corporation (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by XXXX XXXX. I was notified of this transgression specifically XXXX XXXX XXXX The Truth in Lending Act by XXXX  XXXX ( XXXXXXXX  ) on XX/XX/2021 on their website after completing my pre approved online application. I as a natural person was harmed by XXXX XXXX adverse action taken against me denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are up to ( XXXX XXXX XXXX is now civily liable to pay me for the damages.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has denied me a total of XXXX loans with no reason given other than " whatever XXXX is sending us back is the reason why your loans keep being denied. '' Navy Federal Credit Union is in collusion with XXXX to deny majority XXXX members mortgage and personal emergency loans. 

It is public knowledge that XXXX has been sued for causing tenants and potential homeowners to be denied housing. 

I believe I am also being denied housing directly due to the illegal behaviors of Navy Federal Credit Union in collusion with XXXX.
Consumer complaint received 2022-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CA)

On XX/XX/21 I was denied access to my cash balance of {$46.00} which was deposited with my prepaid paypal cash card. I have a cash balance of {$46.00} that I want to withdraw so I can close my account. All transactions involving my account are being declined. Paypal says I am a permanently limited account holder and denied use of my account... .unable to proceed after login. I get a block that says problem with account contact support, I go to contact us ... and it says access denied. I only want the money I put in the account... It's money I prepaid. Thank you, XXXX XXXX
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

My family was scammed out of a home we tried to purchase. We made 2 payments of XXXX $ via XXXX to XXXX as a down payment for a new home. First payment was made on XX/XX/XXXX and second payment was made on XX/XX/XXXX. I notified my bank and they restored my money along with a new card. They just sent all the money back and charged me causing me to go broke and late on payments. We have a police investigation open as well case # XXXX in XXXX
Consumer complaint received 2021-11-12
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: Social Finance, Inc. (PA)

Approximately XX/XX/2021, I began receiving telephone calls from SoFi Lending Corp ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) at both home and mobile asking me about an application for a loan. Multiple times, I explained to the SoFi representative that I was not familiar with the company nor had I applied for any loan. The representative agreed to remove me from the call list, but I still received calls and blocked the number. I thought SoFi was a fraudulent business. It was not until -- fast-forward, XXXX during a visit to my banking institution -- that I learned that SoFi was a " legit '' financial institution and that my credit report reflected a SoFi loan in the about of {$46000.00} which had been past due since XXXX, and, with late charges, it is now about {$48000.00}. I called SoFi immediately and explained to a representative that I have no knowledge of such an account and suspect fraudulent activity. Looking at my credit report, my score has dramatically decreased since XXXX. I can not have my exceptional credit score put in jeopardy due to identity theft. 
I have filed a dispute through XXXX as well. Hopefully once this fraudulent account is removed from my report, my score will improve.
Consumer complaint received 2021-11-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IN)

PNC Financial Institution does not follow customers banking preferences. They charge fees they do not disclose when opening an account through PNC. They will send transactions to debit from your account in a way that gains overdraft fees for their bank. PNC does not offer a valid email address to escalate complaints or to request reimbursement of charges made to the account. PNC claims to have rewards for using their debit card for various merchant debit transactions, but no points or rewards have been received by any PNC customers. PNC does not offer any type of resolutions to any discrepancies on checking accounts and customers can never speak to a manager unless you ask for a call back up to 3 days later. PNC will keep cash deposits pending for up to 5 days at a time. Payroll checks also remain in pending status for up to 5 days at a time. PNC has thousands of customers claiming to have money stolen from their account or money never showing up in their accounts. PNC will debit large checks from your account first and bounce several other small transactions or deny the small transactions if there is not sufficient money in the account. PNC will take this action against your preference to opt out of their overdraft protection. PNC has policies in place that allow them to do whatever they want and the government supports these actions to innocent banking consumers.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ACC XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
tXXXX : XX/XX/23 Experian : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Had a alert from credit agencies that a collection was placed on all 3 bureaus. Don't no what it is or never contacted. Closing on house in 3 weeks and bank needs resolution. Thank you and please get removed. Checked on this company and found numerous complaints.
Consumer complaint received 2022-12-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Oklahoma Student Loan Authority (FL)

I was told false information about the school and program. They avoided all my questions that would have revealed them being a private school the cost of attendance and financial advisor never spoke with me or return my called. I asked a week before my monthly attendance to be removed from the school due to false advertising and my advisor stop contacting me or neither return my calls after the information had been revealed and I told the school that's not the information that I received. They yet have removed me and I told them about my last school who had done the same thing and that's why the advisor lied to me. I knew when she asked me do I know anyone who is interested in furthering their education that they was a scam and enrolled students telling lies just like my previous college. Advisors lie to enroll students to get paid...
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NJ)

Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake!
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. ()

Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXD FUNDING 3XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXXt 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 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have called Equifax on several occasions since XXXX and disputed items over the phone. To no avail. they continue to report inaccurate information on XXXX, re-aged accounts. Accounts that I have no knowledge of the debt. Debt aging back to 2009. I have sent them a certified letter in re-gards to the inaccurate reporting. They have damaged my credit rating and I have been unable to obtain a mortgage or new credit. This has cause me distress. They have lowered my credit score to XXXX when I have XXXX open accounts in good standing for almost a year. They refuse to acknowledge this and report a better credit score. They have really hindered me. I have tried unsuccessfully to get results from them. My next step is legal action. So I am reporting my claim to you as well and will disclose my final attempt for them to correct the matter.
Consumer complaint received 2024-02-16
Product: Credit 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: NAVY FEDERAL CREDIT UNION (GA)

XXXX. In the year of XXXX, Navy Federal Credit Union allowed multiple merchants to charge fraudulent purchases to my account. 

XXXX. In XXXX of XXXX, I purchased a phone from XXXX XXXX XXXX for {$64.00}. 

XXXX. I returned the phone XXXX minutes after leaving the phone. 

XXXX. I provided Navy Federal Credit Union with a police report I filed for the fraudulent activity, as well as an incident report that I filed with XXXX XXXX XXXX. 

XXXX. Navy Federal Credit Union stated that they needed a return receipt in order to show that the phone was returned. 

XXXX. I provided Navy Federal Credit Union with the return receipt and my dispute was still denied with no reason given. 

XXXX. In XXXX, Navy Federal Credit Union has continued to allow merchants to steal money from my checking account. 

XXXX. XXXX fraudulently charged me a {$30.00} cancellation fee for an order that was delivered. 

XXXX. XXXX also fraudulently charged me in the amount of {$21.00} for an order that their delivery driver did not deliver. 

XXXX. Navy Federal Credit Union refused to open disputes on the previous XXXX fraudulent charges.
Consumer complaint received 2022-10-12
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. (FL)

Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU 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 : it also states a consumer reporting agency can not furnish a account without instructions.
Consumer complaint received 2021-11-12
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. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2022-03-29
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. (IL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-12
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. (PA)

On XX/XX/2021, Experian closed my complaint ( XXXX ) stating that the information I provided for my dispute was inaccurate and did not appear on my credit report. Experian has not only allowed companies to fraudulently open account without my knowledge and consent, and to make matters worse Experian did not and does not have my permission to make or furnish my credit report, but now Experian is falsifying information. The information I am disputing was on my credit report as of XX/XX/2021 and I will attach a picture to prove this. 

Since Experian has allowed this information to be viewable on my credit report, I am held back from seeking credit elsewhere as my scores will steadily decline. Most important, the credit line I was seeking to obtain was denied because it appears as if I have too much debt in personal loans. This account has limited my purchasing power.