davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (GA)

In Spring XXXX I opened a Robinhood Account, having heard about it for a few years, I felt they were credible. In XX/XX/XXXX, I tried to log in to my account with my correct password and the system kept saying it was incorrect. I changed my password easily on XXXX XXXX, XXXX, I was able to log in and conduct business with the new login. On, XXXX XXXX, XXXX, when I tried to log in I could not get in and had to reset the password, AGAIN. On XX/XX/XXXX I requested to change my password again to access my account. After changing my password, I was told I had to submit the SMS that was sent to me. I never put my cellphone on the account. Robinhood then sent a message stating they needed a copy of my I. D. to verify this was my account. I declined as I did not need an I.d . to open the account. ( Case ID XXXX ) I again tried to change my password on XXXX XXXX, XXXX-Case I.D . XXXX. They stated they will be in touch in 3 days, I have not had any assistance. I again emailed support as they are advising others on their social media pages and no one has answered. 

All the while an EFT is still being withdrawn from my banking account. I personally believe the company has been hijacked, as I have never had an issue with them before. The need to be more truthful and transparent. 
I just want to close the account and move on. There are hundreds of people in the same boat, If they have closed shop-just give us our money back.
Consumer complaint received 2019-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

PNC Bank is committing MORTGAGE FRAUD & is in Violation of a Court Order by the NJ Superior County Court. 

PNC BANK Refused to follow a Court Order Power Of Attorney, granting me ANY & ALL access to manage, make changes, sign on behalf of the borrower ( my ex ). 

The Court Order was sent 3 times by fax & Email ( Exhibit attached - emails & Fax Records ) The Consumer & Mortgage Fraud & PNC 's efforts to STEAL my property, are evident in the bank having selectively provided me with information regarding this account at times, then denying access to the account balance and variable payments required by the payee, so as to set up the payee towards a default. 

DESPITE BEING THE PAYEE MAKING PAYMENTS & HAVING RECEIVED THE POA & THE PRIOR AUTHORIZATION TO ADMINISTER THIS ACCOUNT SINCE XXXX, AND MY REPEATED FAXED REQUESTS FOR MAILING STATEMENTS TO THE PROPERTY ADDRESS, PNC HAS INTENTIONALLY IGNORED ALL OF THE ABOVE. 

NOW THIS FILE IS IN LOSS MITIGATION AND PNC REFUSES TO PROVIDE ME WITH ANY INFORMATION ON THIS ACCOUNT I have been making payments diligently on this account. 


Despite the Power of Attorney & authorization, PNC Bank has consistently denied me access to ANY information on this account. 

Further, despite receiving my check payments, with the property address listed as my address, AND despite the repeated faxed and emailed communications to PNC, to mail me statements and relevant documents, I have NOT RECEIVED EVEN A SINGLE STATEMENT, NOR ANY DOCUMENTATION REGARDING THIS ACCOUNT FOR ALL OF XXXX & XXXX YTD. 

I have made several calls to PNC customer service throughout XXXX and visited the XXXX XXXX NJ branch several times ( XXXX XXXX the issue being escalated to Executive Client Services ( XXXX XXXX - XXXX ) and PNC Legal Department. 

In the end I was informed by XXXX XXXX ( Loss Mitigation Department ) that PNC Bank WILL NOT FOLLOW THE COURT ORDER BECAUSE THE BANK WAS NOT PARTY TO IT & I COULD GO AHEAD AND FILE A COMPLAINT IF I CHOSE TO. 

Please investigate PNC CORRUPT BANK and the named staff for a resolution. 

I have been a loyal customer since XXXX and this bank is trying their best to steal my house from me, a single mother of a special needs child ... and make me homeless DESPITE MY MAKING THE PAYMENTS EVERY MONTH! I HAVE NOT MISSED A SINGLE PAYMENT SINCE STARTING IN XXXX!
Consumer complaint received 2022-04-26
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. (PA)

My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC (NY)

On XX/XX/2019, I received a call from XXXX XXXX ( XXXX ) XXXX. The message when I answered said I may be a party to a claim and that I could lose my chance to collect on the claim if I didnt hit 1. I hit 1 and was transferred to a debt collector. I then asked for information to be mailed to me and they told me no. I then asked that they not contact me at this number and they said they could. I again asked that they mail me something and they still refused. When I told them the robo message was deceiving and I wanted the name of the Debt Collection agency and their license number they refused to give it to me and hung up on me. I looked this number and name up online and nothing comes up, so I am unsure how to even figure out who the debt collection agency is.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who XXXX fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, l am demanding a deletion of the following account : XXXX XXXX, XXXX. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nam and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (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 Bank of America. The Account Opened is Bank of America Account Number : XXXX  Date Opened : XX/XX/2019 Balance : {$12000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$16000.00}. 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 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$830.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NC)

I, XXXX XXXX OPENED A SAVING ACCOUNT WITH CITIBANK ON XX/XX/2020!! THE ACCOUNT WAS FUNDED THROUGH AN EXTERNAL BANK!! IN ADDITION TO THE REQUESTED SAVING ACCOUNT, CITIBANK ADDED A CHECKING ACCOUNT WITHOUT MY AUTHORIZATION!! THIS ACTION BY CITIBANK, RESULTED IN A {$110.00} OVERDRAFT FEE FROM DAY! ( ONE ) XX/XX/2020, ON MY NON-REQUESTED CHECKING ACCOUNT!! SAVING ACCOUNT WAS FUNDED WITH XXXX!!
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (GA)

I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, XXXX notified me about a hard inquiry made on my credit from Capitol One-Cabelas. The inquiry was made on XX/XX/2020. I did not authorize nor request this, nor did I give permission for anyone else to do so on my behalf. On XX/XX/2020, I contacted all three credit bureaus to report the fraud, request a dispute to have this fraudulent request removed from my credit file, and place a freeze from future credit inquiries. I also contacted Capitol One on XX/XX/2020 to inform them of the fraudulent inquiry created on my behalf and to request a letter of deletion so the credit bureaus could remove this fraudulent information from my credit history. I spoke with an agent in Capitol One 's fraud protection department named XXXX at XXXX. She closed the fraudulent account. She also stated it would take 60-90 days for a fraud adjuster to complete an investigation and for them to notify the three credit bureaus to remove the fraudulent hard inquiry from my credit file. She could not provide me with a case number for me to follow up and ensure this fraudulent information will be removed from my credit history. She also said I would need to send them two forms of government-issued ID to provide me with a copy of the statement application.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I have an account with experian. when I try to log on, I can not. I have sent numerous emails, phone calls, XXXX messages, reset password, confirmed user ID. nothing fixes it, no one responds, can not speak to a person on any phone number. the year of birth is wrong and I am trying to fix it.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account COMENITYCAPITAL/EL D is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that 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 that are 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, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation