davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, my cell phone was hacked and money was taken out of my account about a XXXX dollars. I disputed it the very next day. But my dispute was denied because it happened on my own device and on my own Wi-Fi. But I had reported that my divorce was hacked. They will do nothing more. I had called XXXX. They had me down load an app which apparently gave them access to my device and my Wi-Fi. I thought there were laws protecting consumers from this kind of fraud. It was PNC Bank. I did not willingly send anyone this money and I never thought XXXX knew what sell was. Please help me.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I filed a dispute with my bank ( XXXX  XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-13
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: Affirm Holdings, Inc (WA)

I did not open this account ; someone using my information opened the account. I tried to contact AFFIRM INC, but they don't list their contact information. I have disputed this with XXXX, and they tried to tell XXXX they confirmed it was me. I know for a fact they never reached out to me personally.
Consumer complaint received 2022-08-23
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. (FL)

I have a pending {$6100.00} dispute w/ Citi Bank involving XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I hired this company to do general contracting work to my home including electrical and plumbing. A month into the project, after the work was not done -- and the contractor had XXXX volt electrical wires outside my home taped together w/ masking tape -- sewage running under my home w/ no plumbing -- and left me without water for days -- indicating they did not know how to do the plumbing for the hot water indicating they were not a plumber -- I discovered the company was actually not a licensed contractor and terminated them. They came and retrieved all of their materials and tools on XXXX XX/XX/2022. None of the work was completed and significant damage was done to my home. 

Despite providing this information to citi, along w/ documentation from the licensing board showing it was illegal for this company to accept any of these jobs or perform any of the work -- they did not resolve the dispute in my favor, claiming they needed more information. 

I provided them the contract, the receipts, photographs of the damages, documentation showing the company was not licensed, and copies of the owner 's approximately XXXX prior arrests -- -including arrests involving his illegal work. I also included proof of negative reviews of him doing this to multiple other people. 

I disagree w/ their dispute process. This individual is not licensed to perform this work. Not only did he not perform it, but he did extensive damage to my home. Citi should not be siding w/ criminals and criminals should not be paid for their illegal practices.
Consumer complaint received 2022-08-23
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. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-06-23
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-05-13
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. (NY)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

in accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I depositwd {$4300.00} to my bank account. The ATM gave me a rwceipt to call an XXXX number. I did the next day and filed a claim. I was given my twmporary credit. As of today XX/XX/XXXX Chase bank is telling me that the investigators only fpund $ XXXX.My accou t is currently negative - $ 2000+ with all my autobills pending. And they dont want to help out. I have requested for xamera footage and further investigation. I called and even went in person to the branch where the ATM is located. And no help nor response.
Consumer complaint received 2022-08-23
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. (FL)

This pertains to XXXX credit cards that I had with XXXX. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted XXXX ( via phone on XXXX, XXXX ( XXXX different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At this time, all XXXX cards were cancelled, and I only asked to receive a replacement for XXXX of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from XXXX was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the XXXX 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from XXXX XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, Experian, and XXXX Identity Theft groups. XXXX had posted a negative report ( late payment ) for a balance on XXXX of the closed cards. Experian made initial attempts to rectify, and XXXX rejected the claim as invalid. I provided Experian with the written confirmation from XXXX that this was fraud that I was not responsible for, yet it appears that XXXX tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
Consumer complaint received 2021-06-23
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. (IL)

Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (AZ)

JPL Recovery Solutions repeatedly calls me even after I have told them to stop. The debt they are trying to collect is not mine and is that of a relative. I have cited the US Code that requires them to stop calling when I asked. They have threatened to continue calling and have told me on the phone that they will dock my relatives pay.
Consumer complaint received 2022-06-09
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: Convergent Resources, Inc. (FL)

I sent an Affidavit of Truth and an Invoice to Convergent Outsourcing, here is the tracking # XXXX. This company have not responded nor paid the invoice. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

There is no third party involved in this situation
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NE)

I paid off my car loan in XX/XX/2021 and it is still being reported as owing on the account and for an even higher amount than the pay off was. I received the title XX/XX/2021 and am being reported on my credit history as late for the month of XXXX. XXXX and XXXX show no data given by the company. I have verified via the online account with ally that I had that the money was put towards the remaining balance and it showed {$0.00} owed. I opened a dispute with XXXX  and XXXX  and received notice that the owed amount was correct and in excess of the actual final amount. I called ally twice in 2 months and they refuse to do anything to expedite this matter and reconcile my payment with the credit bureaus as being paid in full. My credit has dropped almost 75 points after having made the pay off ... the complete opposite of what it should have done. No one seems to care that my credit is tanking because of this. It is an easy matter to fix and they are dragging their heels while I am personally suffering with these negative marks on my credit history. 

I am submitting a screenshot of my account with ally-I can no longer access payments or statements ( which were online statements to cut down paper ) but it does show I no longer have an active vehicle loan with them. I have also submitted a picture of my title-which I would not have if I still owed any money to ally.
Consumer complaint received 2022-10-24
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (UT)

Hello, I am currently using Discover Bank for my savings account. 
I recently purchased a home with a closing date of XXXX XXXX. My lender gave me the bank details with the title company to which I was supposed to initiate the wire ( domestic ). 

I initiated the wire transfer on XX/XX/2022 itself with the amount of {$190000.00} Discover did some verification with me on behalf of the federal reserve and on XX/XX/2022 they mentioned that the wire transfer has been completed. They deducted the funds from my bank account on XX/XX/2022 and gave me a reference # XXXX that the wire transfer is complete. In the message, they said it can take maximum 2-3 business days. 

On XX/XX/2022, my lender company officer reached out to me and told me that the title company bank has not received the funds. I called in discover bank, we verified all the account details to where the funds were supposed to go and everything looked good and they said they will initiate a trace. 

On XX/XX/2022, I called in again to Discover to get the status and they said they have no update from the federal reserve. 

On XX/XX/2022, My lender company did a conference call with discover and asked the discover bank to provide an OMAD # associated with the wire, and discover was not able to provide that and asked me to wait for 1 more day. 

On XX/XX/2022, I called Discover and asked for the OMAD # and they said they don't have it and the only update they gave me is that it's with the federal reserve pending bank verification, which i don't know what it means, neither discover could answer. 

On XX/XX/2022, I called Discover and conferenced in the receiver Bank officers, my loan title officer and they pressed discover bank to provide the wire tracking OMAD # then also discover was not able to provide the wire tracking #. 

I got a message from my lender and title officer that without funds into the escrow amount, I may potentially have to lose the house or pay additional funds to close, my existing loan terms may change, and I may be subjected to additional rate lock fees if the funds are not received by XX/XX/2022. 

I have been on calls daily with my lender, and the " discover bank '' and spending almost on average 3hrs during my job work hours a day to deal with this situation and it has caused me mental stress, and embarrassment. I just hope discover doesnot do the same dealing with another customer.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-07-31
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. (GA)

The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) Experian ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( I called XXXX and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
XXXX XXXX XXXX ).
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter to remove personal information and Inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than XXXX business days. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-13
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: EQUIFAX, INC. (TX)

I paid for monthly membership for the past few months and was never able to access an updated credit report and score. Everytime I called in, they would only apologize but never refund or credit my account. I still can not access it online updated.
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NV)

HONOR FINANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-07-31
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)

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting XXXX XXXX correct In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting XXXX XXXX accurate. 

XXXX. XXXX XXXX Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.