davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On or about Friday XX/XX/2023 I went into the PNC Branch XXXX XXXX XXXX. XXXX Pa XXXX. And once again the Bank Teller XXXX vindictively XXXX  up my deposit which was supposed to go into my Money Market / Savings Account as makes on the deposit slip. However instead she sends it to another account. And shes the most unprofessional bank teller Ive ever known because Im not there for a show n tell
Consumer complaint received 2023-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (TX)

I have internationally transferred {$420.00} through Ria Money Transfer on XX/XX/2023. However, the money is still ( XX/XX/2023 ) not deposited into beneficiary account though its delivery is promised no later than XX/XX/2023. I have contacted multiple times in this regard with Ria electronically and over phone but not resolved yet. Besides the respective representative is not interested in providing satisfactory answer for its delay or holdup though submitted all requested paper. I therefore decided yo bring this matter into the attention of CFBC. Regards,
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 2023-07-13
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: EQUIFAX, INC. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX 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 2020-05-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (FL)

My XXXX-year-old mother contacted me via postal mail with a bill that she and my father received in the post. It was a bill from ERC collections representing XXXX XXXX/XXXX for a debt from XXXX it had all my information on it including the debt amount and the details of it. I have never given out my parents address and have not lived there since XXXX. XXXX and XXXX have always had my correct address to contact me at. I called them and advised them that they violated the law and after trying to transfer me several times to a supervisor and the office of the president they said that they could give me that number I advised them it was in their best interest that they contact me asap. ( call ended ). This is not only an embarrassment to me since I am XXXX XXXX  and my husband is XXXX XXXX XXXX ( he is a XXXX XXXX ) thankfully getting better. But my parents are very old and frail. They have violated the law.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}, DEPT OF ED/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6600.00}, DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$6400.00}, DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was selling furniture over XXXX in XXXX. This person became interested in purchasing the item for {$100.00} and wanted to send the money over Zelle. I accepted since I had used Zelle in the past. The person claimed that the system did not allow to send {$100.00} since the account was not business and that the minimum transfer be {$500.00}. So the person asked if he/she could send {$500.00} and that I can send the person {$400.00} as long as I can be trusted. I agreed and proceeded. Unfortunately I sent the person {$400.00} before receiving {$500.00}. I did not receive {$500.00} yet {$400.00} I sent went through. At that point I realized that I was scammed and could not stop the transaction since it takes place instantaneously. I filed complaint with my bank and Zelle but I do not think they care to resolve the issue and I lost {$400.00}.
Consumer complaint received 2023-02-23
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. (NV)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (CA)

On XX/XX/2021, I tried to access my Revolut account via their mobile app. the app kept crashing and it said they were having techinical issues. 

After I was finally able to log on, I tried to add money to my account via a debit card of another bank account, which did not work. It immediately triggered some sort of fraud flag. 

Via their verification review in their app, they asked me to take a selfie with one of my other connected bank cards to verify it. They additionally asked me to take a selfie with another card that I no longer have because the connected account was closed ( and card shredded ) over a year ago. I kept trying to explain one of the debit cards linked to the account no longer exists to their chat representative ( that's all they offer their paying " premium '' members ). I repeated it several times until she finally got it. And then, boom, I get a notification they have locked me out of my account indefinitely and they don't know when I will be allowed access to my funds. Additionally, they say I can not receive inbound funds, log into my account, transfer funds, etc. 

Moreover, I have a significant ACH transfer on the way to this Revolut account and am concerned because they say they will not take incoming transfers. When I asked " XXXX '' in customer chat if those funds will be returned to the initiating institution he keeps repeating that while they have denied me access to my account, they will keep my funds safe until I pass their " review '' -- - they refuse to answer if my incoming ACH transfer will be returned to my initiating bank. 

I pay for a premium " membership '' for this account that they have now seized without reason. As you can see in the chat, they will not tell me why or when I can access my funds. 
This bank -- backed by XXXX XXXX XXXX -- consistently crashes, locks users out of their funds and provides no real customer service besides chat bots. I spent four hours today trying to get an explanation or answers. 

Before they permanently locked me out of my account, you can see the attached screenshot where the " verification process '' is shown as being submitted on XX/XX/XXXX, but reviewed on XX/XX/XXXX -- when actually this all took place today XXXX XX/XX/2021 ) and not in a time warp. 

These unethical accounting errors, swapped out dates, shutdowns, and technical glitches are common and not to be trusted. 

As you can see in the chat transcript, it took me four hours to get responses and they still do not read for comprehension or answer the questions asked -- just flippant, canned responses -- and now, radio silence. Again, I pay {$9.00} a month for the privilege to speak to a chat bot concerning when I can access my money. Thanks in advance for any assistance you might be able to provide.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Capital one has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested capital one to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for capital one to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There is a XXXX XXXX account on my credit report that does not belong to me. I have been disputing this with Experian for XXXX  years. When Experian calls the company, XXXX XXXX confirms that it is my account, ALTHOUGH IT IS NOT! Upon further review I realized that there are XXXX social security numbers attached to my credit report, perhaps the person whom owes the account has my same name ( I don't know but I'll give the benefit of the doubt ). I asked Experian to delete the erroneous social from my account, they claim that they did. I have called XXXX XXXX and Experian several times and I'm in a constant loop with no remedy in sight. I don't understand how or why XXXX XXXX does not ask for a social security card/proof before putting debts on credit reports. With that all of this could have been avoided. Please Help!
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending (MD)

I received an email from loan lender ( XXXX ), telling me that they received my application from their partner OpenRoadLending, But I don't give any permission to OpenRoadLending to share my information, the same company who did a hard inquiry under my name without permission ( issue that I'm trying to resolve with XXXX ) so now they are sharing my information with other lenders without my approval, I was trying to reach that lender ( XXXX ) but I couldn't find a telephone number on their web page
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently pulled my credit report from XXXX and Capital One is reporting that XXXX of my credit cards ( Quicksilver account ) is a secured card and that information is incorrect. I have never applied for a secured credit card with Capital One. I spoke with a supervisor, who identified himself as XXXX, Operator # XXXX and he said that I would need to send them a copy of my credit report in order for them to get the incorrect information corrected. I asked him to escalate my call to the next level and he said that he was the highest level that I could speak with. He told me that he was following the company policy. I asked him to read me the policy and he said that he could not because it was proprietary information and for internal use only. I asked him to provide me with the corporate address because I wanted to file a written complaint and once again, he refused. I am attaching a copy of most recent credit report from XXXX showing the incorrect information that they are reporting, and I want it corrected ASAP. Additionally, I spoke with Capital One on XX/XX/2023, because they weren't reporting my Capital One Platinum to the credit bureaus. I spoke with a supervisor who identified herself as XXXX and I was assured that they were already reporting this card to the bureaus, but it is still not being reported to this day.
Consumer complaint received 2021-05-19
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: JPMORGAN CHASE & CO. (CA)

There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2020-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.