davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (LA)

I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. 

On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. 
PNC is a disgrace company who has taken predatory actions against my personal credit. 

PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. 
My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I called Experian XX/XX/17 at XXXX. I asked for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative told me that they have to keep those addresses on my report. I asked her where in the law says that Experian can keep nonmailable addresses on my report? She told me that it's just policy. I asked her to transfer me to a supervisor. The supervisor repeats what the first representative stated and hung up the phone without any further questions or concerns. None of the representatives began the call with " this call is being recorded for quality assurance ''. 

I called again XX/XX/17 at XXXX. I asked again for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative said that he removed the XXXX XXXX XXXX XXXX XXXX, TX XXXX address. He also stated that he will not remove XXXX XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Acccording to 15 USC 1681 section ( b ) it states that " ... ... .consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' Experian is not reporting accurate and relevant information on my report which violates my rights as a consumer.
Consumer complaint received 2024-01-17
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. (NY)

My information was sold and bought illegally because I was a victim of the Experian data breach. I want these items deleted from my credit reports please, effective immediately. I have attached proof that Experian has admitted that I was in fact a victim of this data breach they have done nothing. Please delete the illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXXXXXX  Balance {$1500.00} Status Account charged off. {$2600.00} written off. {$1500.00} past due as of XX/XX/XXXX. 


XXXXXXXX XXXX  POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1400.00} written off. {$1000.00} past due as of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-10-06
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: Monarch Recovery Holdings, Inc. (MA)

What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
Consumer complaint received 2024-01-17
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. (VA)

Experian is illegally reporting XXXX Negative Accounts from a Company named XXXX XXXX. I have never done business with this company. Experian is in violation of FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) which states a Credit Reporting Agency has 4 Days to Block information from my report that is a result of Identity Theft. I sent Experian an FTC Identity Theft Affidavit to report this in XXXX. Ive made several follow up calls to their XXXX XXXX to resolve the issue. Experian still hasnt removed the fraudulent accounts from my credit report. The fraud XXXX placed a Fraud Alert on my credit file but still refuse to remove the accounts. Experian is claiming the account is not eligible to be removed. When asked to provide further information as to what information they are using to validate/verify this account, the representatives insist that they can not provide me with any further details. I have a right to know what information they are using to make this determination but Experian refuses to disclose what Data/documents they have been provided. I am the victim of Identity Theft and Experian has a lawful obligation to follow the law and remove this from my credit report.
Consumer complaint received 2022-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.
Consumer complaint received 2024-01-17
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX a collection account was placed on my credit report for an account previously paid in full. I disputed and submitted the proof in XX/XX/XXXX that the balance of {$1000.00} was paid on XX/XX/XXXX. And received and email on XX/XX/XXXX saying my new balance owed is XXXX. And it's still sitting on my credit report. The account information below : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally express my dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my repeated efforts to rectify this issue, the inaccuracies persist, causing significant harm to my creditworthiness and financial well-being. 

There are several fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my persistent attempts to address this matter by following the established dispute procedures outlined by your organization, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX  XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX. XXXX XXXX : {$6400.00}.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I want you to know that I understand and have great respect for my nancial obligations. Unfortunately, at the time of the incident mentioned above, I had a job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Consumer complaint received 2023-12-21
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. (NV)

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

As a whole my credit profile Is severely incorrect across all 3 bureaus yet they do not even remotely match across the three. I have filed any disputes only to get the same computer generated messages of verified that can not be true because the information is incorrect. Even my basic information such as credit age is incorrect, one says 1 year another says 5 when I have had credit since XXXX some of my precious accounts are even listed but still do not reflect in the age. I do not honestly know what to do, this is less of a complaint but more a lack of knowing what to do as nothing I have done seems to have any effect. it's killing me financially
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I was advised by agent ( XXXX ) on XXXX  that if I made 1 installment payment before XXXX  that I would avoid any late credit reporting. I paid XXXX  on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX  .This is negligent on the part of XXXX  XXXXthis is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Attempting to close Paypal account. Told one of the reasons it couldn't be closed was a " credit '' on the account. Credit was not requested by me nor accepted [ account showed button to " accept '' it which I did not ]. I specifically told Paypal to get rid of the credit and that it was NOT allowed to donate it- Paypal is not gong to create a tax break for itself through whatever game this is. When I logged in the next day it was shown as donated.Paypal does not get to manage MY account as it chooses, in direct defiance of my management. Paypal refuses to do anything to fix this other than put the credit back on my account which then means I can't close the account because there is no other way to get rid of it because I won't link my bank account for it to be transferred because I'm closing my account because I don't want Paypal to have any of my information and Paypal refuses to apply it to the Paypal credit balance which should have had its own credit but they XXXX  me on that too.