davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MO)

On Friday, XX/XX/XXXX, I contacted PNC through virtual message to ensure if I downgraded my virtual wallet checking account that my promotional offer already received would not be affected. I was assured it would not be, and given instructions on how to downgrade the account online myself. Even though it is technically a single virtual wallet account, any of the virtual wallets are actually divided into XXXX " accounts '' ( spend, growth, reserve ). In XXXX, the only deposit accountI have with PNC is the XXXX virtual wallet checking account. 

On Saturday, XX/XX/XXXX I completed what I thought was the simple online process as outlined to me the previous day of clicking a couple buttons to downgrade my PNC Performance Spend ( Virtual Wallet ) to the lowest level Virtual Wallet offered at PNC. Although I did reach a screen congratulating me on picking the right virtual wallet account for me, severalerror messages popped up also. When I went to my account home page, instead of having the Virtual Wallet ( which is always XXXX separate accounts, but all VWs ), I had two " Interest Checking '' accounts and one " Premiere Savings Account ''. This concerned me, as I know at least with the savings account, there is a hefty monthly fee associated with not having a minimum balance ( which I do not have ). 
I contacted PNC right after this on Saturday XX/XX/XXXX via chat. I was told that it should resolve overnight and to contact them again if it wasn't the next day. I contacted PNC again via chat in the afternoon of Sunday XX/XX/XXXX as instructed, as the accounts were still not corrected. At this time, I was told it would be escalated in the next 1-2 business days. My escalation # XXXX. 

On Monday, XX/XX/XXXX I logged into PNC again to see if it was corrected. It was not. There was a change though- I DID have A regular Virtual Wallet account ( But only 1, not 3 ) and I now had a " Standard Checking '' and still a " Premiere Money Market '' account which are not correct. When I contacted PNC on Monday XX/XX/XXXX via chat, I was told to wait another 2-3 business days. 

As of XX/XX/XXXX, nothing further has changed. I have only a single virtual wallet account ( not divided into XXXX separate XXXX accounts as is standard ) and still have the " phantom '' Standard Checking '' and " Premiere Money Market '' savings accounts that resulted from some PNC IT issue in the downgrade process. I do not wish to wait for this simple issue to drag on for weeks or months while I end up being charged low balance fees etc. on these phantom accounts that I did not agree to open. I only ever opened a single virtual wallet account. Standard Checking and Premiere Money Market accounts are NOT virtual wallet accounts.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (FL)

I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (NV)

In accordance with the Fair Credit Reporting act. The list of accounst below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 



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 15 U.S.C . 1681 section 602 A. States : I have the right to my 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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.
Consumer complaint received 2022-06-07
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (WI)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, XX/XX/XXXXAccount # XXXX, XXXX Account XXXX XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXX Account # XXXXXX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

I was literally using my account to purchase breakfast in the morning and right when I got into work Chime closed my account. The night before I did file my taxes and put this account on my tax return for direct deposit. They're telling me that they don't have a specific reasoning for the closure just that a policy was violated. They then send me an article which was not specific at all to my situation. I had to change my work and IRS direct deposit and cant pay any bills until they send me my money. Ironically, it was also payday... they took almost {$300.00} that I already had in my account with an additional almost XXXX from my paycheck today. I contacted multiple people and they all couldn't tell me why this was happening to me.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

I opened my checking account on XX/XX/22 with XXXX XXXX XXXX. I have maintained the required {$10000.00} balance for the months of XXXX and XXXX, and the requirements were that M & T would pay the bonus by XX/XX/22. It is now XX/XX/XXXX and M & T has not paid the {$350.00} bonus.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

There is a {$290.00} debt for a XXXX XXXX account opened on XX/XX/2022 that was sent to collections and is damaging my credit, but I dont have or use XXXX XXXX. I believe it is a result of identity theft. I tried disputing through XXXX but keep encountering an Oops something went wrong message and my dispute wont go through.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # s XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it 1. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX  XXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TN)

I closed my account and paid it off with Republic Finance years ago and they have not removed the collection from my account. Now Republic Finance is reporting that I have a collection account with XXXX  when I do not have a collection account. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed this from my credit report.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXXXXXX Balance Owed : {$1400.00}
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

on XX/XX/2022 at XXXX PST a fraudulent charge of {$900.00} was made on my CitiBank credit card by a fictitious business ( XXXX XXXX XXXX XXXX ) of XXXX XXXX OR with a stolen XXXX  and a cloned card that was " activated '' twice an hour prior. 

REPORTED the crime, Locked my account, and DISPUTED fraudulent charge with Card company same day, but later processed the payment and says a " XXXX XXXX '' was used, and erroneously claimed that I am responsible for the full amount, regardless. (?!? ) Red flags : ( XXXX ) that the " cloned '' card ( by Shimming or emulating a stolen XXXX number ) was activated twice at XXXX - and the {$900.00} charge an hour later- I reported the fraudulent charge with the CitiCard fraud Dept - and that my XXXX was locked in a safe and I was asleep, over XXXX miles away from said location when said transaction took place. 

( XXXX ) stolen card number was activated twice at XXXX - and a charge ( processed as " in-store '' ) was done at XXXX. 

( XXXX ) the fictitious business has no physical garage location - no listed number - no website - and no reviews ( online or otherwise ) - the business does not exist except on paper. 

( XXXX ) Investigation reported to Portland.gov - FTC XXXX Dept of Justice - Police Dept - State Attorney Generals Office - shows that the suspect ( listed owner of XXXX registered business ) has a string of felonies for XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I initial put in complaint against Equifax on XX/XX/2022, this will be my second time complaining on XX/XX/2022 because the problem has not been resolved. When I call XXXX ( the Voice recording ) ask me to verify my social security, zip code, address number and the voice recorder comes back stating my information that I entered is NOT VERIFIABLE. This is a HUGE problem, I can't buy a house, can't get funding my for business, and can't apply for certain credit cards to due this huge issue. 

And Equifax continue to send me mail in my son 's name which is XXXX XXXX XXXX XXXX When Equifax send me mail they never send it in my name. MY NAME IS XXXX XXXX XXXX. If this issue is not resolved I suppose we have to look for a FCRA lawyer, because clearly no one understand what I am talking about. My patience has ran out. 

I have tried to upload a XXXX min video recording of me calling Equifax.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (SC)

Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. 

I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. 

My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX