davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Tower Loan of Mississippi, Inc. (LA)

I was affected by hurricane ida, my family & I lost everything, including my job that was also closed due to damages from this natural disaster. Only relief I was offered was to take one payment off the front my loan and send it to the back of the payments, however due to being evacuated in a different state I wasnt able to make it to sign the paper so instead they made my account negative which tremendously affected my credit. After speaking with advisers and also doing my own research Ive heard about and insurance that should cover my loan Theyre saying i didnt have enough collateral for your secured loan. Its THEIR job to get enough collateral. I shouldnt be responsible for ANYTHING after Ida. My loan shouldve be paid off, I fell as if They increase whats called their outstanding by increasing loan limits after I pay well on your first loan. As they increase my loan, they got lazy. They wanted to hurry up and close the loan and get you out the door before i can question my payback. In doing so, they didnt update my collateral to secure their own interest. So instead the office taking the hit for being lazy, they make the customer pay for their laziness. I feel as if and injustice has been done on my behalf and most likely countless others. This hurricane destroyed my property as seen in pictures below
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, XXXX removed {$990.00} from my checking account. The money was sent to a XXXX XXXX XXXX XXXX XXXX in California. The money was sent using XXXX/PNC. Ive called and emailed PNC several times with out results! This is XXXX/PNC fraud !
Consumer complaint received 2022-04-24
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: ALLY FINANCIAL INC. (PA)

Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
ALLY FINANCIAL opened XX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} XXXX XXXX XXXX on XX/XX/XXXX for : {$2100.00} XXXX XXXX XXXX was opened : XX/XX/XXXX for {$4200.00} XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX was opened : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who XXXX XXXX is XXXX XXXX XXXX?
Consumer complaint received 2022-04-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX opened XXXX XXXXXX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} PORTFOLIO RECOV ASSOC on XX/XX/XXXX for : {$2100.00} PORTFOLIO RECOV ASSOC was opened : XX/XX/XXXX for {$4200.00} XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?
Consumer complaint received 2022-04-24
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. (NC)

XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing 8 late payments XXXX showing 10 late payments XXXX shows no payment history Equifax shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and equifax shows no information on my investigation, and XXXX shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-20
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. (MS)

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 XXXXXXXX XXXX XXXXXXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX. # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
XXXX XXXX XXXX XXXXXXXX reporting as charge-off XXXXXXXX XXXX XXXXCharged off as bad debt|Canceled by credit grantor XXXX XXXX XXXXREPORTING DEROGATORY XXXXXXXX XXXX XXXX XXXX-Derogatory XXXX XXXX XXXXXXXXPayment after charge off/collection|Paid profit and loss INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-04-20
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. (MS)

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, has violated my rights. 
XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (NV)

I initially applied for a mortgage loan with American Financial Network. 
I gave a Sr Loan Officer there by the name of XXXX XXXX ( XXXX # XXXX ) my information. 

She ( XXXX ) initially replied back with Pre Approval with different options ( including Down Payment Assistance options as well as Conventional Mortgage. ) I replied with there are some items on my credit report pulled that are incorrect. 
She instructed me to send in proof documents detailing incorrect information/accounts. 
I sent all documents back in & notified her through Email & text message. 

This was over a week ago & I repeatedly tried calling, texting & Email but no response. 
I attempted another call this morning & my call was blocked this morning. 

This lack of communication from loan officer/ mortgage lender I feel is completely unacceptable business practices. 

I'm sending this complaint via online. 
However, I do have proof of my numerous communication attempts to furnish if needed. 

Thank you for your time
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 can not furnish a account without my written instructions
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-11-29
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. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

Citi Bank has changed when the new quarter begins on Citi Simplicity card. The new change adds unfairly additional debt to peoples monthly statements The higher balances are harder to pay off and Citi bank reaps additional profits for people make only the minimal payments. They are charged a percentage rate based on the unpaid balance that in this case would be much hire then before because the new quarter or statement begins later then before.The two additional days adds up for a total of five days before the cut off for the new statement begins.Before there would only be a total of two days before the new quarter or statement begins.The quarter used to end on the XXXX and the new monthly statement or quarter would begin on the XXXX. The payment was due on the XXXX of the month. There would only be two day of additional debt being add onto the old statement. Now there is a total of five days instead of just the two for additional debt being added to the old credit card bill. This makes it more difficult for people to completely pay off their bills and the credit card company makes a huge profit charging interest on the unpaid balance. What a scam. For people struggling to make minimum payment -- They are getting royally screwed Citi makes more money on this scam then by charging late fees! You need to get them to reverse this and have the quarter end on the XXXX instead XXXX. There only two days after due date before the new quarter or statement begins.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I stayed at XXXX XXXX XX/XX/22 XXXX number XXXX. I used XXXX redemption points for my stay. I had to present my capital one card for check in. After checking out my bill states balance XXXX. Months later the hotel charged my credit card {$57.00} for the stay. 

The next night I paid using my capital one folio XXXX and that charge is correct. 
I have submitted the receipts to Capital one and explained several times the situation. They support team is constantly asking me for proof, but there's nothing else I can provide
Consumer complaint received 2022-07-08
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. (FL)

I have previously filed several complaints about XXXX XXXX. XXXX XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! XXXX MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 I CALLED XXXX TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. XXXX GOT RID OF XXXX INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT XXXX TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I so called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!