davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NY)

My initial closing date was Friday XX/XX/2022 which was known since day one.  XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On my XXXX XXXX  XXXX XXXX account which is powered by Experian credit bureau it states that the XXXX XXXX XXXX account that is reporting on my credit report that this XXXX  XXXX XXXX account is XXXX XXXX XXXX XXXX XXXX old. Experian has a policy by which persons can request an early exclusion or deletion of an account if that account is within a 3 month period of it falling off your credit report. 
This XXXX  XXXX XXXX account is within a 3 month period of it falling off my credit report. I am therefore requesting an early deletion/ exclusion of the XXXX XXXX XXXX account that is reflecting on my credit report.
Consumer complaint received 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX XXXXXXXX ( Reporting on Transunion , and XXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and Transunion ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on Transunion ) 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 an account without my written instructions.
Consumer complaint received 2022-04-10
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. (MI)

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 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without written instructions.
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

I used Affirm to get a line of credit to purchase tickets to a live show in XXXX, GA. This is where I reside. I received confirmation that tickets to the same show except it was in XXXX, NY. The show was postponed indefinitely at the time. I immediately called and notified Affirm before processing the loan that the charge was fraudulent. In response to the fraud, I have requested and never received verbal phone call from the fraud department. To dispute the fraud I am allowed 125 characters which is barely 2-3 sentences. My proof of fraud documents failed to upload because of their website issues. I never was assigned the same agent to address the fraud during the process. The mere fact that I notified them of a fraudulent loan being acquired in my name on the weekend when the loan was not even issued and they failed to prevent it.
Consumer complaint received 2022-12-08
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: JPMORGAN CHASE & CO. (FL)

There is a game by XXXX called XXXX XXXX XXXXXXXX XXXX Within the app there were {$5100.00} worth of purchases made and none of them were made by me nor were they approved by me. When I filed a dispute with Chase on XXXX, Chase reversed the charges. On XXXX chase put the charges back on my account because the merchant had my email address so they deemed the charges as legitimate. I asked if it were possible my email was hacked and was told it was not likely. Chase then sent me from the fraud dept to dispute dept. The dispute dept told me since the charges were more than 60 days old. They could not do anything about it. I asked why fraud didn't send it to them to begin with instead of wasting my time. They did not have an answer for me nor were they interested in trying to help me from there. I was told even though I did not partake in the {$5100.00} in charges, I was responsible for them.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX  XXXX on XX/XX/2017 I have tried numerous times to get this removed off my credit report but with no luck. I will take accountability for my own debts as records showed that I paid off all my debts recently in order to clean up my credit. This is one that does not belong to me. I'm the victim of identity thief. I have only discovered this at the end of last year while I was trying to clean up my credit.
Consumer complaint received 2024-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (FL)

The original creditor was Citibank. Citibank no longer has any record my debt. It seems like XXXX XXXX XXXX XXXX XXXX took over the debt and is trying collect the original debt on my Citibank creditcard. I have made several attempts to settle this debt because it is very stressful on my family and I and is affecting my household in very negative way. Im being blamed as not being a good provider for my family. We have gone to marriage counseling. I pray a lot about this dilemma. It just doesnt go away.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX NA XXXX of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX XXXX XXXX Updated XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was looking to get concert tickets at a cheaper price through XXXX, and I asked for proof of the tickets, which the person had. I agreed to Zelle the person 's friend, who would send it to them. They then did not send me the tickets, and they presented themselves as legit from XXXX. This was a scam, and I am not able to get my money back from the person, and the bank ( XXXX  ) is unable to as well. 
Email of the person I communicated with : XXXX Email of Person Zelled : XXXX XXXX
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (FL)

Hello, My name is XXXX XXXX. I started this loan on XX/XX/22 with Greensky. I recently had my payment go up because of my 6 months promotion period ended The company never left a message that I had a past due payment of {$1.00} cents. I originally started autopay on my billpay through my bank from the beginning and have never missed a payment until this time when I was unaware of what was going on. The call I assumed was a scam call due to no voicemail being left. I recently them checked the statement online and noticed I was being charge 2 separate finance charges. 1 for {$68.00} and XXXX monthly. I was told from the very beginning that it would only be XXXX XXXX APR from the company that referred me ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) who said they partnered with greensky for financing for their Fences which i was getting at that time with superior fence. I called and asked about the interest charged and the associate told me theres interest charged on the total remaining balance which was {$8300.00} I did this loan to really just help my finance XXXX XXXX rebuild her credit. I couldve paid off this loan from the start if the loan information was correctly disclosed and when I asked the greensky representative to why I was never informed. They said they dont have to or need to disclose any loan information if I dont ask. What kind of loan company now owned by XXXX XXXX doesnt let their clients know about the loan theyre getting into. They is the worst experience Ive ever had with a credit related transaction and Im amazed how this company preys on consumers with high finance charged and NO transparency. 

I recently just paid this loan off in the lump-sum amount owed to greensky. I will never do business with this company again.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

in accordance with the Fair Credit Reporting act XXXX  Account 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 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, EXPERIAN, XXXX WRITTEN INSTRUCTION
Consumer complaint received 2023-02-06
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. (DE)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Good morning This complaint is about experian, Because this company can no longer make money off of my credit file they lower my credit score negative XXXX points, Which places me in a high risk category where I will have to get 18 % loan or a high interest loan on anything that I purchase, When I try to contact them and ask them why they deducted XXXX points from my credit bureau score they really didn't have much to say, Then when I try to use their credit boost over XXXX XXXX try to help me put back my XXXX points, Their system would not allow me to use the boost it kept telling me to try back tomorrow try back tomorrow to I'll try back tomorrow there's an era try back tomorrow but it never worked these companies should not have the legal right to deduct points from you once you pay your bills on time and the credit is off, Just because they can no longer make money off of your file with that creditor, When I went to purchase something I was offered a 18 % in a 24 % because I was in the XXXX hundreds I just want experience to fix their credit system and stop placing us in harms way into staying in debt with high interest rates
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I need clarification as to why you are reporting certain information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are both charge off the status and balance of these accounts are 100 % inaccurate if any debt was written off the balance should read {$0.00}. 7 CFR 1782.3 Charge-off. Write off of a debt and termination of servicing activity without the release of liability. A charge off is a decision by the Agency to remove debt from Agency receivables, however, future payments may be received. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file.Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Violation of fcra 623 ( a ) ( 7 )
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The CARES Act and Credit Reporting FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX is reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2022-04-11
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. (LA)

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX : ******** Experian : ****** XXXX : XXXX
Consumer complaint received 2022-04-10
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. (TX)

I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX  XXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.