davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

upon review of my credit report i noticed unauthorized credit inquiries. i did not authorize these inquiries and im completely unaware of how they are here. 
XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FORTIFI FUNDING III LLC (FL)

I applied for financing through XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in XX/XX/2023 and received conditional approval on XX/XX/2023. 
I applied for and received final approval for XXXX/FortiFi funding for wind-resistant windows and doors on XX/XX/2023. 
The contractor was XXXX, XXXX. 
I was notified by the contractor ( not FortiFi ) at the end of XX/XX/2023 that financing had failed. 
I emailed FortiFi to ask the reason. FortiFi replied on XX/XX/2023 that there was a dispute between XXXX XXXXXXXX and XXXX XXXX where the property is located. 
I was recently served with a summons from XXXX XXXX, XXXX threatening to sue me for up to {$50000.00} despite never receiving the windows or doors. 
The dispute between XXXX XXXX and XXXX  XXXX is a long-standing issue. While the litigation has evolved, it is still ongoing. 
My complaint is this : FortiFi took my application knowing XXXX XXXX was only taking XXXX funding for commercial enterprises and that funding was certain to fail.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/year>, I sent a letter to Midland Credit Management regarding XXXX critical issues : the violation of the Gramm-Leach-Bliley Act and the reporting of inaccurate late payments on my account. Midland Credit Management failed to provide the required notice before disclosing my personal information to consumer reporting agencies and did not offer me the opportunity to opt out of such disclosures as required by 15 U.S. Code 6802. Additionally, late payments have been inaccurately reported on my account, negatively impacting my credit history. Despite my request for a thorough review and correction of these issues, I have not received any response or corrective action from Midland Credit Management.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (VA)

I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.
Consumer complaint received 2024-07-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX never served by Courts SEC XXXX XXXX, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

My paypal closed more than a year ago, and as of today I still unable to access my balance of {$290.00}, and it was communicated " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/year> ''
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have not had XXXX  since XXXX  this debt keeps reappearing with a new opening date and it is far beyond XXXX XXXX XXXX. Current opening date says 8 months this is simple incorrect. I have also never done business with or have had any prior knowledge of the company portfolio recovery I have asked for proof of ownership and itemization of charges through credit karma and never received any correspondence. Reporting this debt is against FCRA guidelines due to age of account.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Citi bank has my online account blocked and can't access my funds and keep being told to go in person to branch I just went to the branch and they also couldn't pull up my account and advised me to call customer service at this point im like going in circles. This is very frustrating and not okay I need my money
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NM)

i need to unfreeze my credit file to apply for a credit card. when ii tried to do this before, the CFPB site was down and I was told on the phone that CFPB would file a complaint for me.

This didn't work an I still need my credit file unlocked b experian.
Consumer complaint received 2023-10-25
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (NY)

Received a numerous amount of debt from different credit card agencies including past due bills and collection notices for all kinds of credit cards. Card companies are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more included in photos requested. I have made a report with the " ReportFraudFTC.Gov '' and have provided the information as well including report number " XXXX '' to obtain help from the CFPB agency in the matter of having all these items removed from my credit report totaling roughly XXXX.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My payment was going to card on file services after I lost my job during XXXX for some reason. I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. They did not properly credit my trade in of {$8000.00} for my XXXX XXXX or transfer the trade in out of my name. I just recently did that myself. After the issues with my payments going to the card on file instead of Capital One, I found out the data breach had allegedly covered my loan. While I was not home in XXXX, my car was repossessed by XXXX XXXX, and I had a laptop, a phone, cash, and financial documents including my social security card and bank statements in the car. I was told that I could not get my property and the sheriffs office will not show me the repossession documents they allegedly were given by XXXX. I then started getting threatened by Capital One agents, seriously threatened, because I owe on the car after it was repossessed, but I was trying to pay my payments and get my car back. It was towed in park and no key. XXXX wants me to pay the auction balance. I dont even know who to pay. I had the original loan documents IN THE CAR with my registration paperwork. I also went to the XXXX, and they said I surrendered the car and transferred it to someone else but they can not tell me who i transferred it to. That makes NO sense.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I sent 3 applications to American Express and in accordance with 15 USC1691 12CFR1002 they're not allowed to take any adverse action against the applicant and 12USC1431 their also required by law to provide small business with XXXX XXXXXXXX funding. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC ID : XXXX ACCT # XXXX {$43000.00} OPENED XX/XX/XXXX COLLECTION ACCOUNT : NOT MINE AND FRAUDULENT LVNV FUNDING LLC ID : XXXX ACCT # XXXX {$52000.00} OPENED XX/XX/XXXX COLLECTION ACCT : NOT MINE AND FRAUDULENT XXXX XXXX ID : XXXX ACCT # XXXX {$27000.00} OPENED XX/XX/XXXX CHARGE OFF : NOT MINE AND FRAUDULENT
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: REGIONS FINANCIAL CORPORATION (TX)

I was charged a 2 % early payoff penalty {$3800.00} when I had less than 6 months remaining on the loan. The loan was for 5 years but they have a clause that states I must keep it in force for 5 years from date of issuance. So I cant sell the property and close the loan without a penalty.
Consumer complaint received 2024-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UMB FINANCIAL CORPORATION (AZ)

XX/XX/year> contact XXXX XXXX XXXX talked with XXXX gave me XXXX amounts XXXX and XXXX made payment on XX/XX/year> via UMB Bank same people as loan. 
Statement date XX/XX/year> states past due amount XXXX with assessed XX/XX/year> XXXX late charge says my current balance is XXXX on XXXX loan amount I called to get up to date and they have made more charges so I'm not with out reporting to me either way. My checking account is also with them, and they missed sending me my ATM card in time and now is expired and have no access to my account except going to the actual branch.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (AZ)

Account info Account name TD BANK XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$480.00} Terms - On record until XX/XX/XXXX I do not know this account and formally request the original contracts between myself and TD Bank showing that I am liable for the debt on this account or that it be immediately and permanently removed from my account.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I contacted Citi Card Service about my payments and my balance. I have stopped using there card XXXX months ago and have been trying to pay the card off and noticed that my account was never going down, but going higher or stays the same. I contacted Citi on XX/XX/year> and the customer service rep expressed how the only way to stop the interest was to pay the complete balance. I believe that's ludicris. I pay more on my bill than the minimum, but due to them continuously adding this anormous amount of interest even after I had them discontinue the service. There is no way I will be able to pay what my balance is at this point. I will actually be paying them XXXX what I owe them and I will never be able to pay the card off. I believe Citi is doing bad business and I missed last months payment because of the interest that I've been charged lately. I have been oweing {$3000.00} dollars after every payment and that is not being consumer friendly at all. I will pay my payments when they stop the interest charges and take off what has accumulated in the last XXXX months.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (OH)

Sent first dispute letter on XX/XX/XXXX, company responded XX/XX/XXXX, I responded back XX/XX/XXXX asking for them to cease and desist collection efforts, remove inaccurate debt from credit report and send check in the amount of {$1000.00} for statutory damages that I am entitled to under 15 U.S.C. 1692k ( a ) ) They ceased and desist collection efforts and removed inaccurate debt form collection report but failed to send check for statutory damages which I am entitled to for their violation.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.