davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

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 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 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
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (RI)

Delete hard Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below.
Consumer complaint received 2023-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (WI)

Hi my name is XXXX XXXX I lost my social security XXXX back in XXXX I called XXXX XXXX TitleMax office and let them know I will not be able to make any more payments until I get my XXXX back. XXXX birthday called and said they were going to take my car if I did not make the final payment and I asked the quote what was the final payment cuz I tried to get the money up the next day and I said I need the whole amount of the title loan so I can pay it off and get my car back and she told me it was {$830.00} I have three Witnesses saying it was {$830.00} and I have her on recording saying it was {$830.00}. I go the next day to pay off my loan and she is selling her mother 's dogs out of the XXXX XXXX TitleMax office which is a breach confidentiality I go to pay the final payment what she said and quoted {$830.00} to receive my car and to get my title back and she hands me a receipt marked in full but on the other side it said I still owed {$740.00} and some cents she had a girl sitting there and I'm could not ask her any information about me because this girl was whining complaining to her she was hungry and that he had my mother out in the car waiting for me to take me to go receive my car to pick it up I called her up and said I do not owe any money you quoted me {$830.00} to pay off my car and get my title back. I've contacted XXXX XXXXXXXX XXXX main office I emailed documents to their CEO now I'm having a XXXX call me from XXXX XXXX XXXX XXXX  TitleMax arguing with me threatening me to take my car back and have it repossessed telling me I still owe that {$800.00} some dollars now for all the interest is probably {$900.00} the other girl quit and got fired because of what she did when I was there I have pictures of that her selling her XXXX XXXX dogs. I need my car they did. I have XXXX XXXX dollars of Damages when they told my car away a gas leak oil pan leak oil leak brakes freezing up. Alls I wanted was my title back and I told them I was not paying anymore and they were not going to harass me and threaten me to come and get my car. This guy and XXXX out of XXXX XXXX saying that's where he is at and he's actually in the XXXX XXXX XXXX XXXX in XXXX. I have no more money coming in I'm fighting for my XXXX back I have XXXX  out of XXXX helping me get my XXXX back and I owe my mom {$830.00} I had to borrow saying it would be paid off otherwise she wouldn't have never borrowed me the money. I am XXXX XXXX of age XXXX XXXX and my mom is XXXX XXXX  of age needing her money from me back which I am trying to fight to get back. I would like to harassment stopped the threatening call stop I paid well over thousands of dollars on this car when it was only a {$500.00} loan. I can not pay nothing the interest rates are going up day by day they said I've asked to have them send me all the paperwork so I could try to hire a lawyer I don't know how I'm doing that. XXXX XXXX please contact me at XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2023-07-20
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. (NY)

In accordance with the fair credit reporting act.the list of accounts below has violated my federal protected consumer rights to privacy and confidentialitys under 15 usc XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 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 reports containing any of the following items of information any other adverse items 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 report agency if the
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} 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
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

I DID NOT AUTHORIZE THIS ACCOUNT.

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
Consumer complaint received 2023-10-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (CA)

Sallie Mae called my old phone number which is now my wife 's XXXX. They left a message stating that I was listed as a personal point of contact/Reference for XXXX XXXX . My wife was upset so we called the number back. The man that answered the phone identified himself as XXXX ID number XXXX proceeded to inform us that when we lived at XXXX XXXX XXXX XXXX, XXXX  ca XXXX we were neighbors to this XXXX XXXX and they were trying to locate her so they are calling anyone who had an address near this person. 
How can they list me as a personal reference to someone I have never heard of or even know? Is it legal to blatantly lie to someone when you are trying to collect a debt? We asked to be removed from their database. The number that called us was ( XXXX ) XXXX.
Consumer complaint received 2023-10-24
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. (GA)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Im disputing account XXXX XXXX XXXX XXXX XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XX/XX/. 

Please delete this account. 



I would like to also request my credit report.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I received a Credit Inquiry alert from my bank. When I researched it was from Bank of America and Spirit Airlines. I have not done business with Bank of America in over 30 years and have never flown or inquired about Spirit Airlines. When I contacted Bank of America they had a credit card account open in my maiden name with a very old email address. This was was done without my permission. I have frozen my Credit Reports and contacted Bank of America to report the fraud.
Consumer complaint received 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (IL)

In XX/XX/2023, I applied for a home equity loan with XXXX XXXX. However, during the title search, it was discovered that there was a second lien on our title from the Housing Urban Development ( HUD ). PNC, our bank, advised me to contact HUD to get the payoff statement. When I contacted HUD in XX/XX/2023, I was told that no partial claim was filed with HUD and that I should contact my bank. This went on for a month, causing a lot of confusion. 

Eventually, I discovered that PNC had added {$13000.00} to our mortgage loan and filed an Assignment of Mortgage from HUD to PNC on XX/XX/2023. Upon seeing the document, I called PNC to request a payoff statement for the XXXX XXXX mortgage. However, the bank informed me they could not provide me with a separate statement for the HUD lien transferred to PNC. They only offered a payoff for the mortgage, including the $ XXXX. 

Unfortunately, the loan processor assisting us with the home equity loan at XXXX XXXX  told us that they could only proceed with the application if we provided a payoff statement for the second mortgage lien of {$13000.00}. However, PNC refused to offer the statement, leaving us in a difficult situation.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase for some reason will not allow my account to stay open. There must be an error in their system that wont allow me to have a business or personal account. I have never done anything wrong nor am I affiliated with anyone / anything that is remotely wrong. 
Please fix this - I am looking to move my IRA and regular brokerage accounts as well from XXXX XXXX to JPM
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These XXXX  Accounts have violated my rights According to FCRA ; 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 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED!

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Consumer complaint received 2023-07-10
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Today, on XX/XX/XXXX, at XXXX XXXX, I received a call from Bank of America number XXXX, which number I known because of the call from XXXX XXXX ' at first. We conversed regarding XXXX, which I had much problem due to the disappearance of my business website and email portal and still could not provide any solutions on these matters. Yesterday, I received the call from XXXX XXXX, whom I mentioned previous report regarding Resolution matter connecting your organization, CFPB. In today 's call, XXXX called me about the issue conflicting with my credit card ending XXXX. Since I was tired at that moment, I finished this call just acknowledging it. Now, I wonder she mentioned the card was closed in XXXX, even though I remember I saw the information of it until the beginning of this year and actually, I received a gift card by changing its reward to it and used it at XXXX XXXX. I can check the date of purchase, if necessary. And I received a email from XXXX, one purchase was denied, so I checked XXXX and found out other items in question were purchased by the credit card ending XXXX. I believe the card ending XXXX is usable to purchase my subscription item of XXXX, I will use as a payment method. However, still, I can not see the credit card information ending XXXX and want the replacement card, still. In short, why can I not see my credit card information, even though the charges are made at XXXX?
Consumer complaint received 2023-07-10
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. (OK)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.