davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to formally lodge a complaint regarding serious inaccuracies present in my PORTFOLIO RC credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my PORTFOLIO RC credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge PORTFOLIO RC to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

AFFIRM INC Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-11
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. (PA)

I consumer XXXX XXXX have demanded for a reinvestigation of inaccurate results. On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and several other dates I demanded a reinvestigation of results regarding two XXXX  XXXX ACCOUNTS ENDING IN XXXX & XXXX. TRANSUNION LLC does not have consent to furnish my information. Trans Union is in violation of the Fair Credit Reporting Act. TRANSUNION LLC states that two disputed accounts are verified. I instructed TRANSUNION that I disagree and I demanded that you send the method of verification used and the description of investigation with all contents. TransUnion refused to comply with the Fair Credit Reporting Act. 15 U.S.C. 1681i ( 7 ). Now I instructed TransUnion to remove all transactional history which is supposed to be excluded from my credit file and they refused. TRANSUNION LLC refused to block all inaccurate information and accounts from my consumer report. Transunion is causing the consumer significant harm.
Consumer complaint received 2023-12-18
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: CITIBANK, N.A. (AZ)

BEST BUY DESTROYED MY CREDIT FOR {$27.00}... 

I had a great credit score over XXXX, a Best Buy credit card with a credit limit of $ XXXX available, that had ZERO money owed on it! Because of a perfect storm ( moving/computer hack/email hack ... resulting bank account closings/openings ) I received late charges for something I did not know I had ... causing my good credit to drop to the XXXX XXXX XXXX 

FACTS : -- I have since found out ( XX/XX/2023 ) that I owed {$27.00} ... that went up to {$54.00} (? ) in late fees. ( immediate payment to fix this did not go through ... because of the above perfect storm, I changed banks /cards EVEN THEIRS! and they charged it through my old bank account that they had on file ) -- I did not know it didn't go through until XXXX, and paid it again then. 
-- I have had $ XXXX avg in my checking account well before the issue for well over XXXX ( I can supply documents ) ... I could have paid {$27.00} at any point. 
-- I pay my bills on time ( see : over XXXX credit at the time ) ... and I had no idea I owed this amount. 
-- Looking back, I still don't believe I owed this amount in the first place. I found out that it was a jump drive for {$27.00} ... I believe I took that back, and then bought another one for {$16.00} because I didn't need that 'size '' to recapture all my files from the hack. 
-- I don't believe I got credit for the return. 

I don't have a receipt for that jump drive ( who would ) like I said, I think I returned that one in dispute anyway.

Thank you.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (HI)

I believe the account is invalid. KIKOFF LENDING LL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. KIKOFF LENDING LLC VA4O****
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I recently had a loan for a car through Credit Acceptance. I learned of the Attorney General 's and the Consumer Financial Protection Bureau. I believe that I am a victim of the predatory practices by the lending program of Credit Acceptance. My wages have been garnished in the past when I began ill had XXXX and subsequently lost my job. A payout of {$5000.00} from an insurance company was also paid toward the loan. I recently received a notice from the XXXX XXXX XXXX department informing me of an impending garnishment of wages from my current employer. I am in desperate need of assistance to resolve the lending practices and also prevention and protection from Credit Acceptance.
Consumer complaint received 2016-08-02
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ronald B. Rich & Associates, PLC (MI)

I owe a debt for a car repossession. I do not dispute the claim, however, I am human and I simply forgot to send a payment to the debt collector for XX/XX/2016. The debt collector sent me a reminder notice and at the bottom of the reminder notice, he, being XXXX XXXX hand wrote in blue ink " last chance ''. That verbiage made me feel like I was being threatened. I felt very uncomfortable with what was " hand written '' on the letter. I believe this is a violation of the FDCPA Guidelines : 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (GA)

I had a credit card with XXXX XXXX XXXX XXXX XXXX  and I had got behind and paid the charge-off through XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX XXXX had sold the credit Credit item to XXXX and I paid the item with XXXX over the telephone back in XXXX XXXXXXXX agreed to have the account removed off of my credit report
Consumer complaint received 2023-12-19
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We have applied for a loan of XXXX and locked the rate at XXXX. We paid XXXX to do this. Chase came back and said we didnt qualify. I believe this occurred because the rate we locked was either a mistake or too low. Each time we asked a question we found out they didnt consider certain financial items we sent them. We dont know why. We Have significantly more assets and cash than what we were asking for. We asked for a supervisor XXXX, and he wouldnt even return calls or speak to me. He told my wife that we already sent your deposit back. We havent received it yet. I sent a nice email asking for help, and we received no response. We will likely lose the house now, and we have put down non refundable monies based on the agents discussions with us on the phone telling us we would qualify. 

Please help.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. ( XXXX XXXX XXXX ) is the account being referred.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with Identity IQ dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative account, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

received an email alert from Experian credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ 1k.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2024, I was walking in the parking lot to go to the gym and was stopped by XXXX strangers who were XXXX men between the ages of XXXX in their car ( XXXXXXXX XXXX ) asking for directions. They explained to me a XXXX story of why they needed {$500.00} for a hotel and were going to XXXX me money so I could XXXX XXXX it to them and then they could get a hotel. 
After giving them my phone to them to enter their information and send me money, they showed me they " accidentally sent me {$5000.00}. '' Then they used my phone to send themselves {$4900.00} on XXXX XXXX ( their username : $ XXXX ) and let me keep {$100.00} for helping them. After they left, I realized the money that I thought they sent me via XXXX was actually a loan they applied for on my account without my consent. 

On the same day, I reported a fraud claim with Navy Federal which was later denied. I am currently waiting on the approval of a police report before I appeal the claim.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Branch Messenger, Inc. (CA)

on or about XX/XX/XXXX  there was an authorization charge by XXXX XXXX car agency for {$1000.00} on my account and it was Pending hold on the funds. on XX/XX/XXXX the transaction was finalized and posted to the account for {$1000.00} which was the actual amount but the Pending transaction did not drop form the account thus creating a negative balance and when I contacted their support they indicated that can take up to 30 days for the pending, ng transaction to drop which is total nonsense since that transaction is now paid and complete the pending transaction should drop and not be duplicate and cause the account being negative and all my income that is going to that account is being held towards negative balance and it is causing hardship for me. I believe this is financial fraud since the money was taken out and it was paid there is no reason for a hold on my remaining funds especially for 30 days. this is a company called XXXX XXXX  card powered by Branch designed for XXXX drivers. Please help with this matter as soon as possible
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

PNC does not allow transactions with companies that use XXXX the mobile transfer service. I have a lot of money in two different apps and I am unable to access it via my checking account due to this issue. The third-party apps insist the bank must make this change, yet the bank blames the apps for using XXXX. 

I did not know I could file a complaint about this issue, but one app XXXX   suggests its users contact the CFPB. 

Thank you for reading, and please help customers like me who are having this problem.