davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2023-04-26
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. (LA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX  Account number : XXXX XXXX XXXXXXXX Account number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (MI)

My loan was transferred to PNC bank from XXXX Mortgage in XXXX. In XXXX PNC under estimated my escrows and then sent me a refund of some of the escrows. In XXXX PNC did a new escrow analysis and which at that point they found an escrow shortage which added about 33 %. I told them that what they had calculated for XXXX was way too high. Based on their calculation they would be collection almost 40 % excess escrow. They basically stated that they calculated them accurately. I called my city tax office and they stated that my escrow for taxes XXXX only increase XXXX on an annual basis. I called PNC again expressing my concerns. After about XXXX phones calls, we asked them for an option to remove my escrows because they could not manage my escrows. It appears this lender does not know how to do an escrow analysis. They sent me a letter that my escrows were to be removed on XX/XX/XXXX. When I tried to make my payment, they were making me payment my escrows and Principal and interest. The payment they charged me was XXXX of that my principal and interest is only XXXX They were collecting XXXX for escrows. Mind you my total escrow on an annual basis is about XXXX. But yet they are trying to collect XXXX. This way exceeds the XXXX cushion if I had escrows. 
This lender does not seem to care about its customers and being a financial institution, they put consumers at risk based on their business practices. 
I am available to talk to at XXXX
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

I am writing to complaint to SYNCB/MC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # 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 has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them. 
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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-13
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: Paypal Holdings, Inc (VA)

I was trying to purchase a teacup yorkie from a breeder. We had sent emails to eachother somehow during our conversation s someone was able to hack into what I thought was her website. There was a down payment involved. I was sent a XXXX  link to use with PayPal to send money to cover the down payment. My PayPal account was linked to my XXXX XXXX XXXX card.I sent the payment which I thought was going to the breeder but she said she never sent me that XXXX address. This XXXX person got sent my {$300.00}. I dont even know this person and Im not use to dealing with PayPal anyway. Breeder didnt get her money but this other person did. I contacted the XXXX  card company they said it hadnt posted yet so I couldnt dispute it yet. Ive also complained to PayPal but not getting too far with them. Please help me try to recover my money. Thanks
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

When I opened my secured credit card, the credit limit was determined by my hold of {$400.00}. I opened it in XXXX XXXX. Over a year later and they are claiming they need to hold an additional {$300.00} but my credit limit did not go up, it was without my permission, and they could not explain it any further as a hold but I already deposited {$400.00} when I initially opened the credit card. Customer service gave me attitude and so did the manager. This violates the terms and conditions. Why hold 2 different amounts??
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I sent a formal request via certified mail requesting validation bearing my signature showing that I have or ever had some contractual obligation to pay them. I mailed this on XX/XX/. 
In return, I received a letter stating, " XXXX XXXX '' to pay them by XX/XX/XXXX  or they forward to an attorney in my state for possible litigation.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

An individual follows me thoroughly and seems to great knowledge of my credit history. This individual has scammed me about three or four times in the past and I believe I am the victim of identity theft from her.I have attempted disconnect communication but she is a cyber problem.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (CA)

I am sending this complaint regarding a discrepancy in my credit report that require your immediate attention. Specifically, I am disputing this account : XXXX, XXXX. XXXX. 

The reason for my dispute is that your agency has failed to provide sufficient information to verify the debt in question. XXXX and XXXX, other credit bureaus, have already rectified this inaccuracy in their records due to identified errors. I am puzzled as to why you have verified this account while other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, I requested Student Loan Forgiveness which was granted but taken away. All my loans were consolidated at the same time into one loan and the loan servicing agent changed to XXXX. Today, I discovered that the combined loan which is over $ XXXX still remains on my credit report along with the individual loan line items from the prior loan servicer NLS which make my debt appears as doubled and is being reported as potentially negative based on those multiple line items and my credit score has taken a XXXX point drop. Every single old address was added back to my report out of no where and again this all has happened over night. Currently, I am XXXX not working, still attending school and trying to keep at least my finances intact the best way possible. The information that the credit reporting agency is sharing as public information is wrong and has a detrimental impact to my livelihood. Its unfair and its wrong!!!! Please help to remedy this matter.
Consumer complaint received 2015-07-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Trans-Fast Remittance LLC (NJ)

I tried to transfer {$2900.00} to XXXX on XXXX XXXX. The website/customer care stated that the transfer will happen in 4 hours. But after 2 days i receive a email stating that the initial verification is failed and they wont be able to transfer my money. I called the customer care and they told me that I would get back my money by weekend XXXX XXXX or XXXX of XXXX XXXX. I called the customer care ( XXXX ) today ( XXXX of XXXX XXXX asking for my money, when she tells me that I would receive my money only by the next weekend ( XXXX or XXXX XXXX XXXX. When i asked her what was the reason, she tells me that since i 'm sending money to business, it would take extra 5 days. I asked her that " the money was not even sent and that my details had failed in the initial verification, so how does it matter if the reciever is a personal account or business account ''. For which she didnt have an answer and she told me that that is how it will be. She also told me that she would escualte the issue but still the time frame will be the same. 
When i tell her that i would need the money back so that I can transfer it using another service, she cuts the call. I call the customer care again and ask the agent to connect me to the manager for which i 'm put on hold for about 30 mins. After which even the manager also states the same thing. 
I would need my money back so that I can at-least use another service to make the money transfer.
Consumer complaint received 2024-01-05
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. (IL)

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (CA)

I did not authorize any of these inquriies 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 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 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-04-26
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)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : 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 XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.