davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (DE)

I have a HELOC with PNC Bank with a credit line of XXXX, the current balance on XX/XX/XXXX was approximately 25k which left plenty of available funds to use. On XX/XX/XXXX I received a call from my contractor indicating a check I provided to him was declined by PNC for non sufficient funds for approximately 17k. I contacted PNC and was advised by the first CSR my account was past due, when in fact a payment of over {$3000.00} was made the week before, in addition my account is on automatic payments. I was then transferred to the Collections Dept where I was then told my account was current and they didn't have any other explanation why I couldn't use my account other than " PNC was going through system issues with their recent conversion of account numbers ''. I was then transferred to a manager whom also had no clue why I couldn't use my funds. I then contacted my local PNC bank and was given no further information other than my account was " locked ''. We spent several hours on the phone to not be provided any clear information or even less a sincere apology from PNC. The issue has since been resolved after several days of the unknown from the bank. I would expect PNC to at minimum provide some sort of compensation to me or my PNC account for my time away from work and on the phone w/ them and an apology for their lack of empathy regarding an issue that was caused by PNC .
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (NY)

On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.
Consumer complaint received 2024-03-06
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. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and responsibility and I noticed an account that does not belong to me. I have no knowledge or have I ever had a signed contract with the account stated below. In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

the inaccurate information on my credit report is stopping me from improving my credit score and getting me approve for credit to get a new house for my family.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (UT)

I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below. 

XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX
Consumer complaint received 2016-03-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (WI)

I have been receiving calls from First Recovery. I spoke with XXXX today. Number called was XXXX. Reference number was XXXX. She knew my name, the last XXXX of my social security number, my address, my bank account, my employment. She said she was recovering a debt from a payday loan XXXX XXXX, 2011 for {$400.00} from XXXX XXXX. I have never received a payday loan nor have received any paperwork for this debt mailed to my home. She said she would put this debt in dispute. I am worried because she knew everything about me.
Consumer complaint received 2022-11-30
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. (FL)

Hello, I took the time out t call and reach out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

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 2024-03-06
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)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever it consumer reporting agency prepares a consumer report and shall follow reasonable procedures to maximum possible accuracy of the information concerning the individual of whom the report relates These accounts, XXXX XXXX with account number XXXX, XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX. Are not complete and accurate. 
And one more thing according to 15 USC 1681S two a person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 


Check the attachments below.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

I haven't used my Chase Slate card in about 9-10 months. I actually forgot that I still had the card. My card was damaged and wouldn't work anywhere so I ordered a new card and started using it once again. Upon using the card again everything was ok and working. Chase sends me a letter stating unsatisfactory relationship with them. Whatever that means. I have never been late or missed a payment with them ever. I have never missed or been late on anything in my life. They can see this through my credit report. Nothing giving a detailed explanation of why they would send me a replacement card to use and then close my account shortly after receiving and using the card. During the call to get a replacement card mailed, I tired a credit line increase in which I was denied of. Which is fine thats a small hit on my credit but to close my account for no reason explained after all this is absurd.
Consumer complaint received 2022-11-30
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: ALLY FINANCIAL INC. (SC)

In accordance with the fair credit reporting act XXXX Account # -- -- --, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 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 2022-11-30
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. (FL)

XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting act XXXX Account # -- -- --, has violated my rights. 
15 USC 1681 Section 602 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. 
15 USC 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 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northeast Collection Bureau (GA)

I received a call from Northeast Collection Bureau about a debt with XXXX XXXX. The company did not leave a message and when I called back the guy as very rude. I asked for the name of the company he was giving partial information. When I hung up the phone, the guy called me back still being rude. When I asked for the address of the company, he stated " why so you can send a cease and desist because you ca n't pay your bills '' then hung up. This company did not send me any letter in the mail or nothing. This my first time hearing about this company.
Consumer complaint received 2024-03-06
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My home is financed with PHH Mortgage. In XXXX, I inquired about having the PMI removed. The current financed amount on the home is $ XXXX. The house if conservatively valued at $ XXXX, well over the 80 % threshold. In response to my inquiry, PHH instructed me to fill out a form along with a check for {$100.00}. I responded shortly afterwards with both by mail. 

After 6 weeks or so, I called PHH to get an update on the process. I was then told that the fee had changed from {$100.00} to {$150.00}, and I needed to send an additional {$45.00} to get the appraisal. 

My specific complaint is that when a bank discloses a fee, they can not change their mind midway though the process. This feels like a predatory lending practice, or possible a TILA or UDAAP violation. Please review my complaint and contact me with any questions or comments. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-29
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. (TX)

number XXXX XXXX accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DE)

XX/XX/XXXX I paid off my mortgage. I have called and was promised multiple times that I would get the paperwork for my mortgage. 

The latest call XX/XX/XXXX, I was told that the mortgage info for XXXX was not legible and that they requested a clear copy. I was unsure of this since XXXX has been Nation Star for  some time, buying out my mortgage. Now they renamed to Mr. Cooper, I was sent documentation of the loan payments being received.
Consumer complaint received 2020-12-21
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. (CA)

I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, 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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ACT IS SET FORTH AS A COMPILATION OF THE VARIOUS AMENDMENTS TO THE ORIGINAL ACT. THE SHORT TITLE OF THE ENTIRE ACT IS THE CONSUMER CREDIT PROTECTION ACT. TITLE 1, WHICH COVERS CONSUMER CREDIT COST DISCLOSURE, IS KNOWN AS THE TRUTH IN LENDING ACT. IN ADDITION TO GENERAL PROVISIONS, TITLE 1 CONTAINS CHAPTERS ON CREDIT TRANSACTIONS, CREDIT ADVERTISING, CREDIT BILLING, AND CONSUMER LEASES. TITLE V1, WHICH COVERS CONSUMER CREDIT REPORTING, IS KNOWN AS THE FAIR CREDIT REPORTING ACT. THE PURPOSE OF TITLE V1 IS TO REQUIRE CONSUMER REPORTING AGENCIES TO MEET CERTAIN STANDARDS REGARDING THE CONFIDENTIALITY, ACCURACY, RELEVANCE, AND PROPER USES OF THE INFORMATION THEY MAINTAIN ON CONSUMERS. TITLE V11, KNOWN AS THE EQUAL CREDIT OPPORTUNITY ACT, MAKES IT UNLAWFUL TO DISCRIMINATE AGAINST CREDIT APPLICANTS ON THE BASIS OF RACE, SEX, MARITAL STATUS, OR AGE. ( LKM )
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Hello my name is XXXX and PayPal recently permanently limited my account and isn't allowing me access to any of MY FUNDS for 6months! Im more confused than anything because I've done nothing wrong. It's impossible to get in touch with anybody to try and get a solution or a reason atleast. Ive emailed, called, live chatted, countless times and I'm ignored. I'm completely at a loss right now during this pandemic and im in desperate need of my money PayPal is holding because bills are way past over due. My email address is XXXX. thank you so much for your time.
Consumer complaint received 2023-08-23
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX 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
Consumer complaint received 2023-08-23
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.