davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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. (NV)

I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete
Consumer complaint received 2022-09-05
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. (FL)

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-28
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. (NC)

XXXX XXXX Account NumberXXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights 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. 168 S-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 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ( 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 a account without my written instructions.
Consumer complaint received 2018-06-05
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: GFS II, LLC (MO)

There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (TX)

I would like to file a complaint against Laurel Road Online Banking. 

I found two unauthorized charges on my Laurel Road Checking account ( XX/XX/XXXX charge of {$28.00}, XX/XX/XXXX pending charge of {$26.00} ) on Friday night XX/XX/XXXX. Since there was no Laurel Road customer service on Friday night, Saturday or Sunday, I contacted Key Bank Fraud Department ( Laurel Road Online Banking is part of Key Bank ) on Saturday to report these two unauthorized charges. A Key Bank representative told me he could not do anything to stop it. Key Bank could not see any Laurel Road charges. The Key Bank representative advised me to block the debit card online, which I did. 

I called Laurel Road on Monday morning XX/XX/XXXX. Unfortunately, there was a new pending charge of {$27.00} on Monday XXXX, which Laurel Road could not block. 

Below are the three unauthorized charges date, description and amount XX/XX/XXXX XXXX  # XXXX {$28.00} XX/XX/XXXX XXXX XXXX # XXXX {$26.00} XX/XX/XXXX XXXX XXXX XXXX {$27.00} Total {$82.00} I still have my debit card. I have never activated my debit card nor set up a pin. I have still not used my debit card either and I have never been to those three convenience stores. I really don't know how the scammer made those purchases without my debit card. I believe they have my personal information, my debit card information and have made a fake debit card. Looking at these three locations, all being convenience stores which I have never been to, it is very clear that they are all fraud. 

It took Laurel Road three months to investigate the fraud. Today I received a letter. Their investigation result is that these are not unauthorized charges because a physical debit card was present during the charges even though the debit card was still in my possession. Laurel Road requests me to return the provisional credit of {$82.00} on XX/XX/XXXX. 

I am very disappointed at the way Laurel Road has handled the fraud investigation. The fraud happened on Friday. Since Laurel Road does not have customer service XXXX, I tried to report the fraud on Saturday with Key Bank ( Laurel Road is part of Key Bank ) without success. I had to wait until Monday to report the fraud with Laurel Road. Still, it counted as reporting within one business day. 

I am a victim of this fraud and should not be held responsible for these unauthorized charges of {$82.00}. I strongly request that Laurel Road should credit me back {$82.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I opened my XXXX XXXX in my XXXX  XXXX App on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through Experian. I did not authorize any kind of inquiry and XXXX XXXX and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my XXXX XXXX.
Consumer complaint received 2023-05-24
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. (CT)

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-11-16
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. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-05
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-07
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. (SC)

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

Initially, I received an alert on my credit report stating that I owed {$1300.00} to Credence Resource Management for an unpaid bill from XXXX XXXX XXXX. 
I disputed this claim with XXXX and XXXX, because I had no knowledge of any past due debt with XXXX XXXX XXXX. 
Credence Resource Management responded to XXXX and XXXX saying that I did owe them {$1300.00} from an unpaid XXXX XXXX XXXX bill. 
They eventually sent me a copy of the past due bill from XXXX XXXX XXXX and it was dated " XXXX XXXX ''. 
The address on this bill was an address that I hadn't lived at since XX/XX/XXXX. 
Also, I am currently a customer of XXXX XXXX XXXX and my account is in good standing. When I called XXXX XXXX XXXX customer service, we were unable to access this account with my information. I was told that even the last 4 digits of my SSN didn't match with this account. 
I sent a certified letter to Credence Resource Management stating the above information in greater detail. It was received by them XX/XX/XXXX. 
As of today, I have not received any response from them, and this debt is still showing on my credit reports. 
This is not my debt, nor am I not responsible for this debt.
Consumer complaint received 2024-03-05
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04
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. (VA)

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

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXX  XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.
Consumer complaint received 2022-09-08
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Years ago when I opened up my own XXXX account the letter of acceptance with XXXX after I already opened up my own account said I had XXXX but once I got XXXX and Experian on my XXXX account it transferred my XXXX to a full portfolio of XXXX scores around XXXX could you fix this please
Consumer complaint received 2022-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (TX)

Hello, I am filing this complaint against Tower Loan due to never receiving the information I was told would be provided for my loan account. I have been told that there is some " bug '' in their system that is preventing me from receiving the e-statements that are supposed to be emailed to me each month showing my payment date, payment amount and payment information. Every time I have tried to reach out to Tower Loan I have been told this is being worked on and that there is no time frame as to when this will be fixed. I have been waiting since XXXX. The other day I received some letter stating that this issue was of non high priority and that my account was not considered to receive any attention regarding this issue and that most customers do not face this issue. Instead of trying to resolve this issue by getting it fixed I was told that I needed to contact the area Supervisor which I have and which is whom stated there was no time frame established for getting this issue resolved. Being told that my account situation is not of any importance is not going to be accepted by me. The person that wrote this letter if they are unable to fix this then they should take the time to figure who can. The person who wrote the letter is named XXXX XXXX. Well XXXX to tell me that my account is not of any importance to your business only tells me one thing that your company doesn't deserve my business for the simple fact that your company needs to be thrown out of business if your company is not able to assist customers with their situations. 


Thank you, XXXX XXXX
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hello My name is XXXX XXXX, I am a XXXX XXXX, and my son XXXX lives with me. XXXX has XXXX. We contacted Citizen 's bank about a mortgage on my home in XXXXXXXX XXXX. It sounded like a good idea but then we realized that if I die, in many years, XXXX could not continue the mortgage payments. XXXX only gets {$1400.00} from his XXXX payments and the mortgage was around {$2400.00} a month. We did get out of the mortgage before it closed, and we moved to XXXX XXXX  where it is cheaper to live. Even after I ended the mortgage, they still charged me {$880.00} in fees. I do not think that is right. I got out of the mortgage because there is no way my son XXXX could keep up the mortgage payments without my income. My late husband and I worked very hard all our lives to provide a home for our son. Citizen 's bank wanted to take advantage on my love for my home. Please look into their banking practices. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (CA)

I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX  at this time.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX I attempted to use my card at XXXX XXXX for {$500.00}. In the process of the transaction merchant states did not go through or kicked back if a issue will refund. On XX/XX/XXXX got a call from PNC about the transaction as possible fraud. also spoke to the bank they advise if the merchant did not collect it will fall of. On XX/XX/XXXX the transaction posted to the account I filed a dispute that no services was exchange merchant did not get money and I am out of money. Callback the next day agent advises at PNC that the previous agent did it wrong. Contacted XXXX XXXX XXXX  to see if they can possibly credit it back because that would be faster. on XXXX and XXXX spoke to PNC was told document sent out why I cant receive digitally is beyond me. Agent advised information I should send in I send email to dispute for pnc on XXXX. On XXXX message pnc they said the issue is escalated and some will contact me in 24 hours. It is now XXXX no calls I have call everyday. Im going back between outlaw bailbonds who claims PNC rejected the credit and PNC not responding so I don't know whats going on because no one returns my calls and I am out of {$500.00} with no return call or care in the world
Consumer complaint received 2018-10-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Shellpoint Partners, LLC (MN)

Just now, right after XXXX my time the company called about a mortage ( in an attempt to collect a debt ) that should actually be on track payment wise ( I have my bank automatically send payments to the lender ) Again, it was after XXXX.