davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$580.00}.
Consumer complaint received 2023-01-18
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


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 2020-12-24
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, TOYOTA MOTOR CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

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 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scratch Services, Inc. (MA)

Received a letter in the mail from Scratch Services LLC XXXX XXXX XXXX XXXX XXXX CA telling me I have defaulted on a XXXX loan issued to me under the XXXX. I never had such a loan, never got XXXX, don't have a business. The letter says they have previously tried to contact me to pay XXXX XXXX XXXX  {$19000.00}. I have never heard of XXXX XXXX XXXX.
Consumer complaint received 2020-01-17
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. (CT)

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX  hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX deleted inaccurately reported medical debt on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I completed a trial plan after my struggles with XXXX. I was told all arrearage including escrow shortage would be put to the end of the loan. My payments at that time was {$1600.00}. After making 6 payments and keeping the account current I received a communication that after a recent escrow analysis my payment would be going up to {$3800.00}. After being blindsided by this I immediately called SPS. The young lady said she could extend the escrow out 36 months versus the current 12 months. After " I '' helped her with the calculations she submitted it to her supervisor and was immediately turned down. She advised me to fill out an RMA online for additional help. I then filled out the application stating my issue and submitted. The next day I received a denial. I signed up for paperless that is why the denial came so quickly. I then called back, bagging for help. The new agents advised they sometimes extend escrow 24 month, but not for me. Yes, " but not for me ''! She also stated the first agent just wasted my time as they would not look at an RMA for escrow. The new agent asked to take a payment knowing i couldn't afford it. No sympathy, no empathy!!!!!!
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My XXXX Secured card reported to Transunion XXXX   And XXXX  As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.
Consumer complaint received 2018-03-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Equifax stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to Equifax, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that Equifax and XXXX  has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have this XXXX XXXX HARD INQUIRY removed from my credit report immediately.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion just reported a " late payment '' on a charged-off account from XXXXXXXX XXXX XXXX which is an FCRA violation. How can there be a late payment on an account that's already charged off and closed?
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I submitted the following complaint on XX/XX/XXXX with the XXXX and received the response that this complaint did not fall under XXXX parameters and to instead seek remedy with the CFPB. They may have also forwarded this complaint to you, but it was not clear the method. To avoid the risk of it being delivered by postal mail and delaying a response I am submitting this complaint. 

My complaint submitted with them is the following : I applied for the PenFed Pathfinder Signature Rewards credit card on XX/XX/XXXX and was approved. At the time I had a PenFed Access Checking account which allowed for the credit card to receive an annual fee waiver. 

I closed the Access Checking account on XX/XX/XXXX. I was then charged an annual fee on the credit card XX/XX/XXXX that reads " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX REFERENCE ID : XXXX '' Per PenFed 's website it states the following under the annual fee waiver for the credit card : " ***As a PenFed Pathfinder Rewards cardholder, if you qualify for Honors Advantage ( member of the military or XXXX XXXXXXXX or Free Checking account holder ) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change. '' https : //www.penfed.org/credit-cards/pathfinder-rewards-visa The last sentence that states I will receive advance notice of this change was not provided to me. I did receive an email on XX/XX/XXXX from PenFed informing me the card was no longer receiving the same reward points as it was previously, but nowhere in the email is it mentioned regarding the annual fee. 

Additionally, the language reads as an ANNUAL fee waiver. I opened this card on XX/XX/XXXX and the charge I received on XX/XX/XXXX indicates it is for XX/XX/XXXX Through XX/XX/XXXX. When I called on XX/XX/XXXX and spoke with a representative, she informed me that the annual fee would not be credited back and even if I closed the account I would still be subject to the entire {$95.00}, despite not receiving the full year of the card. 

I then inquired what would happen if I closed the account and she informed me the {$95.00} would be sent to collections. I stated I would not be closing it and would file a complaint as this was unsatisfactory. At no time did the representative offer any other alternatives. 

I seek a speedy resolution because I was not informed in advance of this by the credit union and they are requesting the {$95.00} by XX/XX/XXXX.
Consumer complaint received 2023-12-02
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. (CA)

This is my numerous endeavor 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX STABLE XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

On XX/XX/20 my bank account was froze without warning or provocation. I received no message through online banking.no phone call no email. I was unable to pay for groceries at the store is the way I realized I had no access to funds. I customer service with PNC bank who told me my account was under investigation. XXXX XXXX Michigan branch manager told her I was sending money to a romance scammer, and it was her job to protect my funds. 
All funds in my account have been from my investor. This was a knee jerk  reaction and slanderous act. When contacted the branch manager said she could keep my funds froze up to 90 days. I have a XXXX XXXX and require access to funds. And we are having blizzard conditions here in Michigan. I explained this to the branch and to investigators. My account remains frozen. I am.unable to.close the account because.it is under investigation. The deposits and balance are over 6 thousand dollars. And my car and house insurance are.due and my phone bill. This is causing severe financial hardship
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I was on a Discover payment hardship program, which reduced my interest rate to 15 %. 
I was told that if I remove myself from this program, I would be able to get access to 1,000 ( my credit limit for my credit card-my credit card balance. 

I decided to do this and a customer service rep removed me from the program. 
She even told me it would put me on the same terms and conditions as before. Never mentioning that was there no guarantee that I would be able to use the card again. 
She misled me. 
Then once it had been done and asked her how long it would be before I could use my credit card, the truth finally came out.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

Dear sirs ; I requested information to validate this debt. When I questioned what was sent to me this company has not answered. I requested SCA Collections to provide me with more information about these alleged debts and the have ignored my request. I asked them to remove these collections from my XXXX and XXXX credit reports if they could not provide me with what I asked for they have ignored my request, They have not answered my letters and at this point I question if this is a real company This debt has not been validated.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (SC)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts will remove in my credit file as soon as possible. Here are the list of disputed accounts : XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX