davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-25
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: Tower Loan of Mississippi, Inc. (MS)

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX  has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   TOWER LOAN-XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX has the following : XXXX ( 3x 'S ) XXXX XXXX  XXXX XXXX ( 2'xS ) XXXX/XXXX TOWER LOAN
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XXXX sold a Charged off Debt to Portfolio Collection Company. Portfolio is trying to Collect XXXX $ more then the debt owed. This is False This is Fraud. This is against FCRA this is illegal. I demand that this account and all other accounts be verified with my signature on the original contract be presented and the amount owed. Or Delete them immediately. I will follow suit. 
Thank you. XXXX XXXX
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AR)

I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
Consumer complaint received 2024-03-19
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. (MI)

Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name Date of requests ) + Options XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a notice that my account had been temporarily locked and is under review. I received this letter by mail on XX/XX/2021. With this notice came the inability to access my account online, pay bills, or access the account at a branch location ( this includes the ability to withdraw or deposit funds ). I called the fraud division to try to help answer any questions and even went into multiple branches to aid the process. All personal from the company informed me that there was no information they could give me, no time frame, and no one to talk to about the issue. This is still ongoing and it has been 40 days as of XX/XX/2021. I have no way to pay my bills, access my funds, and I can not get somebody to explain to me what is going on.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Over the course of 21 years being a single mother, working full time in a XXXX XXXX XXXX in a XXXX XXXX XXXX XXXX my loans have doubled if not tripled I can not get help when I ask about the loans, or was I never told of programs to help me get anything erased, I am still in debt 21 years later and see nothing taken off the amounts just added on, they did enroll me in a repayment plan that is low but where was the help during the 21 years of having these loans.

Poor customer service, rudeness, surprise fees, bad information, call after call about my loans causing me to end up crying over the phone to them. Switching who has my loans repeatedly. Finally I just resolved the issue and stress by letting them ruin my credit for life and tack on so many fees I can not even tell where I am at or who has my loans anymore.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To whom it may concern : I am unaware of of this debt PORTFOLIO RECOVERY ASSOC I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this. 
I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls. 


I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls.

. I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC, is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC I am revoking all rights for them to communicate with me through email, text, and calls.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX is my Mortgage lender and Loancare collects payments for them. Signed up for estatements and they wouldnt send them. Called for months and spoke to several people about it. Excuse after excuse and they wouldnt fix the problem. Was late on 2 payments and it was because of their errors. Called last time and tried to make my payments in XXXX. They wouldnt let me. Said XXXX had changed over to new service, my file was deleted from the system and they could no nothing. They reported me to XXXX XXXX XXXXXXXX and credit agencies. Had my loan with XXXX XXXX for over 20 yrs, without a single problem, pay all my bills on time and am never late. Loancare has ruined my excellent credit rating. It was excellent and in one day because they accused me of being in default ( which is now on my record ) my credit rating with one agency drop XXXX points and with another XXXX. I call and cant get anyone on the phone. Msg. says no one can answer now. Loancare has GOT to fix this problem and IMMEDIATELY! They have to take off the late charge, call all creditors and tell them it was their error, have my credit rating restored to what it was and stop the torture Im going through. I am XXXX and have XXXX XXXX XXXX XXXX My mother is XXXX yrs. old and Im her sole caretaker. We have enough on our plate. I shouldnt have to go thru this and NO ONE SHOULD. Loancare is a disreputable co. and has to be stopped from ruining peoples lives like theyve ruined mine. I know this is a serious offense. I spoke with my attorney and I can file suit against them. I will report them to every credit agency and government entity I possibly can if they dont take care of this NOW!!!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.
Consumer complaint received 2021-12-06
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. (OH)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-08-27
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. (IL)

XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Compliant filed against BB & T, complaint # XXXX that was sumitted to CFPB on XX/XX/XXXX, but BB & T has merged with Suntrust and the new name of the bank is Truist. 
It is my belief that Truist Bank, knowingly serviced this accounts for XXXX XXXX who I feel are practicing questionable and possibly predatory lending practices. 
Truist bank has filed a Lis Pending on the behalf of XXXX XXXX and itself against % 50 interest in property that was purchased under Joint Tenancy that was collateralized without consent. 
If is my belief that XXXX XXXX, dealings in XXXX was extremely questionable and predatory and their lending practices should be investigated by all proper government agencies who are willing to sift through the maze of paper work to come to a just a fair conclusion concerning this matter.
Consumer complaint received 2018-07-31
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. (MO)

I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XX/XX/XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a FTC fraud report due to the inaccuracies on my credit report with XXXX  XXXX  and Equifax.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear XXXX, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

I have never provided written consent for XXXX to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA. 

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent. 

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report. 

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Arizona, XXXX XX/XX/2024 Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear Equifax, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

I have never provided written consent for Equifax to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA.

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent.

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report.

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (MN)

Complaint against Associate Bank, XXXX XXXX, WI XXXX Failure of Associated to stop the fraud, when they had the opportunity. 
On XX/XX/XXXX I determined that our computer had been hacked and we were victims of a scam. I called the bank to have our accounts frozen. At that time, I was informed that on XX/XX/XXXX two attempts using XXXX XXXX were denied but a third attempt of {$860.00} was successful. I filed a report with the XXXX XXXX police and a copy was eventually sent to the fraud division of Associated. On XX/XX/XXXX I filed an unauthorized transaction claim. On XX/XX/XXXX, I received a letter stating the bank was reviewing the dispute ( Case # XXXX ). I was never contacted for more information. Repeated meetings with bank personnel were unproductive. Letter dated XX/XX/XXXX stated the bank determined the transaction was valid and they would not be refunding my money due to fact that the XXXX XXXX was an authorized transaction using our cell phone, email and IP address. The question is why on XXXX. a money transfer was denied and at XXXX. was also denied. On XXXX. a withdrawl for {$860.00} was successful. I received no calls from Associated questioning these transactions. Note ; the primary phone number for this account is not my cell phone but a land line. The bank has never addressed these questions. 
I also have a complaint with lack of communication from Associated. The Minnesota Department of Revenue sent a check on XX/XX/XXXX and was deposited to the frozen account on XX/XX/XXXX to which I had no access. Only after checking with the state on XX/XX/XXXX did I find out where the money had been sent. The bank never notified me of the deposit and when I went to the bank, the teller told me I could have gone online which was impossible as the account was frozen. She then had to get someone to override the freeze to access my money.
Consumer complaint received 2021-12-06
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: Mercedes Benz Financial Services (PA)

I recently pulled my XXXX Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted XXXX again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " Mercedes Benz Financial Services/ partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. Mercedes Benz has not contact me about this debt, XXXX is the credit bureau that is reporting this fraudulent account. 

Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. 

I have attached the new police report I filed this year