davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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: Consumer Portfolio Services, Inc. (AL)

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MN)

I have contacted Chase multiple times on XXXX and XXXX for a credit card application due to misplaced fraud alerts. They repeatedly asserted to me over the phone that they are sending hard inquiries to XXXX, not XXXX. I agreed with the hard pulls under the impression that they would contact XXXX. It turns out that they lied every time. 

The choice between XXXX  and XXXX  matters here because they mishandled my recent fraud removal requests and I am still working with them to resolve the issues. Until the matters are settled, a hard pull from XXXX  would not help my issue with Chase but only damage my credit score. Chase thus unfairly harmed my credit score without my genuine consent on hard pulls.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX I was charged double Over Draft Fees of XXXX each. Due to my account being over drawn over night on XX/XX/XXXX. This over draw was wrong because PNC processes my transactions on a unfavtual order to make me over draft before coming current. 

Due to those over draft fees my processing than made a XXXX  cash deposit on XX/XX/XXXX come up short. 

On XX/XX/XXXX I made 2 {$1000.00} withdrawals to XXXX XXXX based on that {$2000.00} cash deposit I made. On XX/XX/XXXX those two withdrawals to XXXX XXXX were also registered as an over draft when everything processed. 

On XX/XX/XXXX I was then given 2 reversals for the XXXX XXXX transactions and then 2 more overdraft fees of {$36.00} each. 

This due to poor processing and lack of fluidity and communication I have been charged {$140.00} in over draft over 3 days. Wrongfully. 

Furthermore I have contacted PNC Bank several times to block over drafting transactions with my debit card.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (VA)

I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX  on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle.
Consumer complaint received 2019-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX 2019 I looked at my annual report and noticed a collection is still is on my report after disputing it back 3 or 4 years ago the company never validated the account or sent me any proof of the debt, upon trying to dispute it the attachment above is what I received not only I could not submit online, if I tried calling you are waiting on a representative to pick up the phone for hours. Experian please do better with your practices you are not investigating the disputes instead you are responding back to the consumer stating the account was accurate. Who verified? How was this information verified? Where are the docs the back this up? Why do I have to go to this length to get some answers?
Consumer complaint received 2019-02-04
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. (CA)

Hello, I submitted a signed letter to Experian, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Experian and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Experian an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.
Consumer complaint received 2018-04-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX can not produce my loan information they refer me to XXXX  who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have XXXX and XXXX accounts that show me FICO credit scores. 

My XXXX Monthly FICO Score based on Equifax data is XXXX as on XX/XX/2024 XXXX shows it XXXX as on XX/XX/2024 again the same FICO score based on Equifax data. 

How can FICO Scores from the same agency be so different?
Consumer complaint received 2019-02-04
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: Collection Bureau of Fort Walton Beach, Inc (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX  XXXX, XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

XXXX XXXX, XXXX, amount of {$1200.00}. I have filed a Police report for XXXX XXXX. XXXX XXXX has removed this account from all three of my credit reporting agency. However XXXX XXXX is now reporting the fraudulent account XXXX XXXX to my XXXX credit reporting agency and has not responded to remove this fraudulent account.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I bought a {$400.00} Visa gift card at XXXX XXXX, to buy a plane ticket on XXXX XXXX. I went to the XXXX website and booked the ticket, paid with the card and all seemed fine until I went back to XXXX   website the next day and the reservation said " ticket pending ''. So I called XXXX  and they said the card was declined. So I went to the Visa card site ( I bought it at XXXX for {$5.00} ) and realized i had to register the card so i did. I called XXXX  back and gave them the Visa number, expiration date and 3 digit code, to buy the ticket. Went back to website the next day, still said Pending, meaning the card was declined. So I called the XXXX/XXXX   number on the activation ticket, and after being on hold for ONE HOUR!!!!! I was told I had to call Visa directly. I did, and was told that " to buy a plane ticket I need to have the purchase price plus 15 % on the card '' ( the ticket was {$370.00} and the card has {$400.00} ). When I asked what for, I was told " incidentals ''. It's a plane ticket folks, there are no incidentals! I asked where this was stated and they said in the cardholder agreement on their website. I printed out this agreement and NOWHERE DOES IT MENTION PLANE TICKETS OR 15 % above the price! I asked the " customer service rep '' where this was stated and he couldn't tell me ( and this was the " supervisor '' that I asked to speak with after the first person i talked to had told me that. ) I have bought many plane tickets, and never have I heard of this. Surely this must not be legal, what authorized Visa to take/put on hold more than the purchase price of a plane ticket? 

XXXX XXXX has repeatedly told me that they do NOT place a hold on any amount over the ticket price, so I am concluding that either XXXX  is lying or that VISA is requiring the extra hold, which is nowhere in the Cardholder agreement. I have spoken with my lawyer, and this is considered at the least Breach of Contract and perhaps also Fraud. 

And what make this all the more suspicious is that no one will put anything in writing, neither XXXX XXXX attesting to the fact that they dont require a hold or the Visa people stating why my card was declined or where in the agreement it states that they can hold 15 % over the purchase price on the card. 

I need some help in either buying this airline ticket using the card or getting my {$400.00} plus the {$5.00} purchase price refunded to me.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT WORLD SERVICES, INC. (MO)

I disputed information on my credit report that was inaccurate inXX/XX/XXXX I asked the credit bureau to investigate every piece of information on the account I have listed below According to the FCRA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom she is acquainted or may have knowledge concerning any such items of information They say my account is verified but how if they did not properly do an investigation according to the law. They are still reporting this information on my credit report And according to the FCRA 15 USC 1681 everything has to be 100 % accurate
Consumer complaint received 2019-02-04
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. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-02-04
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: ERC (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2024-04-06
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP. (OH)

This account is incorrect, I paid my mortgage every month on time, I tried to work with the company to resolve any issues, I surrendered the mobile home and it was sold to the trailer park, they say I owe XXXX and I don't, I walked away free and clear
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-02-04
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. (CA)

Hello, I submitted a signed letter to Trans Union verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section XXXX to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Trans Union and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Trans Union an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

The Moneygram company canceled a transfer and did not return the money, they say it will take many days to give me an answer. 
Financial institution : XXXX transfer # XXXX My name : XXXX XXXX ID : XXXX, California Address : XXXX XXXX XXXX XXXX CA XXXX email : XXXX Phone : XXXX Note : This company keeps people 's money for many days and until many claims are made, calls, until then they program it to return them.
Consumer complaint received 2019-02-04
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)

Hello, I submitted a signed letter verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Equifax and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Equifax an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.