davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (VA)

In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXXXXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Consultants, Inc. (GA)

Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with XXXX?
Consumer complaint received 2018-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I made a payment on XX/XX/XXXX on western union speedpay for XXXX   specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX  on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business
Consumer complaint received 2018-03-28
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. (NJ)

This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( XXXX, XXXX, Equifax ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I was unable to view the truth in lending disclosure until after loan had been processed and funds delivered to my account. I was not informed of the 473.733 % interest charge. To date Ive paid {$1700.00} to date for interest on a {$1600.00} loan. Ive only paid {$140.00} towards the principal. And Ive only made 9 of the 26 installments to this company.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/XXXX XXXX XX/XX/2023 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 2020-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 there were 3 charges on my account that were fraud I let them know that i didnt make these purchases they refused to stop the transactions and give me my money back the company is American Express Serve. The amounts are XXXX, XXXX & XXXX
Consumer complaint received 2020-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX a fraudster gained remote access to our PC pretending to be a software engineer intent on fixing an alleged software bug. While inside the computer, the scammer gained access to our online banking although he was never explicitly provided a password. The scammer was able to successfully initiate a {$500.00} XXXX transfer to an outside party, while Bank of Americas algorithms intercepted and blocked two other attempted transfers. Client alleges that : - The client has banked diligently with Bank of America since XXXX! 
- The client is retired, relies on fixed income only, and has experienced difficulties during COVID - the fraud specialist who handled the case on XX/XX/XXXX was negligent and did not sufficiently uncover in time the {$500.00} out of the SAV and only looked at out XXXX  - Bank of America circumvented the provisions and protections of RegE covering ACH transfers when encouraging clients to use XXXX - Bank of America did not sufficiently fulfill its zero fraud liability pledge - Bank of America did not sufficiently keep up with recent fraud trends of offshore parties gaining access to clients devices. XXXX did a recent documentary on this
Consumer complaint received 2020-05-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2022-09-15
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. (VA)

In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report. 

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

Credit card was opened in my name not by me. A lot was charged on card all not by me. 
{$9900.00} at the moment. I filed a police report in 2017 and spoke with there fraud department and sent a police report. The credit card company has not called me about any of the payments but they have really lowered my credit score with the charge off. and as of today it still shows up on my credit report as a charge off that has lowered my credit score over 100 points.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Counsel, Inc. (FL)

XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on  behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.
Consumer complaint received 2022-09-15
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. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

The Property that I own at XXXX XXXX XXXX, XXXX  XXXX TX XXXX is a single-family residence and is currently being reported as an apartment that is incorrect and has not been updated even though I filed several disputes.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Noticed at the end of XXXX my credit score dropped 90 points. After husband and I applied for a loan and were denied which was very unusual. Normally have excellent credit >750. Discovered USAA had reported a charge off on an account I had as a minor with my mother. It was closed 9 years ago when she filed for bankruptcy. Not sure why it was being reported now but it is well outside of timing for allowance on reporting. I did dispute with XXXX  and directly with Usaa dispute center both electronically and over the phone without any success. Makes no sense as all my accounts with Usaa are in good standing, have a boat loan and vehicle loan for many years now, would never be the case if this were true. All inappropriate reporting and I want discharged from my credit report.
Consumer complaint received 2018-07-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX has recently purchased a debt that I do not owe from Cash Store and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (OH)

RECEIVED A PHONE CALL FROM XXXX XXXX AT XXXX XXXX XXXX ON XX/XX/2018. GAVE THE FAIR DEBT " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE ''. SHE INFORMED ME THAT UNLESS I PAY {$470.00} THAT DAY THE ACCOUNT WILL BE REPORTED TO THE CREDIT BUREAU. I INQUIRED WHERE THIS ACCOUNT CAME FROM, I RECEIVED NO NOTIFICATION OF THE DEBT FROM THEIR COMPANY AND HAD NO CHANCE TO REQUEST COMPLETE DOCUMENTATION/ITEMIZATION FROM THEM TO DISPUTE. SHE GAVE ME AN ADDRESS OF XXXX XXXX XXXX XXXX OHIO XXXX, MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX AND VERBALLY INFORMED HER I AM DISPUTING THE VALIDITY OF THE DEBT, IF THEY ARE TO REPORT IT TO THE CREDIT BUREAU THEY WILL REPORT IT AS DISPUTED, AND AM REQUESTING ITEMIZATION SENT TO MY XXXX OHIO ADDRESS.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery is repeatedly calling my phone, sometimes 20x a day, and they are spoofing their phone number to come up as random businesses like XXXX XXXX from Illinois, even though they are actively trying to collect debts. They're doing this with the express intent to defraud consumers who should have the right to know the name of the actual business calling.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (MO)

After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police report.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We bought a new house in XX/XX/XXXX using the mortgage company with 5 % down and a PMI payment called XXXX XXXX Mortgage XXXX based XXXX CO, which was an absolute nightmare. ) The mortgage was sold to XXXX in early XXXX. On XX/XX/XXXX I made a huge payment to bring the XXXX below 78 %. As a courtesy I contacted XXXX to let them know that the loan was now below 78 % and that they were required by law, and by contract to automatically remove the PMI. XXXX XXXX Mortgage XXXX had advised us to do this, since we were selling houses and would have money to pay the mortgage down. They also said we would get a lower interest rate if we had PMI to start the mortgage. ) Note there will be another huge payment in the upcoming days/weeks. The first response from XXXX was I would need to contact them in 14 days to remove it. Note : By law and contract they are to automatically remove it. I don't actually need to ask them to, because it went below 78 % XXXX of the original purchase price, not 80 %, in which I would need to ask them. I let them know that they were required to automatically do it and I did not need to tell them to do it. They then told me that they can take 30 days or more to remove it, which could mean I pay PMI at least XXXX month more than I am required to since the loan is now below 78 % XXXX of the original loan amount and considering the real estate market in XXXX the value has not gone down. I also requested in writing that they provide me a complete list of all organizations that regulate them. They said I should sent my complaints to their compliance department and refused to provide me a list.