davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MO)

On XX/XX/21 a friend of mine gave me some money and asked me to hold onto some money of hers so she didnt spend it because she was trying to save up for a vehicle and something always happened and she would need the money before she had enough to get the vehicle she wanted I said no problem that I would deposit it on my way home. I stopped at the gas station on my way home and ran into an old acquaintance that asked if I could give her a ride home. I said I had to run to the atm but yes I would give her a ride. While I was driving she was on my phone controlling the music for the ride. I deposited the money and then took her home and went home myself. The next day I noticed the money was gone from my checking account and had been added to XXXX XXXX. I checked my XXXX XXXX and it was added and then sent to XXXX XXXX, which I assume is a fake name for a XXXX XXXX made by the chick I was giving a ride home so it wouldnt lead directly back to her. I disputed the transactions with XXXX XXXX and with PNC because the person I talked to at PNC said it would be best to do both. PNC did an investigation and deemed the charges not fraudulent. I disputed it again and had the same result but the lady I talked with told me that because it happened on my phone it will almost always turn out that way and that I needed to dispute it here because they were in fact unauthorized transactions and I should not be responsible for them.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC (AZ)

XX/XX/20 called Loanpal due to credit alert. My score had dropped over 100 points on all 3 credit reporting bureaus. I asked why the report was made as I've never not paid. I had been told that my payment went up because I had not met a target rate and I was delinquent 30 days in the amount of {$60.00}. I was unaware of any target rate. I explained that I'd always paid my bill based on the contract amount and had not missed any payments. I asked that they make the correction and there was no give there. 

This is an installment agreement. The payments are to be the same month over month. This is what I was told when we made the purchase. The company derailed my credit because they chose to raise my payment. They ruined my credit over a {$60.00} underpayment that I was not aware of. 

I paid the additional {$60.00} and have been paying the bill at the higher rate. This is unfair as I agreed to a monthly payment of {$140.00} which is the amount paid each month. This is tantamount to fraud and is clearly a bait and switch scheme. 

I'm appalled they would report this given the current world events. The economy is in shambles for many people. There was and has been no offer to defer or even correct their mistake.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (AZ)

My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Consumer complaint received 2020-10-23
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. (FL)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. 08 XXXX XXXX XXXX  XXXX XXXX Account # XXXX BAL {$12000.00}
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

I have been harmed by Synchrony Bank. They have lowered my credit line on two accounts ( Lowes and Care Credit ) based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on the Lowes and Care Credit accounts have been on time and never late. All open accounts on my credit are in good standing and paid on time.

On the Lowes account, they lowered my credit line to {$250.00} from {$700.00}. My current balance is {$240.00}. Their action has caused my credit usage percentage to increase from 34 % to 96 %.

On the Care Credit account, they lowered my credit line to {$3900.00} from {$8500.00}. My balance is {$3200.00}. Their action is this case has caused my credit usage percentage to increase from 38 % to 83 %.

I have attached my payment activity for both accounts, as well as, my billing statements. My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (AZ)

Apparently, according to XXXX XXXX, cashcall mortgage has sold my mortgage to XXXX XXXX. However I have still not received any notification of this fact from cashcall mortgage. It is not clear if I should send my payment to the new company who seems legit and has apparently purchased the mortgage legitimately because I can get no response and no answers from the current servicer despite repeated phone calls and emails.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Best Service Co.,Inc (CA)

Mid valley collections bureau Aka professional collection consultants have used illegal tactics to put a one on my property. First they unsuccessfully tried to garnish my wages, the judge ordered in my favor via the XXXX XXXX police department. After unsuccessfully trying to garnish my wages they put a lien on my property even thought they were told they are no longer allowed to make attempts to collect money I do not owe. Ive asked them repeatedly for validation of days debt which they have not replied and failed any form of validation. They keep changing the amounts owed, and their name. I was never informed there was a lien or an attempt to put a lien on my property. By law creditors have to let you know before putting a lien on your property. The lien was placed on XX/XX/19 and I just was notified by my title company on XX/XX/19 that there was a lien. I was never notified and all this time has gone by with interest being added. What they are doing is illegal and they need to stop using illegal tactics against consumers.
Consumer complaint received 2018-09-23
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: Experian Information Solutions Inc. (OH)

On XX/XX/2018 I was going over my Experian credit report and noticed three different accounts for XXXX XXXX XXXX. Two listed under XXXX XXXX XXXX for {$1000.00} each and once for XXXX XXXX XXXX for {$1700.00}, making this debt appear on my credit report at total of three times for a total amount of {$3800.00}. This is a clear violation of the Fair Credit Reporting act and needs to be remedied immediately. I contacted Experian dispute on XX/XX/2018 and was notified on XX/XX/2018 and there was no change on my credit report. I had no problem with XXXX and XXXX fixing this issue, just Experian. 




XXXX XXXX XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX, Experian and XXXX  ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (FL)

Equifax also refuses to provide me a copy of their detailed investigation which is illegal. I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (PA)

it began XX/XX/2022. I applied for a stove at carmines appliances. I was sent to Lendmark and they took my information over the phone. I waited over thirty days to find out if I was approved. I went to the store, and they said that I would have to call Lendmark. I made that call to find out that I was not approved because I needed my sister 's income because mine was not high enough. I did not give my sister permission to use my identity or my income.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

I am having difficulty receiving my year end statement, and PNC has refused to provide me online access to my mortgage account or financial information. 

I received an email from USPS Informed Delivery that it was to have been delivered last Friday, XX/XX/2023, but it hasn't arrived. I have reported it as missing to USPS as well.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request XXXX to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately.

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached.

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit.

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed the validity of the bankruptcy information being on my credit reports with TransUnion, XXXX  and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XX/XX/2018 indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a TransUnion representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from XXXX  saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence Resource Management LLC is attempting to collect {$140.00} on debt not owed, allegedly on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX phone bill was paid in advance and subsequently terminated prior to completion of the service. The amount of {$140.00} represents the refund due for services not rendered on the advance payment. 
Credence has made multiple derogatory claims with the three credit rating bureaus, which have been removed. However, Credence files these claims again each time they are removed.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/2020, I transfer a international transfer to XXXX XXXX XXXX but in a Father 's account, in this time my bank said that the tranfers is complete in this account, XXXX said me that the transfer is never is in the Father 's account. 
In this time, I had all transaction with my bank for return the wire transfer, and they have return in XX/XX/XXXX, for this time I have all transaction with XXXX for pay my loan, and she only post my Id card in XXXX wihtout my authy and it is a fault. 
I want to pay my loan but with wire transfer for pay my taxes, and XXXX need I pay withput the taxes
Consumer complaint received 2020-08-20
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 — Investigation took more than 30 days
Company: Birchwood Credit Services, Inc. (MA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2017-09-14
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. (MO)

XX/XX/XXXX I had called XXXX XXXX to attempt setting up my own account. I was asked for my social security number so they could do a credit check. I specifically asked if it was a hard inquiry or a soft inquiry to determine if it would affect my credit report. I was told by the customer service agent it would be a soft inquiry, so I proceeded through the process to establish an account. Officially XX/XX/XXXX I had established my account with XXXX. XX/XX/XXXX I visited XXXX XXXX and noticed I had a hard inquiry from XXXX on my Equifax credit report. I immediately called XXXX and reported this false information, and they told me that there was nothing that they could do that they apologized for having been given the incorrect information. I also later called Equifax and they told me there was nothing they could do to investigate or remove the inquiry. Bottom line, the correct course of action was taken, XXXX 's process is actually to pull a hard inquiry to the credit report to be able to have an account. But I was directly misinformed when trying to establish my account.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2023 I received a letter from Resurgent Capital Services. They're attempting to collect a debt that is not owed. Also, they indicated I had until XX/XX/2023 to contact them. I received the written notice with 27 days to respond instead of 30 days as this violates 15 U.S.C. 1692g ( Validation of Debts ). Second, my father received an email from them on XX/XX/2023 showcasing a debt that is incorrectly owed. Under 15 U.S.C 1692c ( b ) ( Communication with third parties ) my rights under FDCPA have been violated. The email indicated a debt that was incorrectly owed, the amount of the debt that was incorrectly owed, and as discussed before this email was sent to my father. As in reference to 805 ( c ) of the Fair Debt Collection Practices Act, my rights have been violated as I am not a minor, and I never gave Resurgent Capital Services permission to speak to me or a family member on a debt that is incorrectly owed. As of XX/XX/2023 I am putting Resurgent Capital Services on notice to cease and desist communications with me as supported by 15 U.S. Code 1692c. I will provide documentation of the email Resurgent Capital Services below, and where my father attempted to respond & no answer was given by Resurgent Capital Services.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20