davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

This is my second complaint to CFPB about this issue. My credit card was fraudulently charged with hundreds of dollars of XXXX XX/XX/XXXX charges. I disputed the charges and Citibank did removed some of the disputed charges. However there is still approximately {$600.00} of fraudulent charges made AFTER Citibank discovered the fraud and had disabled the card. Every time I speak to Citibank they state they will reverse the charges but have not done so yet, and continue to charge me interest on XX/XX/XXXX fraudulent charges.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

the company has restricted my account ( due to false claim, as explained in other complaint [ XXXX ] ) in the meantime I had a fraudulent charge that I wanted to dispute, but the company blocked me from disputing
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-12
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. (IL)

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

1. I took a mortgage loan to buy a new construction home through PNC Bank. The settlement was supposed to happen on XX/XX/2021 but because of the negligence of the Bank, the bank did not make a wire transfer to the settlement agent till the next day. XX/XX/XXXX was XXXX XXXX holiday, something that was also known to the bank. As a result the settlement took place on the next working day on XX/XX/2021. The PNC bank refuses to fix the closing documents to reflect the new date of settlement even though the settlement company has done so. According to the bank 's documents, the settlement happened on XX/XX/XXXX. The bank is also charging me interest in the amount of {$100.00} for this period, which is wrong. I have attached the Settlement Statement by the Title company and the Closing Disclosure package from the PNC Bank to support this claim. 
2. I was promised by the bank 's mortgage loan officer that I would get at least {$750.00} in origination fees as part of the loan. I accepted the loan on this condition. The bank did not give me this money in spite of my reminder. A copy of the email exchange is attached to support this claim.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-14
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. (NJ)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX ASST # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX OF XXXX # XXXX, XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I made an agreement with XXXX XXXX to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told XXXX XXXX could not help me. I was told by the collection agency that they would report it as paid to XXXX XXXX and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
Consumer complaint received 2022-04-11
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: LEXISNEXIS (IL)

After sending information to verify myself with my disputes, LexisNexis has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

I got a collection on my credit file from Capital Accounts LLC I don't owe this agency any money nor do I owe any veterinary hospital. 
I contacted them via mail requesting they validate this account. I have not received anything from them. Yet they continue to report this error on my credit
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX Adjusters Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I desperately need some help resolving the situation at hand!! I've dispute with XXXX, XXXX to no avil that Portfolio Recovery is reporting inaccurate credit information on my credit file. Even after being notified. 
XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection XXXX The date last activity was reaged every month i disputed this account with XXXX  The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the XXXX  which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Consumer complaint received 2022-06-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC. (IN)

Someone used my information for these account I didn't authorize no one to use my information, these is consider fraud. At the time I was diagnosed with XXXX so I wasn't able to open these account. I was in the XXXXXXXX XXXX XXXX XXXX XXXX, I couldn't XXXX XXXX XXXX XXXX and I can XXXX XXXX  because XXXX XXXX XXXX XXXX. can you please act on this matter as soon as possible please and thank you.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I received several documents claiming that a dispute that was filed was settled. I became concerned because I had not filed any disputes with PNC Bank regarding any issues paying my XXXX XXXX Credit Card. I pay this card using PNC Bank bill pay. I am in control of when this bill gets paid, they do not bill the bank for payment. 
I stopped into a local branch at XXXX XXXX XXXX XXXX PA XXXX to speak to a representative about the issue. I asked for a manager that knew the banking system, I was looking for someone that could answer the questions. The lady at the desk boasted that they have a General Manager and two assistant managers, all that know the system well. She asked me what the problem was. I presented her with several papers claiming that a dispute had been filed over several transactions dating back to XXXX of XXXX. As she looked into the issue, she asked if there was another person on the account since the notation indicated that " she '' did not recognize these payments. She asked if XXXX could have filed these complaints. My response was that XXXX, my wife, passed away in XXXX of XXXX so it would be impossible for her to be the one filing the complaint. At that point, she had no other answers other than maybe someone put a wrong account number in. She also stated that she knew I did not want to hear that. The problem is that she refused because I became irritated that she did not answer and was not willing to pursue how this happened. This did not leave me with much confidence that my banking was secure.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Well after 2 plus hours on the phone I have been hung up on. I haven't been able to get any card, loan, eat. In my name says that my info doesn't match what is on file.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

The original creditor on this is XXXX XXXX I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called Midland credit credit which is referring to the XXXX XXXX creditor which was removed already.
Consumer complaint received 2022-01-12
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AZ)

Courts do not write to consumer reporting agencies. I want a file and my report sent to my address. I have reached out to Lexus nexus and they said it was valid. I know they did not get the information from the courts. 15 USC 1681A ( 4 ) they have infringed upon the right to my privacy.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I was a with SYNCB/TJX CO customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/2016 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-06-08
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-12
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian obtained reported information illegally from a creditor which is XXXX which reported adverse information to experian about my consumer credit standing, & reported account delinquent because I failed to pay the alleged debt which is a direct violation of 12 CFR 1026.13 ( d ). Also the statute of limitations on debt in Texas is four years according to Section 16.004 of the Texas Civil Practice and Remedies Code.
Consumer complaint received 2022-06-08
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. (TX)

I want an explanation why XXXX XXXX XXXX XXXX ( XXXX  ) and Experian labels my request as " This complaint appears to be about the same issues as your earlier complaint. '' when they have yet to send me the permissible permission used to access my credit report in XX/XX/2017. At this time, forget the copy of the permission and just explain why they refuse and label my request as duplicate when they have yet to perform.
Consumer complaint received 2022-07-02
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. (TX)

Transunion and XXXX apparently did an Hard inquiry on my credit report without my permission. 

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. 

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. 

Screenshot attached.
Consumer complaint received 2022-08-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX/XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions,
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc. (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2022-08-25
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: CITIBANK, N.A. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.