davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (NY)

In XXXX, I disputed all transactions from my Citi XXXX XXXX credit card which ending XXXX cause I didn't purchase. Citi reverse credit in XXXX statement which have 6 transactions about {$300.00}. In XXXX statement, Citi only reissue me 5 transactions about {$300.00}. So Citi still missing me one transaction {$300.00} to reissued.Then I called dispute center more than 25times try to resolve this mistake, the phone call always cut off in middle or they misunderstand. Somethings, they said open new case for me then let me wait. Alright, I trusted them. The result is my credit score from XXXX to XXXX besause I didn't make payment for {$300.00}. I waited more than 2 months, I still not received my credit back.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

We purchased a home XX/XX/XXXX. Opening balance with PennyMac was {$320000.00}. 
We made payments on time up until we went into forbearance. We resumed regular payments for a period of time again, then again went into forbearance. As of XX/XX/XXXX our principal balance was {$320000.00}. XX/XX/XXXX we sold the home. The Payoff to PennyMac came back as {$330000.00}. Not only did we have that payoff, we had a payoff to HUD for {$7800.00} that we were told was paid to PennyMac for the forbearance. In total we paid off {$340000.00} at closing. 
I put in a phone call to PennyMac asking how we owed over {$11000.00} more than what we opened the loan. PennyMacs online payment details were extremely hard to follow, and the customer service agent couldn't even make heads or tails of it. He told me he felt like we should not owe the additional {$7800.00} to HUD and that we were being overcharged at payoff. That being said, he couldn't give me any more guidance other than to contact HUD and talk with the Title company. Needless to say it has brought me to this point. I have had no adequate explanation or documentation from PennyMac as to how we owed so much money at closing. 
This home is now closed, and PennyMac and HUD paid off as we could not close on the home without doing so. I am asking for a review and an explanation and/or reimbursement of overpaid funds to PennyMac.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX BANK XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, I did have some issues with repairs during that time the company did fix the issues, ( some and others we had to deal with ourselves ) ; however I have been having issues with XXXX XXXX reporting my loan information correctly. The first time I contacted MM was in XX/XX/XXXX and requested, for XXXX to correct the loan and monthly payment amount, they corrected the loan amount and still had the incorrect monthly payment. I was checking my credit back in XX/XX/XXXX, still was not fixed I waited and check again in XX/XX/XXXX and notice again the information was wrong with XXXX XXXX, so I contacted the business and Experian to report incorrect information on my credit with XXXX XXXX, once again the loan and the monthly payment amount was incorrect. I spoke with XXXX and she told me XXXX   have changed their reporting company due to issues, so I asked her why I have to keep dealing with this issue, she stated I wasn't the only one dealing with the issue, as if I was supposed to feel better. Then she proceed to tell me I need to contact the Credit Agency and dispute, well I had already filed the dispute twice and this would be the 3rd time  disputing. When I called Experian they told me to contact the Business, so I contacted XXXX again she was very rude, when I was telling her this information about my credit and that their company is reporting fraudulent information. Since XX/XX/XXXX Experian have tried to contact XXXX  for a month to get the correct information. Now I notice with All Reporting Agencies, XXXX XXXX loan has been closed on my crediting report, of course I am still paying and still trying to find out what I need to do to get this information corrected on my credit report and now working on getting XXXX  to report my car loan. The loan amount is currently {$13000.00} and the monthly payments is XXXX, however I pay XXXX - biweekly, never been lately or missed or payment. So now inaccurate information remains after the complainant disputes it, and now they are not reporting the information to any Credit Agency. The owner did reach out but he was asking me to send him information to show my loan amount and my credit report to show the loan is closed. If the finance department is reporting my loan information to their reporting company and the report company notifying the Credit Agency, why do I have to do their leg work? If I was late or stop paying they would rush to report. I also wanted to know if XXXX  ( private financing ) have to report the interest on my loan to the Credit Agencies, or should they only report the loan amount. Personally I feel if I am paying Loan + Interest, every thing should be reported. Thank you for your time and assistance with this matter.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX 5. XXXXXXXX XXXX
Consumer complaint received 2022-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I deposited a check in the amount of {$18000.00} in a Wells Fargo ATM, before the deposit was completed I got an alert that the funds would not be available until XX/XX/XXXX would I like to continue, base on the date given I chose to make the deposit instead on take the check to the issuing bank or taking cash for the issuer. Partial funds were release on XX/XX/XXXX with Hold of {$12000.00} dated to be released on the XX/XX/XXXX. I reach out to Wells Fargo several times regard the hold and was finally told by supervisor XXXX that they cant release the funds because it has not been received i should go back to the part t hay gave me the check. I reach out the the issuer and they contacted their bank, XXXX XXXX XXXX, they confirmed that the check in the full amount of {$18000.00} was realease on XX/XX/XXXX and provided me with the reference number. I then call back Wells Fargo and spoke to XXXX in escalations and briefed him on the situation and also provided him with the reference number and his response was it doesnt matter if they have recieved the funds they will not release the funds until the date they set and there is nothing he can do about it. If Wells Fargo has received my money I should be able to access it and not them hold it to invest until they decide to allow me to access it. I will close my accounts after 35 years based on these policies, I don't think are right!
Consumer complaint received 2022-04-05
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. (FL)

I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with XXXX XXXX credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX XXXX XXXX with XXXX XXXX again talking about XXXX XXXX. I have no late payments, my credit use is around XXXX % yet XXXX XXXX recently dropped my credit score by over XXXX points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that XXXX XXXX is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over XXXX in XXXX and nothing has happened that should bring my score to this low level/
Consumer complaint received 2022-04-05
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)

I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the deletion of these inquires
Consumer complaint received 2022-05-26
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. (CO)

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (MN)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

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 a account without my written instructions. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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. (MN)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

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 a account without my written instructions. 

Inquiry details XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

As a result of the agency gathering, maintaining, and furnishing my personal info without my consent, I have been denied employment, credit, had my identity stolen, and failed background checks unjustly. I never gave my authorization for the company to collect and use my personal info at all. 

Violation : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You have never had my written instruction to report on my behalf. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-22
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NY)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

On XX/XX/XXXX and XX/XX/XXXX, I disputed my debt with Medical Data Systems Inc through XXXX for an amount of a total of {$4900.00}. It was for one collection of {$560.00} and another for {$4300.00}. My dispute mentioned that I was not informed of this and because of COVID-19 I could not pay. I never received any information after this other than my dispute was true. On XX/XX/XXXX, I called Medical Data Systems Inc and spoke with a representative who also informed me of this debt. I informed her that I did not receive and bill and would need a copy of this bill. She told me to sign up through there website portal to see a bill. Prior to this, I asked her if she would mail me a copy of my bill and she declined saying that was not possible due to my dispute. I then told her I would need a physical copy of my bill to match it with my insurance information to verify and attempt to pay. She declined again informing me that she could not and I could just get the information from my insurance and verify what they did not pay. Being that in the past, I paid towards this same bill to another collection agency ( XXXX XXXX XXXX XXXX ) I wanted to see why this bill was not paid already and what the charges were. The company is still on my credit report causing me problems but can not produce a bill. After my collections was transferred from XXXX XXXX XXXX XXXX XXXX Medical Data Systems Inc. I did not receive a bill and could not verify what I am being charged for. A bill was claimed to be sent in the past but to a wrong address in which is confusing because that was not the address the other agency had on file. If I can not verify this debt I should not be required to pay this debt.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX ****XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!
Consumer complaint received 2022-06-10
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. (NJ)

This is a fraudulent inquiries from a dark web exposures are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX