davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

One day I was checking my credit report and I noticed a collections for {$7700.00} the creditor is, Reflections on sXXXX XXXX XXXXhe debt was opened XXXX XXXX! Im not sure how someone acquired my information to now go and purchase an apartment in my name! I did lose my wallet earlier that year which I ended up putting in all my disputes which included my id still not sure if thats how! This debt is really effecting my life my credit and my rental history I cant move anywhere or get approved its been a nightmare.
Consumer complaint received 2020-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I am XXXX XXXX XXXX XXXX. I choice to utilize my VA option for my home loan/purchase. I originally received my home loan through XXXX XXXX XXXX XXXX, they then transferred my loan to Penny Mac, this last XX/XX/2019, they performed an escrow analysis. My monthly payment went up by around {$540.00} dollars a month, original payment was {$1500.00} now it is {$2000.00} I feel this is super inflated for escrow when it should have been rolled into my original monthly payment as agreed when I took out the loan for my home. I have called several times, and have been in email communication with them as well. I provided them tax statements, insurance totals, homestead, everything to show what has been included for escrow. Bottom line, not many people can afford a {$500.00} increase in their mortgage payment every month per year.
Consumer complaint received 2023-02-27
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)

In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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 2020-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

Acct # XXXX XXXX XXXX Hospital Date of Service : XX/XX/XXXX Amount : {$640.00} In XX/XX/XXXX, XXXX XXXX Hospital incorrectly billed a previous insurer, XXXX XXXX XXXX XXXX XXXX At the time, my coverage was through XXXX XXXX XXXX XXXX XXXX ( proof attached ), who fully covered this expense as can be seen from our XXXX XXXX XXXX in XX/XX/XXXX ( also attached ).  After multiple phone calls to the XXXX accounting department in XX/XX/XXXX, I was assured that the error was corrected. 
In XX/XX/XXXX, I received an invoice for {$640.00} from a collections agency. I have requested multiple times on calls to the agency for the bill and proof of the charge and have received none. I have called XXXX XXXX Hospital and received no proof of the bill. 

The collecting agency, RMP Services, has called me at work after my requests to cease and/or provide proof of the debt. On the last call, they threatened to take legal action, which is was proved by the letter from your law office. 

I would like XXXX to reconcile their accounts and remove this accounting error, and clear my credit report.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (NY)

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. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX 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.

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 2023-03-01
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. (AZ)

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, US Department of Ed XXXX, 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 2020-01-24
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. (MD)

I have sent several dispute letters stating that the public record reporting to me is inaccurate.. Transunion verifies bankruptcies thru XXXX.. I have included letter from XXXX stating that they have removed it from there record so how are they verify this public record ..Im a victim of id theft. My father has same name as me XXXX XXXX he has filed for bankruptcy.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (LA)

XXXX XXXX IS NO LONGER CLIENT OF IC SYSTEM, INC THE ACCOUNT HASBEEN PAID IN FULL, IC SYSTEM, INC. IS STILL REPORTING THIS TO MY CREDIT EVERY MONTH AS IF I JUST PAID THIS ACCOUNT. ACCOUNT WAS PAID IN FULL XXXX XXXX. WHEN I CALLED ASKING WHY ARE THEY STILL REPORT TO MY CREDIT REPORT. THE REPRESENTATIVE WAS YELLING AND TELLING ME NOT CALL THEY NO LONGER HAS THE ACCOUNT. THEY NO LONGER SERVICE XXXX XXXX. THEY REFUSE TO REMOVE OFF MY CREDIT REPORT. I CALLED XXXX XXXX I HAVE RECEIVED RESPONSE BACK AS TODAY, I BEENDEALING WITH FOR TWO YEARS OR LONGER. THEY ARE STILL REPORTING AS XXXX XXXX AFTER IT WAS PAID XX/XX/2020 XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 my wife received a call from her family in XXXX, XXXX  that her grandmother will likely not make it through the night and we need to fly out to say our goodbyes. We attempted to book a flight through XXXX  in the amount of {$640.00} using our debit card but our bank ( J.P. Morgan Chase ) denied the charge. A pop-up screen displayed on XXXX that our transaction was unable to be completed due to the tickets selected being sold out. So, I pulled out my XXXX  XXXX credit card and paid XXXX airline directly. We received confirmation from XXXX that we were on our way to XXXX. As we were packing, roughy 30 min after airline tickets were purchased from XXXX with the XXXX  XXXX credit card, we received an email from XXXX that our tickets were approved. So, at that point we had 4 XXXX round trip airline tickets from XXXX to XXXX for only two passenger ( two tickets for XXXX and two tickets for XXXX for the exact same flight ) We immediately called XXXX, and currently still have a pending claim with them. XXXX gave me a window of 60-100 days for a response. After speaking with XXXX, I called chase to report the fraudulent charge and they temporarily refunded the money. When speaking with chase on the the XXXX of XX/XX/2023 the claims department representative said they did deny the charges on the first XXXX attempt and flagged our account as suspicious fraudulent activity but they than approved a XXXX unauthorized attempt from XXXX. On XX/XX/2023 chase took the {$640.00} out of my account and would not let me dispute again. Claims department representative wouldnt even allow me to speak with a supervisor. 
J.P. Morgan chase could not answer why the charge was denied and then approved without receiving approval from an account holder. Their response was its an automated system and we have no control.
Consumer complaint received 2020-01-24
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. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early 20s so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2023-02-27
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. (CA)

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 XXXX XXXXXXXX, Account name : 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 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 2024-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I believe the account is invalid. AWA COLLECTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

AWA COLLECTIONS XXXX
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX  ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Consumer complaint received 2023-02-27
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. (NV)

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 : XXXXXXXX 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 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 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 or 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 data is inaccurate.
Consumer complaint received 2020-01-24
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. (FL)

I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Over the years trying to pay my credit card bill with Capital One has been a nightmare. Previously, i tried to make payments for which they said were return but my bank doesn't have a record of the ach transaction. Due to capital one stating they never got the payment i started using a debit card. I had trouble using my card on the website in XXXX and i received a late fee and i sent a payment in in XXXX due to my debit card being stolen and they said they didn't receive that. I can not remove the old card from there website and they said if i made a payment with them my debit card number would replace the old number and i could go ahead and pay the remainder of the bill. I went online the old card is still in there system and i can't remove or edit the account number. Capital one is forcing customers to keep account numbers on their profile. This account is no longer valid. I called in and spoke to XXXX who yelled and was not helpful and said the back office refused to review any calls pertaining to this matter. I would like all the fees associated with this issue to be credited back to the account so i can pay my bill off and not have an issue every month trying to pay this bill.
Consumer complaint received 2020-01-24
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. (GA)

I feel as the Equifax is intentionally trying to sabotage my credit profile. I have informed them on numerous occasions about the inaccurate information that they are reporting on my credit file and they have refused to remove this inaccurate information. I am gathering enough evidence to show Equifax malice intent. I have notified Equifax many times about their inaccurate reporting of my year of birth and they are reporting that i am 120 days late on an inaccurate reporting of child support. If I am 120 days late, then how is some of the reportings showing ok paid as agreed and then the following month it is 120 days late. This entire account is inaccurate.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (LA)

Someone is using my email address and name to open a MoneyLion account as well as a XXXX XXXX XXXX. I am unable to reach either company through their phone system to talk to anyone about cancelling these accounts. 

I receive this email from XXXX on the XXXX. 

Hi ____, Below is your Direct Deposit enrollment information. Give this information to your employer or benefits provider to enroll in ASAP Direct Deposit, and you could get your pay up to 2 days before payday or your government benefits up to 4 before benefits day.

Bank Routing Number:XXXX Direct Deposit Account Number : XXXX Bank Name : XXXX XXXX XXXX Deposit Amount : Provide this amount to your employer or benefits provider. 
Account Type : Checking Direct Deposit timing depends on deposit verification and when we get notice from your employer or benefits provider, and may vary from pay period to pay period. 

If you provided your employers email address, we also emailed them your direct deposit enrollment information. Make sure you follow up with your employer to check the progress of your enrollment request. Make sure the name and social security number on file with your employer or benefits provider matches whats on your XXXX XXXX account exactly. We will not be able to deposit your payment if we are unable to match recipients. If you need additional help setting up direct deposit, please call ( XXXX  ) -XXXX-XXXX. 


Thank you for choosing XXXX XXXX! 

I received the following two emails from MoneyLion on XX/XX/21. Neither the phone number or email address are mine. They are just using my maiden name and my email address. 

Hi, You've successfully updated the phone number on your MoneyLion account to XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

Thank you, MoneyLion MoneyLion SIGN IN YOUR ADDRESS HAS BEEN UPDATED Good news! The mailing address associated with your MoneyLion Account has been updated : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI, XXXX Dont recognize this activity? If you feel this change has been made in error, please send us a help request.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

On XX/XX/XXXX, I received my monthly statement from Amerihome Mortgage. On the statement, there was a {$16.00} Property Inspection Fee applied on XX/XX/XXXX. After calling, I was informed that this inspection fee was triggered because my account was reported 45 days past due. This is not correct. Amerihome Mortgage bought my mortgage from XXXX XXXX. Before my first payment was due, XXXX sold my new mortgage to Amerihome. My first payment was sent to XXXX per the instructions, however, they posted this payment incorrectly. This caused several problems with my credit report and false delinquencies. After 2 complaints to the CFPB concerning this issue, this issue was corrected and my credit score repaired.