davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XX/XX/2016, aplied for a {$200.00}, secure credit card, with no fees and interest for 18 months, during the use of this card they charge annual percent of {$25.00} dollars and interest over purchase, I try to fix this but it's too difficult now, I'm in the credit bureau with 2 different card number .I need to clear this debt, I don't owned this and I only use one credit card not other one
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (VA)

The exchange credit program ( Military Star Card ) https : //www.myecp.com isn't allowing its customers to make more than one payment in a billing cycle. I have attached a screenshot of their error message when an attempt is made to make more than one payment in a billing cycle. My scheduled automatic payment is on the 12th, and I tried to make a second payment this morning, the 16th. They would not let me because they don't want their customers to make payments that wouldn't be subjected to fees and interest like the minimum monthly payment is. They aren't allowing their customers to lower their balances without penalty. Would you please look into this? This feels illegal and as if it is an unfair practice.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I, XXXX XXXX, consumer, am submitting this communication to inform ENHANCED RECOVERY COMPANY XXXX. XXXXXXXX XXXX {$160.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt.

In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Consumer complaint received 2022-06-19
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: Consolidated Information Services Solutions, LLC (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

UNIVERSAL CR INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

My house received damage from Hurricane Ida. I spoke with PennyMac about my options and I was told that I could go into a disaster forbearance program and at the end I would be able to keep my interest rate and the payments would be placed at the end of the loan. During the process, I asked very specific questions about the program and the responses that I received were very vague. I recently completed the repairs on the property and spoke with PennyMac about coming off of the disaster forbearance program. I again asked specific questions about the next steps and was again met with what seemed to be intentionally vague answers. As short time later, I received a letter saying that PennyMac would be raising my interest rate to 5.60 %, despite everything else that I had been told by PennyMac representatives. I paid down my interest rate at closing to 2.25 % and now PennyMac appears to be trying to find a way to unfairly cost me more money.

If I had known that PennyMac was going to increase my interest rates so drastically, I would have never entered into the forbearance program. This seems like an intentionally deceptive practice by PennyMac. Every representative that I spoke to seemed to make every effort to be as evasive as possible as to the details of the program.
Consumer complaint received 2019-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I notified all 3 credit reporting agencies ( XXXX, XXXX  and Experian ) that the Chapter XXXX   Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX   dismissed case to be removed from all 3 credit bureaus.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (SD)

I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.
Consumer complaint received 2021-08-08
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. (CA)

XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, XXXX  and experian credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. PURSUANT 15 USC 1692A, 15 USC 1666B
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 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 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 2023-01-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-08
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. (CT)

I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Consumer complaint received 2022-06-19
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. (AR)

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 U.S.C 1681. XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are violating 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 item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2021-08-08
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. (VA)

XX/XX/2021 Dear Complaint Department, XXXX XXXX My XXXX Credit Card was deleted by XXXX because I reported to Experian that XXXX had made an error on my Credit Report causing my score to decrease by more than 5 points. I was never late and ensured my bill was paid on time. XXXX reported I owed a larger sum on my XXXX Credit Card in XX/XX/2021. The error reduced my credit score on XX/XX/2021. XXXX didnt consider a payment I made by my personal XXXX  checking account number XXXX for {$500.00} in store on XX/XX/2021. Very disappointed as this was XXXX mistake and when I called it to their attention, my credit score suffered, my open credit line of Credit decreased {$1500.00} and my overall Credit Score was lowered and no longer well above my Credit Score of XXXX. 
Please Help!! 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

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 : KY XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MA)

Since the end of XXXX I have been disputing Source Receivables MNGMN for a false debt they claim I owe with the original debtor being XXXX. I have zero knowledge of this account and have never had any business or account with this company. The account was opened with a false address that has been proven fraud and removed from my account and the collection should be removed as well as it identify theft. Attached is a copy of the identity theft report I filled. I request that immediate action be taken and this fraud collection be removed from me credit reports immediately.
Consumer complaint received 2021-10-20
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: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was in the process of shopping for a refinance company, and began working with XXXXXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ). As part of the process I provided my social security as my credit would be pulled. I authorized a single credit inquiry on and for the date XX/XX/2021. XXXX days later on XX/XX/XXXX, a XXXX  hard inquiry was completed using my information without my authorization, by XXXX. I immediately contacted XXXX XXXX and highlighted the issue and my disapproval. XXXX XXXX assured me the inquiry was an error on their end and that the issue would be rectified. For XXXX months weve gone back and forth and the matter remains unresolved. XXXX XXXX lied to me that a deletion was requested, this was in XXXX. Ive contacted the company and reached out to XXXX again by email and yet nothing has been done. XXXX XXXX has also refused to further reply to my emails despite being the person that caused the issue. I have several emails which corroborates the aforementioned.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against Equifax XXXX XXXX regarding their credit reporting practices, specifically concerning discrepancies in the information they report compared to other credit bureaus, as well as instances of unauthorized inquiries and accounts appearing on my credit report. These issues have had a detrimental impact on my credit score and financial well-being. 
I have diligently monitored my credit reports from various credit reporting agencies, including Equifax XXXX XXXX, and have noticed significant disparities in the information they report compared to other major credit bureaus. This inconsistency has resulted in an inaccurate representation of my creditworthiness and has adversely affected my ability to secure credit and financial opportunities. 

Furthermore, I have identified instances of unauthorized inquiries and accounts on my Equifax XXXX XXXX credit report. These inquiries and accounts are not only erroneous but also potentially damaging to my credit profile. I have not authorized or engaged in any financial transactions or agreements that would warrant the inclusion of these items on my credit report. 
I have taken appropriate steps to dispute these inaccuracies and discrepancies with Equifax XXXX XXXX directly, but my concerns remain unaddressed, and the issues persist. As a result, I am left with no alternative but to escalate this matter to the Consumer Financial Protection Bureau for further investigation and resolution.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

n accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-08-08
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. (MD)

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable.

The account number is truncated and unidentifiable.

The account has been charged off but, it is still reporting incorrect payment history.
Consumer complaint received 2021-08-08
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 — Investigation took more than 30 days
Company: United PanAm Financial Corp. (TN)

On XX/XX/2012 regarding complaint XXXX. United auto Credit provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.