davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I setup my home loan to be taken out & on XX/XX/2022 they took it out. I had forgot I had set it up. So I paid it again the next day before it was posted into my account. I called them because I went to get XXXX & my card was denied so I looked on my bank & they had took it out a 2nd time. So the lady saw where I had paid twice & gave me the option to refund the payment or put it towards XX/XX/2022 payment. I opted for the refund. They refunded. On XX/XX/XXXX they took it our again. I called & they said the system had a glitch. They refunded it. I paid my XXXX payment & I have called the company on their recorded line prior to paying the XX/XX/2022 payment approximately 15 times & everyone said it showed I had paid so they wasn't sure why. They escalated the issue. Was told a manager would call me once resolved. Never heard from anyone. They call today & it was not a manager but a representative stating I was two months behind. 
I have uploaded my documents ( bank statements ) to their website, been told by numerous employees at their firm that it was paid & now they are still saying I owe $ XXXX dollars. It has been a total nightmare. I am terrified I will loose my house due to this. I have asked numerous times to speak with managers & was denied. I have asked them to go back & listen to all of the recorded calls & was denied. I do not have $ XXXX to pay this especially for something I've already paid.
Consumer complaint received 2022-06-22
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 is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties and is INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

Comenity Bank XXXX is reporting late notations for XX/XX/20, XX/XX/20. Due to the unforseen events surrounding the pandemic my finances were really suffering. I could barely pay my necessities and fell behind on things I needed to pay. I paid immediatley as soon as I could but unfortunately ended up being late. I have been current since then and ask that Comenity Bank please make a one time goodwill adjustment on the account.
Consumer complaint received 2022-06-22
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. (NC)

I have no knowledge of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that 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 instruction.

I am a victim of fraud.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Commonwealth Health Corporation (TN)

They put a lien on my property for a debt that I do not owe it is a medical debt through Hillcrest credit agency Tennessee and Kentucky I had for medical Medicare and Medicaid at the time of services the receptionist in the doctors office build it wrong I was not informed and now there are five or six liens against my property Ive called them and they will not negotiate or Remove the debt I do not notice I had for medical services were rendered
Consumer complaint received 2022-06-22
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)

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 Account listed on the pdf attach, 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (TX)

A hard inquiry was made on my credit report that I do not recall authorizing, and to my knowledge, I did not apply for credit with your company at that time. Under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 604 ( a ), a company must have a permissible purpose and my explicit consent to access my credit report. 

I am formally requesting the following actions to be taken : Provide proof of permissible purpose under FCRA 604 for conducting this hard inquiry. This includes providing documentation such as a signed application or other verifiable proof of my explicit consent for this inquiry. 
If such documentation can not be provided, I request that this inquiry be immediately removed from my credit report, as it would otherwise be considered unauthorized under the FCRA. 
Why it matters : Hard inquiries negatively affect a consumer 's credit score. If this inquiry was made without proper authorization, it is an unjustified action that violates my rights under the FCRA. 

Timeline and Next Steps : This hard inquiry is scheduled to remain on my credit report for two years. Failure to provide documentation or remove the inquiry will leave me no choice but to escalate this matter, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for a violation of my rights under federal law. 

Please provide written confirmation of the actions taken within 30 days, as required under FCRA 611 ( a ).
Consumer complaint received 2021-09-30
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. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I have been a customer with chase for almost 10 years. I rarely have them refund fees or give them issues. Its been maybe 2 or 3 times in my close to 10 years with chase. I had a XXXX XXXX account since XXXX and never had any fees. I just recently started getting XXXX $ Fees ( 3 ). They pleaded that all they can reverse is 1 monthly service fee. This is absurd!! Ive been loyal and they wont reverse any more fees. We are in the middle of a pandemic its hard to stay afloat with these gas prices and Im currently a XXXX  XXXX. They cant help a loyal customer!? This is the worst experience Ive had. And to say the least I went to the bank and it was closed I shouldnt be punished with an extra XXXX $ because they were closed. 

1st fee : XX/XX/XXXX 2nd fee : XX/XX/XXXX 3rd fee : XX/XX/XXXX XXXX
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (CA)

I presented a coupon to GM Financial in XX/XX/2022 to fulfill the full purchase on my XXXX XXXX via certified mail. Not only did they never send the coupon back they even lost it or never redeemed it. So not only did they do that but they just kept charging me normally. Then out of the blue this week with no notification or anything they collected my vehicle and want {$2900.00} to reinstate my loan.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have been XXXX in Hawaii since XX/XX/XXXX ; my birth certificate and social security card has been missing since about XXXX. I have become aware that my identity has been jeopardized and I want to inquire about the various acts of frauds against myself, XXXX XXXX XXXX XXXX XXXX have never even recieved one stimulus or any government assistance besides food stamps since XXXX. I have never recieved any unemployment. I have personally only opened two bank accounts, XXXX through XXXX XXXX and XXXX.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Received email from debt collector on XX/XX/XXXX regarding a XXXX bill in the amount of {$200.00} and they are willing to settle for {$110.00}. The email contained the name of the creditor and DBA, account number, amount owed, and name and address of debtor. 
I am not this person, but familiar with whom he is. He passed away in XXXX of XXXX.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Consumer complaint received 2022-06-23
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. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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. (FL)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (IL)

I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, plus XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail, I keep copies and track of things. I told them to investigate everything on my credit report and to make sure every is 100 percent accurate. 

Here are my USPS tracking numbers XXXX, XXXX, XXXX XXXX, XXXX XXXX They have not reviewed any supporting documents. 
They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

According to : 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. 

They continue to ignore the law and inaccurate information nothing has been updated expected stated as verified. This is why I'm filing a complaint. Can you check into this CFPB? I heard if this is not correct i can ask for damages in small claims court. thank you for your time.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (AZ)

XXXX XXXX Applied for a credit card XX/XX/XXXX- Called as card was not able to be activated online, after 45 minutes of back and forth on hold customer service rep told me it was activated and there should be no issues XX/XX/XXXX, called again - was transferred to fraud, then back to customer service, then to fraud, back to customer service. XXXX and customer service rep told me no issues are on the card and do not know why its blocked, however was finally transferred to " account Verfications '' who asked me to fax ID and SS proof to Barclays. 

XXXX XXXX Faxed requested documents XXXX XXXX Called Barclays and after one hour with a customer service rep, she said they would send me a new card but she doesn't see what the issue is or why I can not use the cards. Account is still blocked online! Spoke to XXXX. 

I already paid the annual fee of {$95.00}.
Consumer complaint received 2022-05-20
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: AmeriCollect (SC)

In accordance with the fair credit Reporting act XXXX XXXX Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (TX)

I have had my XXXX account for years now ; XXXX XXXX XXXX XXXX XXXX is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show XXXX group ( XXXX XXXX ) {$530.00} ( XXXX, XXXX XXXX report show Southwest credit systems XXXX XXXX XXXX ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.
Consumer complaint received 2019-01-11
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB wilXXXX have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to Portfolio Recovery, XXXX, XXXX, XXXX complete documentation of your Validation investigation, Portfolio Recovery A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's
Consumer complaint received 2022-06-22
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. (TX)

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the CRAs. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or CRAs are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has been reporting this account as 120 days late for many months, while XXXX and XXXX report it as a collection/charge off. XXXX and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each CRA as well as from one month to the next.