davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (FL)

CFPB and Experian, This is a *new* claim with *new* updated information - attached to this *new* complaint are a letter from me, copy of my drivers license, proof of social security number, mailing address, letter from XXXX XXXX to remove my late pays, and todays full credit report showing the late pays from XXXX XXXX as well as a creditor I am challenging as mine. Please have this handled immediately as this is damaging my credit and I am buying a home.
Consumer complaint received 2022-08-08
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc. (OK)

I requested a Pre-Approval from Mr. Cooper. I am in the early stages of looking for a home and wanted a generic approval to know what i could start to look for. This should have been a soft pull according to their site and what is done with any Pre-approval done by other companies. Mr. Cooper did not do a soft pull they did a hard pull and are refusing to take that off my credit report. I did not agree to a hard pull, I agreed to a soft pull. the attachment shows i have tried to get this fixed and have gotten no where. I have even had calls where they have refused to acknowledge wrong doing.
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (TX)

Good day, I secured a personal loan with BBVA bank in XXXX at a local XXXX, Texas branch, I used the funds to start a small buisness. 83 % of the loan was paid off in XXXX. During COVID my business suffered and sales declined. I became ill with COVID preventing me from working at my business therefore, I was unable to make payments on my loan. 

I received a letter from PNC stating they had bought out BBVA and would be handling me account. I called PNC on several occasions, explained my situation and asked for assistance to have my payments delayed or postponed as suggested in collection letters sent via mail by PNC. 

My requests were denied by PNC, I expressed my frustration and stated I would make payments when funds were avaliable and asked for help in not having me credit score affected, due to no assistance by PNC my loan defaulted with less than a {$5000.00} balance. PNC reported me to collections which significantly lowered my credit score from a XXXX plus to a XXXX. The reporting has negatively impacted my borrowing power and first time home buying opportunities. On XX/XX/XXXX I paid off the remaining balance on my loan to PNC. I was given a letter by the branch manage stating my account was paid and closed. I would like PNC to take action and report this pay off as soon as possible to all credit reporting agencies in hopes of quickly increasing my credit score. I would also like to file a complaint due to lack of loan payment deferral during a pandemic. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (NY)

On XX/XX/22 Saturday I applied online at XXXX XXXX  for a business credit card and also a personal credit card. On the business end it was a soft pull and on the personal end it was supposed to be a soft pull also but it ended up being a hard pull. I spoke to their customer service manager this morning at XXXX and his name is XXXX and he claimed theres nothing he can do to remove the hard inquiry. Cause on XXXX XXXX website it clearly states that they need your social for just identification purposes and it does not state that it will be a hard pull on Equifax Credit Bureau. There are not being transparent and playing mind games with the consumer.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CT)

XXXX discovered a PayPal credit card had been opened using my maiden name ( which I have not used since XXXX ) and used an old address I haven't lived at for at least 20 years fraudulently. I immediately contacted PayPal and they sent me forms to complete. At that time they also updated the account to include my correct address and last name so they could get the forms to me. I returned the forms to them but continued to get collection calls. I called them again and they told me I had to file a police report and send them that info, which I did, several times. My numerous attempts to get this account off my credit reports all come back to them saying it's an accurate account. This is preventing me from getting a good rate on a mortgage. I've been working very hard to improve my credit for the past 7 years and would not have opened this account in the first place. It seems like whomever opened the account made payments on it at some point making it look like a legit account. PayPal /sync bank is unable to find any signed credit application from me further proving this was opened fraudulently! Please help!
Consumer complaint received 2022-04-18
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (SC)

It has come to my attention that Penn Credit Corporation is in violation of a cease and desist order which was delivered to them on XX/XX/2022. I have asked this company for VALIDATION of this alleged debt but they continue to send me VERIFICATION which happens to be a bill dated 3 months after the sale of the alleged property. Prior to selling the home, the new purchaser had to put the Gas services in her name to take care of all the inspections on the XXXX family dwelling knows by the address XXXX XXXX XXXX unit XXXX & XXXX. There is no such address as XXXX XXXX XXXX. I now have proof that Penn Credit Corporation is using extortionate means with forethought and malice to collect this alleged debt which is a federal offense with up to a 20 year sentence, a fine or both. Being that XXXX XXXX claim to be the individual handling this account, he is in direct compliance with violation federal law and I will be certain to attach the response to CFPB complaint # XXXX. The documents for the closing on this address will be attached to this complaint as well as the fraudulent XXXX bill which is verification and not validation of the alleged debt. Please pay close attention to the dates on such statements. I am also sending the cease and desist order again so that Penn Credit Corporation can stop violating this order by communicating with me through the credit reporting agencies. I am fully aware of my rights as a consumer and I will be forced to take legal action of Penn Credit Corporation continues to use extortion as a way of forcing me to make a payment on this ILLEGAL alleged debt. My consumer reports are a direct reflection of my reputation as a consumer and I take my reputation seriously. Please carefully read the attached documents so that we do not have to take this any further action. Also attached to this complaint is the final payment due to XXXX which they cashed in the amount of {$250.00}. I advise you to not take this any further.
Consumer complaint received 2022-04-05
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-19
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. (MO)

My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?
Consumer complaint received 2022-08-21
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. (TX)

This is pertaining to XXXX XXXX, XXXX, a collection company, that is reporting a {$95.00} balance on my Equifax credit report. I have contacted Equifax and the creditor asking them to provide evidence of this debt, however they have not responded. It has been months since I asked them to provide this information. They have not. 

Please assist and have Equifax remove this from my credit report since they have not provided proof of the debt. 

I am attaching a letter I sent to Equifax on XX/XX/2022 asking them to verify this debt and provide documentation. They have not responded. 

Please have them remove this item from my credit report. 

Thank you!
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is a FRAUD And needs to be prosecuted!!!!!! 

I will follow up everyday until upon prosecution of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX you crooks will be held accountable!!! Facts!!!! 

State Attorney General is currently on notice of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX deceptive business practices !!!!
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

I have been with Navy Federal since XXXX since that time they have charged me for overdraft fees even before I add OOPs, charged would go through for XXXX, random subscriptions. Since then they have closed my account and I started a new one and have been charged multiple overdraft fees.
Consumer complaint received 2023-05-21
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. (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 : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 
# XXXX, Account name : 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 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 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

I have had an auto loan with Exeter Finance since XXXX and the amount of the loan was {$37000.00}. I have made continuing payments since that time of {$810.00} on a monthly basis and not one time have I been delinquent. In XXXX, 2022 in consultation with the company I was told for the first time that I need to pay a " balloon '' payment of {$3100.00} to pay off the balance of the loan. I asked the customer service representative if I can pay the amount that is still currently listed on the website for my loan of {$810.00} till the balance is paid in full. The representative said that would be fine and it would satisfy all the requirements of my loan. I made that payment however yet Exeter informed all the credit agencies that my account was now delinquent in XXXX this for the first time ever for this account. I have since spoken with Exeter and they will not erase that red mark on my credit reports. I have also told them, that with the remaining balance of {$2300.00}, I am willing to pay that in full. I also would have paid the full {$3100.00} on the loan if I knew that it would create this issue. The agent from Exeter did not have any issue for me to make this monthly payment to satisfy the loan requirements. I ask your agency to have Exeter remove that delinquency from the 3 credit reports as it should not be there in the first place as discussed.
Consumer complaint received 2023-05-24
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. (TN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  3 Missed late payments Balance updated {$13000.00} XX/XX/2023, XXXXXXXX XXXX 1 Missed late payment {$670.00} Balance updated XX/XX/2023 XXXX, XXXX 1 Missed late payment. {$580.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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. 



15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 



According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.