davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.
Consumer complaint received 2017-09-15
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. (FL)

I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Penny Mac had a website with an invalid security certificate, exposing customer social security numbers to theft, fraud, phishing, and interception every time they log in. They ignore complaints and refuse to update their website security and are recklessly exposing customers to identify theft. I want them prosecuted or sued for malfeasance and gross negligence leading to violations of consumer privacy.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, XXXX, and TransUnion ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (HI)

Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

XXXX, XXXX
Consumer complaint received 2017-09-15
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: MIDCOUNTRY FINANCIAL CORP (GA)

I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. 

PIONEER/ MID COUNTRY BANK Account number XXXX .... 
Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.
Consumer complaint received 2017-09-15
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: Experian Information Solutions Inc. (ID)

Working with Experian, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (VA)

I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I always do, but this time, I found errors that appeared out of nowhere. I even tried refreshing the browser thinking it might be a glitch, but the inquiries didnt disappear. Im extremely frustrated by this, and Im asking for the documents Ive submitted to be reviewed carefully so this issue can be permanently resolved.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (PA)

My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. 

I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. 

Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. 

This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. 

Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. 

Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's  debt, but Navy Federal blocked the request several times. 

In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX 2017 I tried to use my credit care.it was denied. When I called to find out what happened, I was told that my account was past due. After searching for my statement. I looked in my completed files and my due files. I was told I owed XXXX dollars including late fees. I refused to pay the late fees due to my not receiving a statement. I was told the late fees would be wavered and I would only have to pay XXXX. Which I did. This payment was to include my XX/XX/XXXX payment. On XX/XX/XXXX I tried to use my card and again it was denied. When I called, I was again informed that my account was past due. After sitting on the phone for nearly 2 hours I was told the payment was XXXX. Upon further questioning, I was told that the XXXX that was supposed to waive was what put my account past due. I was told that I needed to pay the wavered amount and it would come off of my principle. That my cad would be suspended until I pay the previous past due of XXXX. Why should I pay for a waivered fee? With my account in past due status, I now have to pay a second past due fee. And hurt my credit. In XX/XX/XXXX when I questioned the agent about why I should have to pay for their mistakes I was informed that this is the way it was.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention :
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid off my balance on XXXX/XXXX/17. Unbeknownst to me I was a day late. I incurred a {$30.00} late fee twice and XXXX {$2.00} minimum balance fees. I thought my bill was paid off but what was happening was a bill of fees. Very unethical standards for this XXXX account held by Commenity
Consumer complaint received 2024-10-10
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)

Dear CFPB, I am filing this complaint against Experian for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) in connection with a fraudulent bankruptcy that remains on my credit report. 

On XX/XX/year>, and again on XX/XX/year>, I requested that Experian remove a fraudulent bankruptcy from my credit report. In both responses, Experian stated that a public records vendor/company verified the accuracy of the information but failed to specify the name of the vendor. 

I subsequently contacted the XXXX XXXX  XXXX, the alleged furnisher of this information. The court confirmed in writing that they do not report public records, such as bankruptcies, to credit reporting agencies. I have attached a copy of this letter as evidence. 

Despite this, Experian has refused to remove the false bankruptcy and continues to claim the information was certified as accurate by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Their refusal to disclose the name of the public records vendor and the conflicting information provided by the bankruptcy court demonstrates a willful violation of the FCRA, specifically under 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to ensure the maximum possible accuracy of the information ) and 1681i ( failure to properly reinvestigate disputed information ).

Moreover, Experians continued reporting of false information has caused significant harm to my creditworthiness, and their failure to comply with basic FCRA requirements constitutes willful misconduct under 15 U.S.C. 1681n.

I am requesting that the CFPB take immediate action to investigate this matter and hold Experian accountable for their violations. I am also seeking the removal of the fraudulent bankruptcy from my credit report and any appropriate damages under the FCRA. 

I have attached the following documents to support my claim : XXXX. XXXX responses to my dispute. 
XXXX. The letter from the XXXX XXXX XXXX confirming they do not report bankruptcies to credit bureaus. 
XXXX. Screenshots of the disputed bankruptcy information on my credit report.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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.

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 2017-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MD)

XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.