davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

A blackwater flood damaged my home in XXXX of 2021, after 17 months of battling with XXXX insurance, a settlement was reached through the appraisal process at XXXX 's request. A check for the repair settlement was written to my mortgage company, PennyMac. 

I live and work XXXX hours away from the damaged property and have very little availability to travel to the company for a digital or physical inspection. PennyMac has issued less than half of the settlement funds to me and continues to cancel the scheduled inspections through their automated system. The inspection has been canceled three times. I am the acting XXXX for repairs and can not proceed unless PennyMac releases additional funds. Documentation of the expenses has been submitted. 

Repairs on the property can not proceed until additional funds are released. Additional funds can not be released until an inspection is conducted. Requests for an inspection have been continually cancelled by PennyMac. I can not reclaim $ XXXX of depreciation from XXXX unless repairs are completed withing the next 4.5 months. I can not reclaim depreciation until funds are released.
Consumer complaint received 2023-05-11
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. (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.

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 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

THIS IS NOT A DUPLICATE On XXXX NATIONAL CREDIT SYSTEMS INC on behalf of XXXX XXXX reported a collection in my credit report. This report is based on inaccurate information provided by the original creditor regarding apartment damages. The original creditor used a document dated XX/XX/XXXX to support a narrative of alleged damages. ( See Attached Document ) On XX/XX/XXXX my property was moved out of the apartment and myself and the property manager did a walkthrough inspection of the apartment, and no damages was mentioned or found. There was no documentation provided during the time of the walkthrough reflecting any damages. On the other hand, the original creditor generated a SECURITY DEPOSIT RETURN FORM dated XX/XX/XXXX. ( See Attached Document ) alleging damages to a cabinet. The original creditor also generated a move out letter dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Document ). My address during this time was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Lease Copy ).
Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I am writing to request validation of a debt that is appearing on my credit report. The debt in question is from an unknown collector ( ABILITY RECOVERY SERVI ), posted this XX/XX/2023 and I would like to verify its accuracy and legitimacy. 

As per my understanding of the Fair Credit Reporting Act, I have the right to request validation of any debts that appear on my credit report. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The date the debt was incurred. 
The amount of the debt. 
Any other information that will help me identify the debt in question.
Consumer complaint received 2023-05-11
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. (MS)

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are all reporting as closed and profit and loss write off with a balance. They filed profit and loss wrote off with the IRS which means I should be given a 1099 to file with my taxes. They should not be reporting the amount on my credit report thats tax fraud.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

Verify that this account belongs to my person : XXXX XXXX XXXX Account number - XXXX. Remove address from my person 's profile. I've never lived at this address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Please follow the law, see 15 U.S.C 1681c. ( a ) ( 5 ) ; 15 U.S.C. 1681s-2 ( A ) ( 1 ) ; 15 U.S.C 1681c. ( a ) ( 5 ). If you are unable to verify/validate account, delete immediately.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. I became a victim of identity theft few years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately they are a result of ID theft. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT COLLECTION REMOVAL data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Collection Removal COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Collection Removal compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-05-11
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 (GA)

IN XXXX XXXX  I was scared by national tax/ nationwide tax and I called capital one for help to get my money back. I ask for a chard back to them and though they had saved my problem but I was wrong when in XXXX they chard the money back to my account. I called them to work it out and thy said that they could do nothing and I would have to work it out with them. I now had a card that was way over so I cancel the card was willing to pay if of month to month payments. Then they hit me with XXXX in fees per month and would make it impossible to pay the card off. I called capital one to work something out with them and I spoke to XXXX. She ask how could she help me. I began to tell her why I was calling and in the middle of me speaking there was a click and no one was on the line. I though that we were cut off so I called back and spoke to XXXX and she ask how she could help me so I began to speak and once again there was a click and I was talking to myself again. They were not willing to hear me or work anything out. I have never know a credit card company to not won't to work things out to get their money back as soon as possible.
Consumer complaint received 2017-12-02
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 am writing about a Bankruptcy ref # XXXX that is reporting on my Transunion/XXXX/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. Transunion/XXXX/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.
Consumer complaint received 2023-05-11
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. (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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. 

XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.
Consumer complaint received 2023-05-11
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. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

This company continues to report inaccurate information on my credit report that has brought bad things to my life and ruin my credit. Then when i dispute it and ask for verication or validation on the account i still get kno where with it so this has to stop now.
Consumer complaint received 2023-05-11
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. (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 2017-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NY)

My mortgage company money source continue to denie my loss migration application I have provided all supporting documentation that is required. I received a call on Monday from the money source and flat out told he is denying my application because he see no point in approving it because I need to make more money. I explained to him I was told by a worker name XXXX to make partial payments of XXXX monthly I have been honoring this agreement to present date. OnXX/XX/XXXX/17 I was notified by payment was return when I called I was told there is nothing I can do and hung up on me
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Such information shall not include specific factual information on a consumers 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. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high XXXX  due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!
Consumer complaint received 2023-05-11
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. ()

Its been almost 3 months, Im calling them multiple times. I gave them all my correct information my Drivers license, XXXX XXXX card and utility bill. Whatever was need to verify my details. I called them and told my Date of Birth is wrong my credit report. Even it shows some phones number on my report that doesnt belong to me. My credit score is getting affected day by day. Number are of inquiries are being made my credit report that doesnt even belong to me. 
I am paying all my credits on time, then why I should see my credit dropping down because of someone. Im frustrated from Equifax replies, they always say next week it will be fixed but it never happens. My reference no. For the dispute that I filed is XXXX. 
RE : EQUIFAX REFERENCE NUMBER : XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.