davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. 

I asked IC System for verification of the debt, and they said that they could not send me verification. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. 

This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. 

IC System uses aggressive tactics and refuses to provide proof of debt.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " XXXX '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX of 2024. My current balances should also only be XXXX K instead is being reported I owe XXXX XXXX in student loans. XXXX loans have been paid in full. Additionally, XXXX is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both XXXX and XXXX credit reporters with no resolution. I have opened multiple incident tickets with XXXX, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Consumer complaint received 2021-05-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I refinanced my home loan with Penny Mac, the holder of the previous mortgage. 
I settled that refi on XX/XX/XXXX. 

The gentleman who came to my home to execute the settlement told me that I would have a six day period to rescind the agreement.I signed a disclosure that he kept. The copy of the same document in my packet was blank.

I called PennyMac on XX/XX/XXXX to rescind and could not get a call back. After four attempts, a PennyMac rep told me that I missed the rescind period by one day -- that yesterday, XX/XX/XXXX - was the " distribution day. '' I'm not sure what the " distribution '' was, since no money has appeared in my bank account as of today and the balance of a XXXX loan the PennyMac refi was supposed to cover had not been paid as of 6/11 either.

I also believe PennyMac is engaging in the following unethical practices : I learned ( too late! ) that they are charging about twice the average cost for a refi. I paid $ XXXX for a $ XXXX refi. I thought this was normal until I shared it with someone and they explained how crazy that was! I know it is a " buyer beware '' situation and I'm the XXXX who went in trusting folks, but still, it seems out of range that they should be able to charge that much.

PennyMac automatically " rounded up '' my refi loan by {$2000.00} ( cash back to me ) even though I did not request this at any point. When I asked why I was getting $ XXXX back nobody could explain it beyond saying " Sometimes it just comes out like that ... '' Do I have any grounds for having this refi reversed, or am I stuck at this point? 

Thank you for any help you can provide! 

XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I try to get all three of my credit history from Equifax XXXX  XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Consumer complaint received 2021-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I already reached out to the credit bureaus and to CAPITAL ONE BANK USA N and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

On today, XX/XX/2021, I had two transactions taken out of my account, sent from cash app to an anonymous. The two transactions were for {$150.00} and an additional {$50.00}. I have already contacted my bank, I have to wait til the charges arent pending so I can start the dispute process.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to refinance. On XX/XX/2021 I went online to unfreeze my accounts with XXXX Equifax, And XXXX ( unlock ). I have spent over 4 hours changing passwords, speaking to technical support reps and technical support supervisors. Two technicians unfroze my account twice on Equifax, confirmation numbers XXXX XXXX and XXXX XXXX. XXXX was the worse. I had to log in to TrueIdentity and could not unlock my account and 3 technicians werent able to do either. So my situation was escalated up to a supervisor name XXXX who said she had unlocked my account. My loan officer was still not able to access my credit reports.
Consumer complaint received 2021-05-12
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: JPMORGAN CHASE & CO. (PA)

I contacted JPMCB, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately.
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXXXXXX DPT ED/XXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX
Consumer complaint received 2021-05-12
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. (IL)

As indicated by the attached copies of letters and mailing receipts, Experian have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, Experian have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded Experian that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised Experian on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number XXXX
Consumer complaint received 2021-04-29
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. (PA)

I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied for auto insurance, and XXXX companies requested my credit info, I was denied Insurance. Well when Transunion gave them the info they only gave them a credit report with one credit card on it. XXXX. 

I have a mortgage, a car loan, and several credit cards. On XXXX XXXX pulls my credit report from trans union they list all of the correct accounts except the XXXX XXXX account. 

So they have me with XXXX different accounts, even though I verified the SSN, name and address are the same on ALL accounts. 

They refuse to fix this and it is causing a serious issue, I've been denied insurance due to their failure. If they can't do stuff properly, they should not be in this business, the other XXXX reporting agencies, don't have this issue! 

I have copies of my credit reports, printed on the same day one provided directly from them, and one provided from XXXX XXXX- they do not match.
Consumer complaint received 2021-05-11
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. (TX)

Equifax has been reporting a few more things on my report that was not mine with attempts open other ones. I call the companies they refer me to the credit bureau I explain the issue and they keep telling me they cant only sent a notification which I know that is not true. You can't keep reporting wrong fraud information. I am asking again that you delete the following things from my report XXXX XXXX CARD, and the following inquires EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX, XXXX OF XXXX, XXXX XXXX, XXXX XXXX, XXXX. I have requested that this be fixed and deleted from my credit report.
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX  are erroneously reporting public record BK XXXX  on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Consumer complaint received 2021-05-12
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. (PA)

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, EXPERIAN and XXXX asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, EXPERIAN and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Consumer complaint received 2024-10-01
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. (CA)

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 2021-05-12
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. (PA)

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, XXXX and TRANSUNION asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, XXXX and TRANSUNION as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Consumer complaint received 2019-08-13
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: CITIBANK, N.A. (NC)

This complaint is not a duplicate tied to complaint XXXX. Dear CFBP I am filing a complaint against CBNA for failing to remove an unauthorized inquiry on my XXXX  credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. They did not provide a signed application as required under section 604 of the Fair Credit Reporting Act so an FTC identity theft report could be filed.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked. 

Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards. 

Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money.

Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved. 

XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called. 

On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled.

This is where all these problems have been occurring.

Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well. 

I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.