davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I requested a COVID 19 related forbearance on my government backed VA mortgage loan in XXXX of XXXX. I was told, at the time of my request, by PennFed Credit Union, that I was not eligible for a CARES ACT forbearance, that no such program existed, that I must provide detailed documentation to prove my hardship, and multiple other violations of the law and my rights. Following a full month of excessive and completely unnecessary stress caused by PennFed 's lack of cooperation and adherence to the law which resulted in multiple arguments with PennFed employees, they finally relented and provided what was due me by law and granted my forbearance in XXXX of XXXX. However they insisted I must pay the full amount due upon the expiration of the forbearance. This was another failed attempt by PenFed to dissuade me from exercising my rights under federal law. More arguing ensued and PenFed relented and decided to adhere to the law. Fast Forward and it's now 30 days prior to XX/XX/2023 ( the end of my initial forbearance period ) I requested a 180 day extension. This option is mine per Federal Law and VA policy which states, " ... The borrower may request an initial forbearance period of up to 180-days, regardless of the borrower 's delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrower 's request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrower 's forbearance rights .... '' Penn Fed refused my extension stating " PenFed submitted your request again to VA for exception processing for the possible forbearance extension. Unfortunately, the forbearance extension request was denied ( by VA ). '' The problem here is that the VA does not approve or disapprove a forbearance. Secondly the period for an initial request ended in XX/XX/2023 but I am already in my initial forbearance and I am requesting the 180 day extension afforded me by law not an initial forbearance which is no longer available. As of today, XXXX XXXX Penn Fed still refuses to assist me in this matter.
Consumer complaint received 2016-05-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (FL)

All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


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
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (FL)

I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.
Consumer complaint received 2020-06-19
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: Kinum, Inc., Indianapolis, IN Branch (MD)

I contacted this creditor that the account was sold too. I requested proof that this was my account. I have NO clue of this acct nor ever rented any music equipment. They were short and rude without any help my name was on there and that was enough she stated. My name is very common! I will seek legal action if this company does not resolve.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I called Experience, and spoke to XXXX member I'd XXXX to have the inaccurate address removed from my report, they said it is there policy that they can not remove them if they are linked to an account that is not finalized, under federal law 15 U.S.C. 1681 governs Accuracy and Experian is reporting inaccurate information and refusing to fix flash. Remove the addresses. Because they are inaccurate information. Even though that they are linked to a credit account, the creditor has stated inaccurate information. I have disputed this as inaccurate information. And they refuse to fix the problem. They are in violation of this law. I would like them to remove the addresses that I have requested that they remove and any accounts associated with that address. Because of inaccurate information..
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-07-27
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. (GA)

Experian is reporting inaccurate and outdated information on my consumer credit report. 
I have made multiple attempts to have these accounts removed because they have not been properly validated pursuant to the Fair Credit Reporting Act. Experian has willfully and knowingly reported this inaccurate and outdated information on my credit report including someone else 's social security number. The negligence of Experian has put me at risk of identity theft and financial harm. These actions are also defamation of my character. If this final attempt fails I will pursue legal action representing myself pro-se in federal court and formally request a jury trial.
Consumer complaint received 2023-06-08
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. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX {$5700.00} 2. XXXX XXXX XXXX {$2800.00} 3. XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

Today XX/XX/2023 I was emailed by XXXX bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to experion to report. Contacted experion and informed of the situation was then directed to file a report.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (CA)

I requested a loan modification and Selene Finance kept on denying my loan. For the Nth time i submitted my loan modification application, They added the escrow which made my payment raised to {$5300.00}. In XXXX they raised it again to {$6400.00} which they claimed that they added a cushion amounting to {$1100.00}. I also applied for a refinance with another lending company. We submitted a 'Pay-off request on XX/XX/23. The pay-off according to them will take 3-5 business days. I called on XX/XX/23, XX/XX/23 and just earlier I called to follow-up. The lady XXXX of Selene Finance gave me the XXXX XXXX phone number which is XXXX. I called that number and spoke to XXXX. XXXX confirmed to me that there was no modification, or any negotiation forwarded to them. She also told me that there was no 'Pay-off ' requested at all even in the prior week or months. They clearly are not do anything to do negotiation, they lied to this Bureau and they lied to me.XXXX  's direct line is XXXX ext XXXX. You can confirm to her that there was nothing done on my case.
Consumer complaint received 2023-06-08
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Halsted Financial Services, LLC. (OH)

This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXXXXXX XXXX  ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION.
Consumer complaint received 2023-06-08
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. (LA)

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. 

The letters are stated with items and issues. 

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 2023-06-08
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: CITIBANK, N.A. (OK)

I recently had my credit report pulled for a potential mortgage loan. On my XXXX credit report, it shows that I am an authorized user on a CitiBank CBNA credit card that is open and active. This card was opened XX/XX/2012. At the time I was a XXXX, XXXX XXXX XXXX and a XXXX  of the State of California, in the XXXX XXXX XXXX. I have never authorized my information to be used with Citibank credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called CitiBank to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. CitiBank refused to help me or remove this fraud even though it shows on my credit report.
Consumer complaint received 2023-06-08
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC (MO)

I obtained a loan I qualified for through XXXX XXXX  originally through springlight financial the agreement was XXXX XXXX dollars with a orgination fee of XXXX XXXX dollars, to be repaid at 35.93 % interest over 48 months paying XXXX per month 45 days after the date of contract ( XX/XX/2022 ) All was well I made my payments on times then one day the company sent me a email saying that they had sold to a new company called XXXX XXXX XXXX I should note that the original company was actually called skopos financial LLC D/B/A springlight financial I had no clue of this until recently ) I paid no mind to the change and continued paying my monthly bill. I ended up hurting my back and being out of work for a while and I started to notice how my ammount due was not ever going down on my credit, so I investigated a little more and to my findings I believe I'm victim of some sort of securities fraud. None of the company 's have any current filings as they should you can't even find XXXX XXXX  or springlight financial on sec.gov XXXX search i take that back XXXX  XXXX does come up its clearly fraudulent the phone number it gives on there is " XXXX '' and it even says that the only filing available hadn't been reviewed yet by sec gov, for skopos financial LLC it says they are a asset backed securitizer & the abs asset class is auto loans, mind you my loan was a personal installment loan, it says the fiscal year end for skopos  is " XXXX '' clearly something is not right with any of this and something fraudulent is taking place. There is a case number on skopos financial I found where they were ordered to file timely and accurate annual reports that case number is with office of consumer credit commissioner state of Texas case # XXXX. Please investigate this promptly
Consumer complaint received 2023-06-08
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: PNC Bank N.A. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, PNC BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. PNC BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.