davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

PennyMac failed to pay my homeowner 's insurance on time from my escrow account resulting in me have to call both PennyMac and my insurance agent to ensure that my house would be covered during the lapsed period of time. This is the basic job of an escrow account and PennyMac has shown an inability to perform that job. I requested deletion of my escrow account, however PennyMac will not provide me relief from their terrible " service ''. If my mortgage servicer can not do its basic job, then I should be able to remove the requirement for my money to be escrowed by them. The only person suffering here is me. There is no penalty to PennyMac for failure to do their job.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

This involves Truist Bank, which is overseen by the FDIC. I just filed this identical complaint about Truist at the FDIC website : On XXXX, I opened a Business Checking Account with this bank, # XXXX, in response to a bonus that it was offering : open an account with a {$1500.00} or more deposit, sign up for Online Banking For Business, and receive a {$300.00} bonus within 28 days after the deposit was received. I have a credit card with Truist and I'm already enrolled in online banking. The bank received my {$1500.00} deposit on XX/XX/16. A day or 2 after I opened the account, the bank added the checking account to my online banking for the credit card. Today was the XXXX day after the bank received my {$1500.00}. Yesterday, I had an online chat with XXXX (? I'm not sure that that was her name, but it definitely started with an XXXX ) I asked her why the bonus hadn't been posted to my account yet. She told me that she would look into it. This afternoon I received an email from Truist stating that since I didn't enroll the account in Online Banking For Business, I didn't qualify for the bonus. 
Why do I have to enroll the account in Online Banking For Business? My credit card and checking account were both ALREADY enrolled in online banking. I could ALREADY transfer funds into and out of my checking account with accounts that I have with other banks. I could ALREADY make bill payments with my account, and I could ALREADY send cash to others from my account. There is NOTHING that I can't do with the online banking that I already have that I could ONLY do if I was enrolled in Online Banking For Business!! Why do I need 2 different usernames and 2 different passwords in order to log into THE SAME ACCOUNT?? If I specifically needed Online Banking For Business for some reason then Truist should have notified me of that when I opened the account rather than adding my checking account to the online banking coverage which I already had. This is bait-and-switch FRAUD.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (OH)

I have hit financial hardship and have emailed this company multiple times for help. I am hard of hearing and they dont provide anything other than their number. I found an email and they have gone ignored. I am requesting assistance but instead my XXXX XXXX has been hit with derogatory remarks.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the XXXX XXXXXXXX credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XXXX XXXX XXXX  I was falsely XXXX on XXXXXXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX AL  and various hotels throughout my of XXXX  and XXXX In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXXXXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Nissan Motor Acceptance I have never purchased or financed a car through this company. They placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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. I have tried to contact the company several times to no avail they wont provide me any information although the charge off is reporting on my credit. I informed them I have never financed a car with Nissan nor have I purchased a car from any Nissan dealership
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (NY)

I currently own a XXXX XXXXXXXX XXXX. There is a lien attached to my title from a previous owner. The bank on the XXXX  is Synchrony Bank. I provided them with information of my ownership as well as a copy of a lein release from XXXX ( Synchrony serviced XXXX loans at the time ). They refused to even have a conversation and the bank seems as though there is no workers on the inside just call takers on the outside that dont know the inner workings. Synchrony bank failed to electronically release the lein and will not provide me with a letter stating they have no financial interest in my boat. 

It should be noted Ive called over 20 times and never spoke to a person beyond a call taker. No supervisor or anything. Ive left 4 messages with a next level and no return call..
Consumer complaint received 2023-04-13
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)

I have disputed an error on my report twice. I had ask equifax to have the lender to show proof the account is mine. I disputed this error off 2 other reports and it was removed but having an issue getting removed off of equifax. The gentleman told me that were different companies. I just dont understand how it doesnt show on other reports but this one.
Consumer complaint received 2023-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} has violated my rights.

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

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

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

The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everything was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me anxiety and a lot of stress a s I have no faith
with this system.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Re : Dispute of Collection Account by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Equifax Dispute Department, I am writing to dispute the collection account associated with my name and Social Security Number, which is currently being reported on my credit file by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA XXXX and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). By allowing the reporting of this account, Equifax is effectively facilitating the reporting fraud committed by an unlicensed agency. 

As a responsible consumer, I request that Equifax thoroughly investigate this matter and address the following concerns : 1. Licensing Violation : XXXX XXXX XXXX was not duly licensed by the IDFPR when they attempted to collect on the alleged debt. Their failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies their legal right to collect the debt and voids any associated reporting. 

2. Reporting Fraud : Considering the aforementioned licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. Consequently, I demand that Equifax immediately remove any adverse information related to this account from my credit report. 

3. Investigation and Confirmation : I request that Equifax conduct a comprehensive investigation into this matter and provide me with written confirmation of the actions taken in response to this dispute, including the removal of the collection account from my credit report. 

Please be advised that if Equifax fails to comply with my requests and continues to facilitate the reporting fraud committed by XXXX XXXX XXXX, I will not hesitate to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.
Consumer complaint received 2023-04-13
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. (TX)

In accordance with the Fair Credit Reporting act my XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on an installment loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-29
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. (MI)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-04-05
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. (DC)

Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX  XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years.

Furthermore, under 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. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX Auto Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
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)

Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. XXXX Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. Experian XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX  6. XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (MA)

Cedars Business Services of XXXX, CA is trying to collect a traffic fine imposed on me by the city of XXXX, XXXX. All of the details about this fine are incorrect however. I did fly there and rent a car but it was a decade earlier than the date of the offense. It was also a different part of the day. In a letter Cedar sent me some years ago, they included a traffic-cam photo of a car at night supposedly proving their point. I was there in the daytime. I explained all this to them in a phone call a couple years ago and the person I spoke with agreed to cancel the case. I just received another letter try to get me to pay and now the amount is greatly increased due to the time passing. 
I have no idea how the police in XXXX connected my name with something that happened when I wasnt there. Lets assume it was an honest mistake, but please help me stop Cedars from the continuing harassment.
Consumer complaint received 2023-04-13
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. (TN)

Within the last 6 months while using a debt relief program through XXXX XXXX, we came to a settlement agreement. While I upheld my end of the deal and paid them the amount we agreed upon they are still saying I owe them the remaining balance of the loan and reporting missed payments on my credit report. I have asked them to fix this and they have not responded to my emails. I have filed a dispute through experian and they told them the information they are reporting is accurate. This is dragging my credit score down and I do not know what to do. Anything you can do to help would be appreciated.
Consumer complaint received 2023-04-13
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. (NY)

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 with information that doesnt belong to me and was not done by me under fraud. A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time, XXXX XXXX