davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

1. Wire was sent for {$610.00} to American Express for my account ending in XXXX 2. American Express received payment in time and the payment notes included the account to apply payment to 3. American Express was negligent and simply returned the wire on XX/XX/XXXX stating -- no payment instructions... despite ME indicating card account to apply payment 4. American Express is negligent in their operations and handling of this -- they caused the late payment ( NOT ME ). I sent payment in full via wire, marked what account to apply payment to and then American Express waited 2 weeks and simply returned the wire stating didnt note where to apply -- FALSE. They never contacted me ( 20 year client ) if questions, This is negligent. 

I AM NOT LATE PER THE FACTS AND DATA I HAVE. The letter American Express sent in response to the original compliant is corrupt and negligent since they received the payment and marked in the notes what account to apply to. They need to reverse the late charge and ding because it's THEIR FAULT OF HOW THEY HANDLED the same way I have wired all my payments before which all have been applied just fine. Why the random change? 

CFPB DO YOUR JOB! Stand up to wrongdoing on large corporations who do not handle their customers accurately and on time payments properly and then just pin blame on us,
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I always ensure my payments are made on time, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$3900.00} XXXX XXXX Balance Owed : {$91.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XX/XX/XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (NH)

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX XXXX XXXXXXXX account. It between the XXXX  of emails I did notice one from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX XXXX  XXXX.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

On XX/XX/XXXX, I sent an email to PennyMac after speaking on the phone with one of their representatives that I would be able to recast my hone loan with them. I received a written response from PennyMac once again advising the steps I needed to take to recast my loan. 
On XX/XX/2023 I wired {$170000.00} to PennyMac for the recast. The money was received the same day by PennyMac and they updated my online account to reflect " Principal Recast/Principal Reduction. '' I thought we were finished with the transaction and the recast was complete. 
On XX/XX/2023, I received an email through PennyMac 's secure Message Center that said that my loan was not eligible for Recast because my transfer " must align with the investor provisions. '' Not knowing what that was, I called PennyMac 's Customer Service line asking why they told me I could recast my loan both over the phone and in writing and then once they had my money, they told me I couldn't. '' No one could give me a straight answer over the phone but advised that they would escalate the return of my money. I told them I wanted my funds wired back to me immediately, as they were making money off of my funds by holding onto them. The phone agent agreed. I hung up with them but have still not received the wire of my funds back. I have called and requested to speak with supervisors and am constantly denied access to speak with one without waiting on the line for hours. PennyMac is illegally holding onto my life 's savings and are doing nothing to expedite their return to me after providing me with false information regarding my recast.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX was supposed to fix my balance, the manager never did. Not only an eviction notice was placed on my door after I told them I was moving out. Bu they wrongfully charged me and sent me to collection. XXXX XXXX XXXX sold/shared my personal information to third party without my consent. who then reported to my credit bureaus XXXX XXXX, the landlord called and cancelled my contract, they put a charge off on my credit reports. 
XXXX XXXX sold/shared my personal information to a third party without my consent. Third party reported the collection to my credit reports Credit Bureaus have verified my address for the third parties
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including name, address, contact number, confidentiality, accuracy, etc. I the Original Creditor confirm that all negative accounts showing within my consumer report are inaccurate and need to be removed immediately as I have never missed a payment and I do not owe any corporation anything.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries Dear Equifax/XXXX XXXX XXXX , I am writing to inform you that I am a victim of identity theft. My personal information has been compromised, and as a result, unauthorized individuals have fraudulently applied for credit cards, auto loans, and other forms of credit in my name. Due to this situation, there are several fraudulent inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, all fraudulent items must be removed from my credit report. I am requesting that you investigate and remove the following fraudulent inquiries from my credit
report : Fraudulent Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX For your reference, I have included copies of my police report, my driver 's license, and proof of address. Please ensure that all fraudulent inquiries are promptly investigated and removed from my credit report.

Additionally, please provide me with a confirmation letter once these items have been removed and send me a revised copy of my credit report reflecting these changes.

If you need any further information or documentation, please contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter.

Sincerely XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (MO)

16 months on time never late payments to XXXX they took away and saying it needs more time to add back according to there OWN WEBSITE clearly this is a scam and fraud to keep my score low to push loans and credit cards
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (DE)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (AZ)

I have filed XXXX disputes in XXXX and XX/XX/year> regarding XXXX XXXX inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX XXXX was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX XXXX was discharged but they were never involved. They opted to close the account.
Consumer complaint received 2023-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

Debt Collector attempting to collect debt not owed to the company. I have attempted to contact the company via phone, letter and still refuse to remove debt. This company is stating I owe {$3400.00}. This account was fraudulently opened under my name.
Consumer complaint received 2023-03-16
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (NC)

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : 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
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$910.00} XXXX XXXXXXXX XXXX Balance : {$27.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$27.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}