davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After working diligently with Penny Mac, I was finally approved for a special forbearance in XX/XX/2023. They told me it would be retroactive and cover XXXX through XX/XX/2023. However, upon checking my credit report, it is not and my report shows I am behind on my loan despite their being a special forbearance. Today ( XX/XX/2023 ) I received a letter from Penny Mac stating they were removing me from my special forbearance plan for default of payment and " breach. '' When I called Penny Mac I spoke with a woman named XXXX who works in the escalation department. She told me that I was removed from my plan because I had not had a " monthly check in. '' She stated that they had tried to contact me and that my phone had been disconnected although it has not been. I even stated such and told her that if she looked at her caller ID it would show the number they have on record. When I asked her what number they called from as I was looking at my phone bill, she refused to give me that information as well. She then stated they had tried to call me on two other numbers, one of which was an old personal number, and one that was a previous employer from four years ago. I explained to her that I had not received any phone calls or emails from Penny Mac stating they were trying to contact me despite them having my current information. She told me that she would help me get back on the forbearance plan but that I would have to fill out the application yet again. I then asked her for her last name, and she told me she would not give me that information. I explained to her that I needed to know her name so that I could reference our phone call in the future or that I may need to contact her again. She again became hostile and stated she would not give me that information. When I told her that I knew she was being deceptive as I have talked to others who provided that information and began stating names of people in her department she said " fine '' and hung up on me. She did not help me through the forbearance paperwork nor did she send me a link to the forbearance paperwork in my email like she stated she would. I believe that Penny Mac is being predatory as they know I am injured and had to have major XXXX in XXXX.
Consumer complaint received 2023-10-11
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have been receiving excessive notices from portfolio recovery regarding a debt that I do not believe is mines. I have asked for them to verify the debt gas not been done. They just keep calling and sending notices and threatening to take legal action. This is in my credit report I have disputed it. It is agreeing my credit negatively.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I purchased a vehicle from XXXX XXXX back in XXXX of XXXX for the amount of XXXX. 2 years later and the amount I own on the vehicle is still at XXXX Back in XXXXXXXX XXXX XXXX sales was bought out by Westlake profile.. What happen to all the money i put into the vehicle before Westlake took over..
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (WI)

I made my first purchase with coinbase on XX/XX/2020 for {$1000.00} and it took almost 2 months before it appeared in my wallet and I had to verify my identity about six times before it ever appeared in my wallet. So it took that long to get that one settled and now I had made a second purchase of {$1000.00} in coinbase on XX/XX/2020 and that one has yet to appear in my wallet or history or anywhere in my account. I have the bank statement that shows coinbase took the money from my account. I have emailed the complaint department several times with no results. I have verified my identity with them several times and it always comes back stating it will take up to 10 days for an answer and no results. I can't believe a company that works with millions of accounts can be so sloppy in their work. Can you help me? My email address is XXXX. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2023-10-11
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: CITIBANK, N.A. (NY)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Consumer complaint received 2023-10-11
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and 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. 
I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-10-12
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-02-17
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: CL Holdings LLC (PA)

My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this
Consumer complaint received 2023-09-26
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: General Motors Financial Company, Inc. (CA)

My credit report is showing late payments to GM FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIALs customer service representative.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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: Experian Information Solutions Inc. (CT)

I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : 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 2023-04-04
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. (MI)

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account name : # XXXX, Account name : # 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 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: HOUSTONIAN MORTGAGE GROUP, INC. (IL)

StellarFi is a credit reporting platform that claims to help consumers build their credit by allowing them to link recurring bills & pay a monthly subscription in which they will report to the credit bureaus. On XX/XX/2023 I contacted StellarFi 's customer service to alert them about a fee that I incurred while utilizing their platform, due to their system not reflecting my correct information ( funds available in my bank account ). They insisted that this was my own fault for not having enough funds available which is not true. I closed the account with them seeing how it did not help me but instead actually hurt me. I recently re-opened my account with StellarFi to give the platform another chance at helping me build my credit, since the account reflects on my credit report ( once you open the account it doesn't go away ). I have encountered the same issue with them again on 2 separate occasions, 1 in which I paid my bill personally to avoid any late fees, and 2 I contacted their customer service to alert them that their system has yet again failed to reflect accurate information regarding the funds available in my bank account. They have denied any wrongdoing after I've made them aware that this has happened to me before also I have read reviews about this same problem happening with other consumers. It seems as though they have a system issue/error which reflects incorrect information which results in your bill not being able to be paid on time or at all and they refuse to help consumers resolve it. They've continued to deny any errors and have also even suggested that my account has insufficient funds or that I have a low balance and can not afford to pay my bills and am trying to place blame on the platform. I've tried working with customer service and have escalated this issue but it seems this company is not willing to correct any errors they/their system have made. They expect you to pay a monthly subscription while failing to uphold their claims of reporting your recurring bills & subscription payments to credit bureaus which should have a positive impact regarding your credit file 's payment history. I don't know what else to do at this point but file a complaint and leave reviews warning others, who just want to fix their credit, about their malpractice & negligence.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (TX)

I have contacted the company and spoke with XXXX who was clueless and asked me to ask the company which they sold the account to to furnish me with the 1099. According to 15 U.S. Code ss 1692g I asked for this debt validation. They have never contacted me back. This Company took a write off which makes me no longer responsible for the debt and they needed to provide me with a 1099 due to taking the credit for writing off the debt. No one has any idea what i was talking about and kept transferring me to other areas that couldn't assist me. They have violated my consumer rights by providing another company with my information.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (FL)

Over XXXX Florida families that have scholarships for unique abilities managed by XXXX XXXX for Students, are blocked from accessing our children 's educational funds without using a US Bank issued & controlled card. XXXX XXXX who is a US Bank Executive is new to the Advisory Board of XXXX XXXX for Students. 

Also, there are no US Bank branches in Florida so we are being instructed to make cash withdrawals from the card using ATM 's, which does not feel safe.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Account was opened in 2014 ( XX/XX/2014 ). XXXX which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.
Consumer complaint received 2023-10-12
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with XXXX about the letter I received file number XXXX. I explained that the letter they sent me is ambiguous and does not talk to the notarized letter from XXXX that I sent in. She said they have no record. Not long after I was disconnected. I waited 30 minutes to speak with someone
Consumer complaint received 2024-03-13
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. (GA)

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

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (VA)

When looking to refinance my home I noticed there are multiple negative marks on my credit from Freedom Mortgage I have reached out to them a few times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I reached out before because I was XXXX and had issues trying to get into my account from out sea which caused my payment to be late. My payments were NOT over XXXX days late and it is inaccurately listed on my credit report. Freedom Mortgage clearly CAN NOT be trusted as they were recently under investigation for unethical practices. As per 15 U.S.C 1681 section 602 A. I have a right to privacy and Section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written instructions. 15 U.S.C 168c. ( a ) ( 5 ) section states that no consumer agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by. more than XXXX years. Lastly, 15 U.S.C. 1681-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

received an empty box from this XXXX XXXX, need help!!! 
need my money back, did not get what i ordered!! 
They have no customer service.