davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, 2022 ;
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act, 15 USC 1681I ( a ) ( i ) ( A ), Can you please reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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. (LA)

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 2023-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NC)

Hi XXXX alone wellspoken complaint about and I'll gift card company but then disappeared so I'm just going to make it short My mom bought me a {$500.00} gift card on XX/XX/XXXX ... .actually 3, One for my sister one for me and one for my step brother puddling {$1500.00} plus the XXXX few on each card. Sisters and brother-in-laws cards worked fine, when I tried to use mine it declined it so I called them and they said I had a XXXX balance someone had bought something on XXXX for {$500.00} even ( how is that possible I don't even have an XXXX account ) I open the card in mid XXXX but the transaction for XXXX was on XX/XX/XXXX so they used the cars before I even opened it. I promptly called vanilla and filed a complaint or dispute as they called it they said it would take 45 to 90 days to do in the investigation. So my hard working XXXX-year-old mom gave me this as a gift for XXXX and it is now XXXX when I still haven't been able to use it. The people on the end of them were very rude, and talked over me, and interrupted me, One representative would contradict what the last one said I probably called them 20 times this XXXX wasting over 12 or 13 hours in my life. So FINALLY I got an email saying the investigation was completely and they were sending a replacement card. So I called vanilla to ask them how long it would take the first representative said 30 days I said okay. I called the next day they told me 7 to 10 days. I called the day after that they told me 30 days. I have a XXXX XXXX this is what I'm getting to .... I told them I'm going to use {$500.00} on the card to file a lawsuit against him for XXXX XXXX because it's been very upsetting waiting on hold 45 minutes and then being treated like this. I had more information the first time I text this but I need to go to bed up for work
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (OH)

I've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.
Consumer complaint received 2019-09-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AC AutoPay LLC, Denver, CO Branch (TX)

I inquired about refinancing my auto loan with auto pay back in XXXX of XXXX and did not go through the process. 

They re-shared my information without my request, approval and consent with other creditors including XXXX on XX/XX/XXXX, resulting in unsolicited and unproved credit inquiries. 

I contacted XXXX which directed me to XXXX which directed me to auto pay. XXXX XXXX from XXXX gave them the information for XXXX XXXX at XXXX ( XXXX and XXXX ) to address the situation. I have left multiple voicemails to XXXX on XX/XX/XXXX and have sent her an email without being able to get in touch with her. 

I had previously emailed XXXX to inquire about this issue and have not received a response yet.
Consumer complaint received 2018-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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 2023-02-08
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: EQUIFAX, INC. (NC)

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.
Consumer complaint received 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2020-02-25
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. (CA)

XXXX is reporting that I was 90 days past due in XX/XX/2019. I called XXXX  several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.
Consumer complaint received 2022-11-24
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. (CA)

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # XXXX XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not liable for any debt with XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re-added negativeitems to my credit file. I have attached both accounts, which were investigated and found to be not mine.
Consumer complaint received 2020-02-25
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. (NV)

I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to equifax data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .
Consumer complaint received 2023-05-18
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. (GA)

I recently viewed my credit reports/files from Experian, XXXX, and XXXX. All 3 of the credit reporting agencies are reporting 2 collection accounts from XXXX XXXX XXXX XXXX : XXXX. XXXX XXXXXXXX acct XXXX XXXX acct # XXXX XXXX XXXX. $ XXXX acct XXXX XXXX acct # XXXX XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX Experian is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Consumer complaint received 2018-03-12
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: AMERICAN EXPRESS COMPANY (NM)

Gents,, American Express Credit Card reported to XXXX on XX/XX/2017 that I had two late payments ( see attached credit report ) I spoke to customer service regarding the issue.. The account was always paid in full on or b4 the due date..The LATE PAYMENTS WERE THE RESULT OF {$250.00} IN REWARD POINTS IN WHICH AMERICAN EXPRESS TOOK 60 DAYS TO APPLY TO MY ACCOUNT..I spoke to them and they refused to accept their negligence in apply the appropriate credit ON A TIMELY BASIS..

i CLOSED BOTH ACCOUNTS AT THAT TIME ..AFTER 20 YRS..THEY FAVOR THE MERCHANT AND NOT THE CARD HOLDER..
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I worked with a local company and got an XXXX  loan in XX/XX/2021. At closing I prepaid ( as is normal ) my insurance, taxes - escrow for the coming year. 

The local company sold, without my prior knowledge, my loan to Pennymac. 

I received from Pennymac a notice dated XX/XX/2021 stating the purpose to be to inform me that my " mortgage loan '' number XXXX, " was sold to PENNYMAC LOAN SERVICES , LLC ( Creditor ) on XX/XX/2021 It goes on to say this : " no action is required on your part '' again, after it puts these words highlighted in the caption! 

However, when I learned months after this was sold that my insurance company was gon na cancel my homeowners that I prepaid the mortgage company because they did not receive the payment. I called Pennymac, and Pennymac had the audacity to tell me that it was MY FAULT -- that I was supposed to send them the insurance company info. My first Lender says that Pennymac HAD THAT INFO, and I have read several complaints with XXXX  and review stating that Pennymac failed to pay THEIR PREPAID INSURANCE ALSO. 

I believe Pennymac must be operating a scam. 

Pennymac paid the insurance late, and the insurance company sent me a notice stating they were going to cancel -- a notice which was sent to me AFTER the deadline date in that letter! So I called Pennymac again and we had a conference call with the insurance company, and even though Pennymac paid them MONTHS LATE - THE insurance company rep said they would reinstate it. 

I DID NOT LEARN until later that Pennymac had bought it's own EXPENSIVE INSURANCE AND STARTED CHARGING ME EXORBITANT AMOUNT FOR IT. 

Because they refused to take responsibility for this and blamed me, and they would not tell me how to appeal or how to contact their superior in the company, at the time I had to settle for a payment plan where they added only part of the amount per month to make up for the EXCESSS I NOW KNOW THEY CAUSED. 

i AM NOW TRYING TO FIND OUT WHO WILL HELP WITH THIS BECAUSE I DO NOT OWE FOR PENNYMAC 'S NEGLIGENCE. aFTER READING THAT THEY HAVE DONE THIS TO OTHERS, I AM CERTAIN THIS IS A SCAM. 


My original payment was XXXX and is now XXXX - AND THAT DOESN'T EVEN INCLUDE THE FULL AMOUNT. THIS WAS ADDED TO MY MORTGAGE FOR SEVERAL MONTHS. AS SOON AS i REALIZED THEY WERE DOING THIS, i GOT MY OWN INSURANCE POLICY, BUT THEY DID THIS WITHOUT TELLING ME AND NOW EXPECT ME TO COVER THE COST. 

IF THEY ARE DOING THIS AND GETTING KICKBACKS FROM EXPENSIVE INSURANCE COMPANIES I WOULD NOT BE SURPRISED. 

I WANT THE ENTIRE AMOUNT OF PENNYMAC 'S ADDED INSURANCE REFUNDED TO ME.
Consumer complaint received 2018-10-06
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. (TX)

I have written letters in which they claim they have not received. I have requested investigation because I know these accounts are not mine but to no avail. Transunion reports 14 loans. I spoke with XXXX who claims they did not double report and that I only have 7 loans in the system and they have no clue why these accounts are there yet Transunion shows they recently reported these accounts as of XX/XX/2018. XXXX did however send me proof of what they have in the system which drastically differs from Transunion.
Consumer complaint received 2018-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I payed a guy off of XXXX for a fortnite accouunt and i sent the money and never recieved the XXXX dollars back even though i recived no product i payed through paypal to XXXX XXXX
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I 'm writing about a check that was processed thru Chase Bank on XXXX/XXXX/XXXX for XXXX. The check was signed but not authorized to be put through our checking account had an available balance of about XXXX in it. I had a few other thing that was pending that got pushed up and I received overdraft fees for those items that was pending ahead of the check. I called Chase to resolve the issue that stated it 's nothing they can do to call the merchant because it was paid. I asked Chase why would they pay this item without the funds available Chase stated they decide which items get paid or return. This check was attempted to be deposited on XXXX/XXXX/XXXX and it was returned because I only had XXXX cent available and I got a a XXXXfee now all my recurring items are being returned and I 'm getting fees. Chase will not work with me.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

In XX/XX/2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill elderly mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (IL)

I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.