davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (PA)

XXXX XXXX  date open XX/XX/XXXX for the amount of {$1700.00} debt not owed XXXX XXXX  amount {$770.00} date opened XX/XX/XXXX XXXX  XXXX date opened XXXXXXXXamount owed {$600.00} XXXX XXXX XXXX  {$290.00} account opened XX/XX/XXXX debts are not owed
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MFP, inc. (FL)

Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.
Consumer complaint received 2023-06-17
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (IA)

I did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my XXXX report and there is XXXX on my Experian report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

In early XXXX I noticed my credit balance on three of four accounts was unusually high. I called my cc company to dispute. So, I started borrowing on other accounts and credit cards I have to try to pay it off. Later on, I noticed another XXXX account in my online profile that was not mine or a auth user. I looked at my transactions and this person had made several payments on my account that were eventually returned to the balance of my accounts. Also, balance transfers were made by this account holder which made my account balances even higher. I then called the company and asked them to return all of the money I paid from borrowing from other accounts and credit cards.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX and I became a victim of scammers. In my name, a Capital One bank credit card was opened. This card was opened in XX/XX/2022 with a limit of {$500.00}, while {$740.00} was used on it. I have two cards, one debit card and the other security deposit bank XXXX XXXX XXXXXXXX. I no longer applied to any banks to open credit cards. 
Also, I did not receive this credit card or letters in the mail, and nothing came to the e-mail.
Consumer complaint received 2023-05-28
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: OneMain Finance Corporation (FL)

I have hard inquiries on my credit reports that I did not initiate, have any knowledge of, or have any complicity in. Not did I personally authorize any of the hard inquiries. I did or have filed disputes with all three credit bureaus regarding the unknown and or unauthorized inquiries and all three credit bureaus have denied my disputes and notified me they can do nothing and for me to contact the company or entity that made the inquiries and ask them for assistance. I did contact entities that made hard inquiries and as of present date and time, no assistance has been given and no corrective measures taken. The companies that have made the hard inquiries are : One MainFinancial conducted on XXXX, XXXX, and XXXX. XXXX XXXX conducted on XXXX and XXXX. XXXX XXXX XXXX conducted on XXXX and XXXX. XXXX conducted on XXXX. XXXX conducted on XXXX. And finally, XXXX XXXX conducted XXXX.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have my Primary home Mortgage with XXXXenfed Federal Credit Union and I have been on forbearance until XXXX and made 3 trial payments after that and my 3rd trial payment was done on XX/XX/2021. I'm told that it takes 30-45 days from the date 3rd payment was made to reissue the modification statement and to bring back the loan to current. In the mean time, I started working to refinance my loan with another lender. And my other lender said, he can not close the loan, until penfed provides the document that the loan is current. I constantly following up with Penfed and they are not giving me any estimate on how long it takes to provide the loan modification statement and they are not giving me any positive responses. And my interest rate lock expired 2 times and the rates are constantly rising and Penfed is not helping me out. It is almost 60 days since my 3rd payment made and still no response from them.
Consumer complaint received 2022-11-30
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-28
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: RentDebt Automated Collections, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account Rent debt Collection, has violated my rights.

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC1666B : A creditor may not treat a payment on a credit card, credit report or credit account under a open end consumer credit as a late for any purpose. 

I am writing in regards to the rent debt reference to inform you that Im disputing this debt. Please verify the debt as required by the Fair debt Collection Practices act. 
I am disputing this debt because I do mot owned it, I never received any letter or any advice pf this collection. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already report it, please deleted this from my creditor report because this is not mine. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Reporting act.

Finally please note that I do not wish yo received further telephone calls or letters concerning this debt that I do not owe to the client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ).
Consumer complaint received 2023-05-28
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: OneMain Finance Corporation (TX)

On XXXX XXXX I got an alert that a hard inquiry was placed on my credit report by OneMain Financial and I did not apply for anything or inquiry with that company I tried contacting the company and the automated system said it was closed and to call back Monday through Friday the inquiry was made on Saturday XXXX XXXX so how if they are closed on the weekend?
Consumer complaint received 2022-11-20
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. (GA)

My XXXX loans are being reported on Equifax and XXXX with one erroneous 90- day late payment in XXXX XXXX  ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.
Consumer complaint received 2023-06-20
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. (NY)

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 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On the XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I made a cash deposit at a chase atm for {$3700.00}. I put all {$100.00} bills and after my funds were inserted into the atm. The atm issued me a receipt stating my funds will be available next business day. When making a cash deposit funds are available immediately and my account was never credited the {$3700.00} I deposited after my funds were accepted. Immediately I called chase bank and reported the incident. I was told that I will be credited the {$3700.00}. I was never issued the temporary credit that the chase representative promised me. I made a XXXX attempt to recover my funds going inside the same branch making my complaint to a banker. I was then told my claim was denied and to reopen the claim for another investigation. I was told to wait 10 days for another investigation to be completed. It's been 30 days and I haven't got my credit, updates, or any correspondence from the claim.
Consumer complaint received 2023-05-28
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: Upgrade, Inc. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 usc 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a 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 PURPOSE.
Consumer complaint received 2023-04-12
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. (FL)

It was revealed in my credit report that a account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX XXXX  Date open : XXXX XXXX. Acct number : XXXX. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2023-07-17
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2021-01-11
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I settled a credit card debt with XXXX XXXX  in XX/XX/2022. In XXXXXXXX XXXX XXXX Portfolio Recovery illegally contact the 3 Credit Bureaus claiming that I owed XXXX XXXX. Portfolio Recovery posted a collection in the amount of {$940.00}. 
I assumed the debt was legitimate since it was posted by the 3 credit bureaus. After closely looking at the last payment of {$150.00} to Portfolio Recovery, I realized that I'd been scammed. If Portfolio Recovery does not send back my money. I will escalate this grievance to higher authorities. I have attached the money order I sent to XXXX XXXX  in XXXX XXXX XXXX which settled the credit card debt.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (NM)

I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (NY)

Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

The payment history on the accounts listed below are incorrect. These are all accounts with the US Department of Education. Accounts : # XXXX # XXXX # XXXX # XXXX They ALL are showing incorrect payment history. 
Account Number XXXX with a balance of {$6500.00} is showing as current with Charge Off history in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Aside from this it shows no late payments all on time. This is INACCURATE. 
Account Number XXXX with a balance of {$2100.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$3800.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$4900.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE.