davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (OH)

The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2022-11-26
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit BUreaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00}
Consumer complaint received 2022-12-09
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. (MD)

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that 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.

15 USC 1681 Section 602 A states that I have the right to privacy.

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

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

PennyMac has imposed Off/On 5 times Force Place Insurance over the last 12 months, this began with PennyMac falsely referencing a supposedly expired hazard insurance policy. Although Borrower repeatedly requested that expired insurance policy was never forwarded, yet PennyMac felt empowered to place force place insurance multiple times, using a continual " On/Off '' tactic. 

Since then and over the last 4 months, Borrower has been informing and requesting that PennyMac act in accordance with Relevant Government Regulations that govern Force Place Insurance Requirement for Lenders. They continually and completely ignore this. 

Furthermore, PennyMac has corroborated this insurance coverage conflict originated by deceitful action by the Loan Originator Company ( XXXX XXXX ) having falsely placed a Counterfeit Insurance Policy. This misled PennyMac to believe that the desired, but not required ( per loan insurance contract ), was to be made available on this Loan. PennyMac, was requested by the Borrower to address source of this deceit with the responsible party, but PennyMac has chosen, to instead ignore and protect XXXX XXXX 's malfeasance and to instead punish the Borrower instead of the responsible party
Consumer complaint received 2022-12-09
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. (OK)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2024-03-06
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. (LA)

XXXX Experian and XXXX have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (AL)

On XX/XX/2022, Discover Card contacted my stepmother on her mobile phone number regarding my debt even though she is not authorized to have access to my account. Discover Card additionally shared private information regarding my account to my stepmother.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX  XXXX
Consumer complaint received 2023-03-08
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. (PA)

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 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 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called many times to Bank of America and sent many times whatever documents they asked. I told them I did not authorize or sign any documents or receipts. Totally fraud transaction. Please help us to sort out these issue. 

Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX  XXXX XXXX XXXX XXXX  Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX  Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX  Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount Total : XXXX
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (FL)

XXXX some odd dollars was taken from my account and they denied my dispute my veteran benefits were compromised and they didn't want to do a thing about it I've had 5 funerals since the incident so I have had time to report until now. I'm infuriated the I vestigayion results they said my statements were inconsistent I filed a police report before I even called them
Consumer complaint received 2023-02-28
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. (TX)

Certified letters were sent to XXXX, XXXX and TransUnion requesting a method of verification of items being reported on my credit report the first of XXXX. The items were received by XX/XX/11. I have yet to receive the method of verification and due to them not complying with the FCRA, the items must be deleted based on the credit bureau 's lack of compliance with the method of verification. If these items are not deleted, I will be pursuing legal action. 
The accounts in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Below are the tracking numbers of the certified letters sent out. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the letter sent out to the bureau 's. One was sent in regards to each account needing verification.
Consumer complaint received 2023-01-06
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. (MD)

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 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NC)

I have an Aspire credit card. Small credit limit but I ve used the card during a time my wife has faced serious health issues. I was late twice by a few hours as they have this XXXX EST CUTOFF on payment dates and had a large payment due. Aspire promised a {$75.00} credit if I made a payment of XXXX by XXXX. I made that large payment on XXXX and no credit given. 5 conversations now where I ve been promised the credit within 14 days from date of XXXX. I still have not received credit and do not believe I will receive. Thats wrong.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (TX)

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX  Account status Closed Age of Account 2 years 3 months 22 days Late payments XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

There is a XXXX  XXXX bankruptcy reporting on my credit bureau report that does not belong to me. I have made several attempts to reach out to the credit bureaus so they can perform a thorough investigation to remove this error. The credit bureaus have verified the bankruptcy every single time without providing me with any documentation that ties me directly to this erroneous blemish on my report. I contacted the courthouse because that is where the public record should be stored. They responded that they do not share information with the credit bureaus. I am confused as to how the credit bureaus can verify an item without have complete access. I feel that my rights are being violated. Furthermore, this error in reporting is hurting me financially. I am writing your organization today hoping that you can help me in getting the credit bureaus to perform a thorough investigation so that this negative bankruptcy account can be removed for my file.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX from my Coinbase account to fraudulent investment firm ( s ). 

My coinbase wallet allowed full control to a third party app, I tried contacting Coinbase through phone and creating tickets and I never got any response from them.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (TX)

I was sold a vehicle with a warranty in XX/XX/2022. I contacted the warranty company to request cancelation of the warranty. They said the dealer would have to request it. I contacted the dealer and was given several different excuses on why they couldn't cancel the warranty mostly referring to not sure where the form was or wasn't familiar with the process or the person wasn't in that knew how. I have since paid off the loan and I went to the dealer again to request the cancelation and they got on the phone with the lender and lender stated they can't cancel it now that the loan has been paid off.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Dispute filed back in XXXX regarding a purchase that was returned to the merchant because the items were not as described. Poor quality, unwearable. When the dispute was opened, I provided tracking number and proof that the items were returned to the merchant and a store credit was issued. I did not intend to purchase anything again from the merchant and requested a refund. The merchant stopped responding and refused to issue a refund to my cc for items that were returned. So I opened a dispute with Chase credit card. Were are now 60 days into the dispute and Chase is still investigating the case. I was told so many different things over these 2 months, first they were saying that the merchant has 15 days to respond, then their account executive said it was 30 days. Today I received a message that I have to call them as they need more info. The claim representative wasnt sure what they needed because she could see the submitted documentation. She was unclear of what was going on with the case and why claims were reaching out. I said great, can we close this case now so I can get my money back? 
This representative responded that the merchant actually has not 15 days ( the initial timeline they gave me, and not 30 days ( timeline given by their Account Executive ) but 2 BILLING CYCLES. So which one is it? 
These people have no idea what they are doing, their staff is clearly untrained and incompetent.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AL)

They change the remark back to PayPal close my account and they didnt. I closed the account on the day of my last payment. Check recording on the last day i paid. I was not 60 days late paying. One of paypal representatives told me i was on payment assistance and told me to give her {$20.00} for XXXX. I found out later i was never on payment assistance which put the account late. PayPal refuse to give covid 19 assistance. My credit history was good with PayPal until XXXX. They refuse to give me assistance. They fix my PayPal on my credit the change it back to the old reporting. On my my PayPal credit account its saids i closed the account and Im not 60 days past due nor collection. Please talk to the account manager at paypal not customer service s to get the right credit report.
Consumer complaint received 2024-05-03
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: FISERV INC. (IL)

When wiil they release my money?

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX REF : CFPB XXXX Dear XXXX XXXX, We are responding to your CFPB complaint regarding funds held on your merchant processing account, # XXXX, doing business as XXXX XXXX On XX/XX/XXXX, we received a batch for {$9300.00}. Due to this amount being higher than normally processed on your merchant account it was held for security review. To mitigate risk exposure, a decision was made to hold the funds for at least XXXX  days. The funds can be reviewed for release on XX/XX/XXXX. Please contact us at that time. While we believe this resolves your concerns, please do not hesitate to contact us at XXXX if you need anything further. Thank you, Fiserv
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

XXXX submitted my account to collections with contacting me by phone, by mail or digitally. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. The only way I found out about this account was via XXXX.
Consumer complaint received 2022-12-10
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: CREDIT ACCEPTANCE CORPORATION (MO)

In accordance with the fair credit Reporting Act Credit Acceptance Corporation Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

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 purpose
Consumer complaint received 2022-12-10
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. (VA)

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX XXXX # XXXX XXXX  XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.