davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit 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: Affirm Holdings, Inc (MA)

On XX/XX/XXXX my phone was stolen while I was visiting XXXX XXXX, LA. My phone had banking information on it and the thief used it to open a fraudulent virtual card with Affirm in my name. I have reported the transactions as fraudulent to Affirm both by phone and email. 

Each time I have contacted Affirm to follow up they continue to say they are investigating the claim. In the meantime, I have received additional emails and text messages from them demanding I make payments and threatening to send the debt to collection if it is not paid. 

I should not be responsible for these transactions and during the investigatory period collection activities should cease.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (OH)

I filled out the bi-weekly form and sent it on the XXXX of XX/XX/XXXX. Their form states 3-5 business days to have it done. I called on XX/XX/XXXX and PHH stated they can not have biweekly setup by XX/XX/XXXX. I asked if there is a way, they can take two half payments this month and start bi-weekly on XX/XX/XXXX. they stated no. the only thing they can do is accept full payments. How is that right they can dictate what you pay on the mortgage. How are they able to push back so they can make more money off their customers.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (MA)

There are a number of hard inquiry on my credit report that I did not authorize, would like them to be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Per the FRCA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written non written verbal non verbal per 16USC6802.

ThePrivacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

A Charge off is considered a certificate of indebtedness. please remove from my credit report.

This account is reporting inaccurately across Equifax and XXXX.
Consumer complaint received 2023-09-04
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. (NY)

Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have an open case on Paypal case number : XXXX XXXX Paypal has kept my money on hold for over 5 months. 
On XX/XX/XXXX i used Paypal to receive payment for an item i sold, the total amount was {$3700.00} usd, on XX/XX/XXXX the buyer open a complain demanding a refund of {$500.00} usd, at first i denied giving the refund but after talking to the buyer on XX/XX/XXXX i did agree on giving the {$500.00} back. 
after all this i supposed to receive payment for the amount of {$3000.00} usd and till today XX/XX/XXXX of XXXX that amount is still kept on hold by Paypal. 
i have submitted proof that the item has been delivered and i have agreed to give the refund to the buyer as he requested. 
Paypal keep telling me to wait and say that the buyer 's financial institution has to fix the issue, i used paypal trusting it was a safe way to receive payment but they don't seem capable of doing nothing to help resolve this problem, I want my money for the item I have sold.
Consumer complaint received 2024-04-04
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. (FL)

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 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

JPMORGAN CHASE AUTO has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics to undermine my creditability and give lenders the wrong impression. On XX/XX/2022 Chase Auto has furnished a transaction as Late to XXXX, XXXX and XXXX, XXXX and XXXX Has deleted the false late pay. This is costing me severely limit opportunities, such as funding my business, can not buy a home. 
I would like to bring something to your attention. According to FCRA 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with JPMorgan Chase Auto company by law are excluded from my consumer report. Chase fails to correct inaccurate file data.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am the borrower on a Conventional loan that started in XXXX. The original purchase price was {$320000.00}. I have been paying PMI for more than 17 years. 

Per the consumer protection act PMI should have automatically stopped when the loan balance was 80 % of the original purchase price. 

Bank of America failed to acknowledge that surely after 10 years ( in XXXX ) the loan balance was less than 80 %. 

When I spoke to Bank of America they disagreed with me and took a stand they what they did by collecting PMI on a loan for more than 15 years was proper. 

There is no way a borrower should be paying PMI for over 15 years. 

Bank of Americas policies to collect PMI are unfair to borrowers and similar to government having people pay on student loans for 20 or more years.

This standard of not removing PMI once LTV is 80 % of the original purchase price is predatory and should be illegal. 

Bank of America sent me some documents to support their decision. However they failed to send the documents from their Escrow department dated prior to XXXX that show that mortgage was eligible for PMI removal a long time ago. This is dishonest and unfair to borrowers. 

Laws need to be changed so borrowers are not paying PMI way pass the point of that 80 % LTV point. 

Lenders should not be profiting off of collecting PMI for 10 to 20 years.
Consumer complaint received 2023-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

I did not recognize Financial Data Systems ( FDS ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( XXXX  ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by FDS on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time VISA payment of {$25.00} to XXXX, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, XXXX XXXX XXXX collection unsupported.
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

My former mortgage company, PennyMac, currently holds approximately {$17000.00} of funds that were issued from my former insurance company, XXXX, for an insurance payout after flood damage to the property on XX/XX/XXXX. 

I sold the property yesterday, XX/XX/XXXX. Since then I've received multiple emails from PennyMac congratulating me on paying off loan XXXX, PennyMac insurance tracking number XXXX, and confirming that the same loan was paid off. 

I've contacted PennyMac 's Insurance Department multiple times to confirm that the loan is satisfied and to request they issue the remaining insurance funds to me expediently. 

PennyMac can not confirm that the loan has been paid off, despite multiple confirmations to me attesting that it has been via email. They will not release the remaining insurance funds and have advised it could take up to a combined span of 31 days to release the funds. This includes 10 days to verify that the loan has been closed and a 21 day period to process and send the funds. 

It is unacceptable and unethical for PennyMac to delay this payout for an event that happened in XXXX, especially after multiple confirmations that the loan has been paid off. This delaying tactic allows PennyMac to accrue additional interest on the funds that they simply will not release. 

" Canned responses '' with PennyMac 's typical verbiage of " sorry we missed the mark '' or " we apologize that you feel this delay doesn't meet your expectations '' are not acceptable. The expedient, if not immediate, release of my funds from their impoundment at PennyMac is the only agreeable solution to the situation PennyMac has created. When released, these funds should be sent via check in a trackable, overnight mailer.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I received an email about my account closing on XX/XX/23 due to the info not matching on public record. Ive had this account for a yr and a half with no problems. They told me I would be able to access my funds until the closing date which is today XX/XX/23 however I was unable to do so. Today my other two accounts where closed while the account with XXXX was taking out my account but the transactions I have one says outstanding items close int w/o fee then theres another transaction that says loss prevention closing entry questions/ call
Consumer complaint received 2023-09-04
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. (LA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-16
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. (IN)

XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.
Consumer complaint received 2018-04-16
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: WELLS FARGO & COMPANY (CA)

On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.
Consumer complaint received 2023-11-05
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2020-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with XXXX, Transunion, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXXt Account Name : XXXX and XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX