davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (VA)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

I spoke to Penny Mac loan services today regarding the CARES act. We are currently in forbearace due a covid19 hardship. We would like to place our forbearace amount into a balloon payment at the end of our loan as stated in the CARES act. Penny Mac is  denying us this option.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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. (FL)

It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.
Consumer complaint received 2023-10-07
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. (GA)

In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX pymt mailed by bank deliver date XX/XX/XXXX Posted by company XX/XX/XXXX {$30.00}. late fee charged XX/XX/XXXX {$30.00} past due {$30.00} late fee charged XX/XX/XXXX Called {$30.00} refunded XX/XX/XXXX {$30.00} late fee charged called again could not give another credit XX/XX/XXXX Called again. Agent took paymt of {$230.00}, stated pymt would not go thru. She was very nice and did state she would credit {$30.00}. Took pymt of {$200.00}. Immediately check my bank account and both pymts were taken out of my account. Immediately called Comenity back. Was told they could not find the {$230.00} pymt, only {$200.00}. I got no where. 
Disputed with bank the {$230.00} which was returned to my account. Suddenly, Comenity found {$230.00}. Charged me {$30.00} for returned check fee. 
XX/XX/XXXX paid bank delivered XX/XX/XXXX which was due XX/XX/XXXX XX/XX/XXXX charging me {$34.00} late fee. 
I have paid this bill before the due date everytime. Seems as tho they hold on to payment until after due date so they can charge you.
Consumer complaint received 2023-07-24
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)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-01
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: GOLDMAN SACHS BANK USA (MI)

This is not my account. I have no knowledge of this account. I am a victim of identity theft. This is just one of a few accounts that were opened illegally. I need this removed from my credit report as quickly as possible. Yes I realize some of the information is the same or very close to the same as my real information. That's why it's called identity theft. Tell me what I need to do to have the account removed from my credit report it as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.
Consumer complaint received 2024-03-13
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. (MI)

XXXX, Experian, XXXX continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Consumer complaint received 2023-10-06
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. (TX)

THIS HAS BEEN AN ONGOING ISSUE. THE 2 ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE 2 DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS 2 COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES 15 DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. 15 DAYS ONLY!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2018-05-05
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. (AL)

I have a acct that has been on my credit FILE SINCE XXXX ... i have continuously disputed this item ... but the credit reporting agencies refuse to remove it from my credit file.i submitted an old credit report from XXXX showing how long this acct has been on my credit report.the acct in reference is XXXX
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN 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 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My mortgage have been transferred from chase to bayviewloan LLC last XX/XX/XXXX. My monthly payment with XXXX was {$420.00}, in XX/XX/XXXX i paid bayview {$420.00}, by XX/XX/XXXX bayview decided to increase the monthly payment to {$480.00}. For XX/XX/XXXX, they sent a statement {$500.00}. I call them no one seemed to have an answer on why the mortgage keeps charging. My original loan was modified on XX/XX/XXXX at 3 % for the first 5 years, 4 % XX/XX/XXXX and 4.5 % that will start XX/XX/XXXX and the woll will remain the same until the loan is paid off. The mortgage was recast last XX/XX/XXXX, XXXX canceled the pmi. 
Even though XXXX forwarded all the doctor to the new lender. They decided to violate the contract. 

I need help please.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I spoke with XXXX also at XXXX and she refused to remove these hard inquiries from my report, she told me whether I authorized them or not they will be off my report in 2 years! 

TransUnion is does not allow me to speak live they connect me to a chat and then the agents keeps stating that you can dispute these bc they are statement of facts and ask if I would like their mailing address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from XXXX to XXXX and Capital One Bank. In XX/XX/2021 after an assault and battery that occurred on me, when I was hospitalized with severe injuries to my right shoulder neck and back. 
Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my capital one account my XXXX account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I don't think I worked for XXXX years. I lost everything it's in the hands of Congress because I'm trying to change my Social Security number. It's that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again
Consumer complaint received 2023-04-18
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. (MD)

I sent a letter to XXXX, XXXX and Transunion to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXXXXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Consumer complaint received 2020-03-26
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: ONEMAIN FINANCE CORPORATION (PA)

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Dates : XX/XX/22 Amount : {$5000.00} Actions that were taken by you or the company : Sent me a letter stating they would open a claim but months later nothing has been accomplished.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.
Consumer complaint received 2023-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (TX)

My card and id were stolen ; I was told to go to XXXX ( netspend XXXX prepaid mastercard ) and get another card which would be then added as an associated card. I then attempted to activate it as an associated cared on the account to act as a temp card ( they still had my temp card from over a year ago active on the account ande never deactivated once the permanent card arrived ). They closed both the stolen card and the prior associated card then went to create a " NEW '' account which then had verification issues. They then wanted me to send in information which has already been provided to them prior when there was unauthorzed carges on the account they deactivate. Then they wanted to charge me XXXX for an expidited replacement for the deactivated card, when I blew up and started asking for supervisor they then waived the fee ; however this still didn't provide me access to my funds as I am a diabetic and needed the funds for medications mainly insulin, I threatened that if I got XXXX  as a result would sue to which they transferred the mon XXXX to a XXXX wire transferee which sent me bounding around to XXXX locations as they wanted me to try different XXXX vendors ; which all failed due to my ID being stolen so I couldn't withdraw my funds. I then going into XXXX on the phone with them as hold times often exceeded XXXX minutes, the agent then informed me they would just cancel the moneygram and that I could get a friend to signup and then we could just transfer the funds to his account. I went back to per their instructions XXXX and attempted to buy another card which shows curently only XXXX to activate ; however they required a min deposit of {$10.00} which because they were holding my lawful funds XXXX I could not get access to mind you that they told me all I had to do was get the card nothing about a new deposit etc. The also didn't tell me about having a valid up to date id for the moneygram as since mine was stolen well that was impossible as could not get new ID because again they are holding my funds XXXX. When we got back from XXXX my friend/remate then activated the new card it said nothing about any restrictions on the card. I called XXXX back ; and both roommate and I were informed that they could not transfer the funds because there was a restriction on the acct that he would now have to wait for the permanent card before he could get transfers into his account. I started all of this at XXXX XXXX and at the time this complaint was filed it is XXXX : XXXX XXXX and still not resolved - this should have been a simple associated card to an account not opening up a whole new acct So I have paid for multiple " new accounts '' to be created and still do not have my money.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}