davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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 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 2020-12-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Since XX/XX/XXXX I tried twice! and gave Penny Mac mortgage services XXXX, a chance to submit a refinance which is my current home mortgage. They insured me it was an easy process, which it was far from an easy process. I had no alternative but to seek out a local loan company in XX/XX/XXXX to refinance my current home loan which was been a pleasant experience by far. 

The problem arose when it came to signing the original loan documents to complete the refinancing process, the loan documents never arrived to the mobile notary for signatures. Penny Macs explanation was it was an internal error? I had to keep calling the loan officer for updates, Mrs XXXX XXXX kept indicating she was stressed and over worked? 

The original loan officer was XXXX XXXX, then I talked to her supervisor XXXX XXXX, he assured me they would follow through to succeed with the process, Talking to Mr. XXXX was no help either. 

They even tried to assign the refinance to a second loan officer XXXX XXXX after the second failed attempt. 

Additionally, on XX/XX/XXXX I discovered that my property taxes of {$1600.00} for XX/XX/XXXX had not been paid, when I had the money in my escrow account. I had to call Penny Mac & spent an hour trying to investigate what happened? The rep XXXX XXXX @ ext XXXX assured me the matter would be rectified & the penalty imposed by the County of XXXX, Ca for late payment of {$160.00} will be paid by XXXX XXXX. 

In my 30+ years of being a homeowner & being a licensed California XXXX myself, I have never encountered a mortgage business so incompetent, I have refinanced homes in the past with no problems and helped a number of clients go through the refinancing process. I understand fully how the process works. It was stressful & I was patient with this company & they failed miserably. 

Currently I am on the cusp of closing my refinance XXXX XXXX, XXXX ) with another local lender. My complaint is merely to warn consumers about this company and Im amazed they are still in business. Hopefully with this complaint consumers will be made aware of the business practices of Penny Mac so they can avoid the stress that I had to endure.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 15 U.S.C 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 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Someone fraudulently opens a credit card in my name with capital one for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-03-16
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2021-05-21
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: Experian Information Solutions Inc. (NY)

I sent a complaint to Experian and was told that they verified fraudulent activity. I would like to know How is fraudulent information verified, how and what date and what is the process. I had nothing to do with the information listed on the FTC reports.
Consumer complaint received 2023-04-23
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. (FL)

In accordance with the Fair Credit Report Act 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 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (SD)

In XXXX of XXXX  I was notified by my bank that there was a debit going to Uplift Inc. which has overdrafted my account and was I aware of it. I was provided with a telephone number for the charge. I contacted the number provided and was entered into an automated call system of which I did not have the information required to be verified and continue to a representative. I tried 11 times in the next two days and finally reached a representative who I explained the situation to and requested to report the fraud. I was advised that the account had been noted and it would take 90 days to complete the process. Uplift Inc. charged my bank account another two months following before the bank closed the account due to the fraudulent charges and overdraft fees. Uplift has continued to illegally report this account on my XXXX Credit Report for the past year.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) This account was never late. Last payment date is also incorrect as it shows XXXX different dates. XXXX shows XX/XX/2022. Equifax shows XX/XX/2022. XXXX shows XX/XX/2022. How is this possible. 
XXXX XXXX Account XXXX : XXXX Please update to paid us agreed if unable to provide proof of this payment being late. 

I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) If this was investigated how come you are still reporting this a Charge off with past due balance. This is total incorrect. A collection by default is already a closed account. 
XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX previously requested to have the account investigated and it seems nothing has been done. As per FCRA law account must be deleted if unverified XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Resource sent me a bill in the mail telling me out I owed them {$120.00}. I have no knowledge of this account.

I sent Credence Resource Management documents requesting validation of debt pertaining to this account. They received the documents I sent onXX/XX/2021 at XXXX XXXX.

Credence Resource Management sent me back statements from another company. They did not send me what I asked for.

I have attached the documents that I sent to Credence Resource and the certified receipt.
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

At least 6 months ago I came to title max to get a title loan for an emergency. There was a fill in person by the name of XXXX  who does not work for the company anymore due to being fired from my understanding, that did my contract. This is my first loan Ive ever had and probably will be the last. She didnt explain anything to me about how they do business, she never disclosed my annual percentage rate which is around 150 % and they never disclosed to me that out of the nearly {$500.00} that Im supposed to pay them every month, only about {$60.00} of it goes towards my actual account and {$440.00} of it goes to fees. I was never told anything about my contract, I wasnt even aware that I wasnt actually even paying this loan off hardly at all until 4 months into it and I still owed almost the same amount of money that I had taken out. I received a loan of roughly {$2000.00} for my 2010 XXXX XXXX title and I still owe roughly {$1700.00} even though I have paid them almost {$3000.00} to date. This loan is breaking me, if I was disclosed of title maxs practices during the time I took out my loan I would have never done it. Please help!
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

XX/XX/2021, when I tried to transfer my balance and payment, I found I can't access my money. XXXX EUR and XXXX USD. 

So I contacted Paypal support via XXXX. I told them the problem. 

First time, they asked me to create a second PayPal account in the country I am currently living in, once the secondary account is created the funds in the U.S balanced can be sent to the new second account. But it didn't work. 

Second time, they asked me try with a different mode of payment or try after XXXX hours. But it didn't work, too. 

Third time, they asked me to verify my XXXX account. But it didn't work, too. 

Forth time, they asked me to wait it get normal. But it didn't work, too. 

Fifth time, they asked me to call them, but it's not save for me. 

Sixth time, I proved my money is legal few days ago, but after I provide my ID there is no answer anymore. 

I felt that their process was very confusing, I felt discriminatory, and I felt that they didn't want me to take my legitimate funds. It put a huge burden on my life and credit during the hard times.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-10-25
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian offers no easy means to contact them via chat or by phone resulting in delayed response or no action being taken. The mail in option reference items that are non existence, asking for a report number or account number to process. When attempting to access via online or by phone, t stated my Birth Date was incorrect, so I tried calling and got into a loop of wanting to get to the fraud department but only allows to add a fraud alert, no way to address an existing one or get it removed. How can I get my credit removed from Experian having any access to it? I want to file a class action law suit for pretty much requiring someone to purchase their services to even get access to their own information that may or may not be correct. That in and of itself is illegal practices.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Im having a problem with the scoring of my credit my credit scores goes down when my balances is being decreased its happening frequently everytime I pay down a credit card or my car note my credit score goes down by XXXX points which I think its observed This is a copy of my XXXX report and the reason why it went down All cause I made a payment toward my car note We found 1 change to your XXXX here XXXX Credit score XXXX points since XX/XX/ Balance Decreased XXXX XXXX XXXX account balance decreased Between XX/XX/ and XXXX XXXX XXXX  your XXXX XXXX XXXX XXXX account balance decreased by {$600.00} from {$5300.00} to {$4700.00}. 
Good work! It looks like you paid down your balance. Lowering your total debt can have a positive impact on your score. 
View
Consumer complaint received 2016-12-06
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (NY)

This company calls me at my job every month to remind me to pay my mortgage. I have never been late. This company just bought my mortgage recently from XXXX. I consider this harassment especially if the payment is not late and calling me at my place of work. I do not need a reminder to pay my debts.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (FL)

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.