davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

This started XX/XX/2023. I deposited money and every single time I deposited money, Its a company called XXXX that takes that money right back out like MINUTES after I deposit money. I tried to reach out to this XXXX people but the phone number was not a working number. I could never get ahold of anybody. It seems that these transactions were made out of the country. I am located in the United States. It seems very shady as if Chime has something to do with my money missing. It is over {$1000.00} worth. I need my money back now. If not, I will be filing arbitration. My money should not be going missing minutes after I deposit. Please refund my money now. Claim ID : XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (CA)

Map PersolveLLC dba Account Recovery Services LLC Website Directions Contact us XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Closes XXXX XXXX XXXX XXXX PERSOLVE LLC dba Account Recovery Services alleges that I owe XXXX XXXXXXXX and more from a debt to the now defunct credit card XXXX XXXX ( I had never even heard of the now " dead '' and bankrupt XXXX XXXX XXXX XXXX. PERSOLVE bought their debts in XXXX ( 7 years after that credit card co was dissolved by bankruptcy, and then sued me with a Complaint for Money Damages in XX/XX/XXXX. ( The court case is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, caption entitled PERSOLVE v. Karin Piet, for your information, and the file shows a great disregard for ethical litigation practices, I was NEVER served with a Summons and Complaint, and so did not know of the lawsuit until my XXXX XXXX XXXX XXXX  was levied and closed ( around the year XXXX ). In XX/XX/XXXX ( the same month that my husband died ), I was notified of a second garnishment. At this time, I had just received XXXX XXXX XXXX XXXX  from XXXX, which I can prove. On XXXX ( 14 days after my husband XXXX XXXXXXXX XXXX death, they then STOLE by garnishment nearly XXXX XXXX. They also effectively stole my one-time Social Security Survivor award of {$250.00} ( which, Social Security informed me, was taken by PERSOLVE to offset a existing balance. Needless to say, I am filing a Notice to Vacate Judgment, and secondly, a Cross-Complaint for Monetary Damages, Fraud, Unclean Hands, Trickery, Identity Theft, and Intentional Infliction of Emotional Distress. 

Also, when my Notice to Vacate Judgment in this matter was filed ( effectively ) with XXXX, my friend XXXX took it out for personal service at their address at XXXX XXXX XXXX in XXXX ; they were located in a complete " stealth '' building ( 3 floors, key-card access only, no windows ). However, we waited at the door until XXXX XXXX, lunch time, at which some other workers left the building, We effectively served them and they hated it! XXXX XXXX, CFO, Manager, and Agent for Service, was " hiding in a meeting in the other room '' As far as my Cross-Complaint goes, I am going to ask the XXXX  Sheriff 's Dept. to do the personal service, Also, Case No. XXXX is on the calendar at XXXX XXXX. on XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XXXX presiding. 

Please feel free to contact me or my attorney XXXX XXXX for any reason.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, AXXXX : # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
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. (GA)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-22
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023 Enterprise Rental issued me a {$680.00} credit on my American Express account. As of XX/XX/XXXX, it has not been credited. AmEx continues to charge me interest. They can immediately debit my account upon a charge. 11 days later, they can not even show it pending. This is by definition Unfair and Abusive.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/202XXXX XXXX XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Consumer complaint received 2023-03-31
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. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-21
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 came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items no later than 4 business days. I'm submitting my compliant today in order to get this matter taken care of asap
Consumer complaint received 2023-03-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA (AL)

Upon receiving a loan discharge of {$26000.00} letter for borrow defense fund. Again I only borrowed {$26000.00} which is still on the MOHELA account. This is fraudulent and my student loans still have not been discharged per borrower defense letter under the Sweet v. Cardona Settlement
Consumer complaint received 2022-12-21
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. (CA)

I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items no later than 4 business days. I'm submitting my compliant today in order to get this matter taken care of asap
Consumer complaint received 2023-05-29
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. (SC)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX : {$470.00}
Consumer complaint received 2023-03-31
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)

This is my fourth follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Pennymac Loan Services services my mortgage for XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( loan number : XXXX ). I set up auto-pay features with Pennymac over the phone in XX/XX/XXXX. I identified what checking account I wanted Pennymac to withdrawal from for my monthly payments. For two months, ( XXXX and XX/XX/XXXX ), XXXX attempted to make withdrawals from an incorrect account. A Pennymac representative, during a follow-up conversation once the issue was identified, admitted that I had supplied the correct banking information on the XXXX call and that Pennymac was at fault. Both conversations were recorded with transcripts. It was noted that Pennymac made no effort to use any method of contact ( email, phone, mail, etc. ) listed on my account to inform me of this problem. Moreover, I offered to supply evidence of bank statements confirming that I had sufficient funds in the correct account. Unfortunately, Pennymac refuses to remedy the situation with the credit bureaus. Pennymac has only waived the late payment fees of {$73.00}. I subsequently have an erroneous late payment penalty that is significantly affecting my credit score and is incurring severe hardship on my financial situation.
Consumer complaint received 2022-12-07
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)

FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX CARES ACT Violation credit card payment never late XXXX XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (GA)

I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account. 
And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed. 
I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX. 

I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company.

i am waiting on a good reason why my account was closed when i was verified threw fraud dept.

its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation.

i will seek attorney to sue this company for discrimination.

now i have unwanted closed accounts that will damage my credit because of agent errors.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (NC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My name is XXXX XXXX and I am reaching out today with frustration over my servicer Portfolio Servicing for my property address XXXX XXXX XXXX XXXX XXXX FL XXXX. I was modified almost 5 years ago and now my payment is going to double. I have requested the copy of my loan modification more than once and never received it. The servicer has given me the answer that they are waiting on the previous servicer Bank XXXX XXXX to provide it. I sought assistance with a HUD Housing Counselor and she looked up via the MERS and the servicer still shows Bank XXXX XXXX, I looked up as my address and social and still shows XXXX. I do not know who is responsible to provide to me the requested documents, I can not seem to get the correct information. I would like to refinance and I am currently working on that but I need the servicer to respond with the document request.
Consumer complaint received 2024-03-06
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)

Account name, XXXX XXXX XXXXXXXX XXXX Delete or remove account for inaccuracy. XXXX XXXX not listed on XXXX or Experian credit report. Experian reports original balance {$27000.00}. XXXX reports the original balance as not identified. Experian doesnt list the last payment date. XXXX doesnt list the last payment date. Without a last payment date there is no way to determine an accurate fall off date. This is a violation of inaccuracy. Delete the account. Experian reports status as closed, {$28.00}, XXXX written off. XXXX reports status as charge-off with no amount listed. This is inaccurate reporting data. Delete the account from my credit report. Experian reports balance updated XX/XX/XXXX. XXXX reports balance updated XX/XX/XXXX. Inaccurate reporting data, delete account immediately.