davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please update and correct my accounts right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXXXXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following accounts was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. This needs to be addressed as soon as possible.

15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report. Deleted the fraudulent accounts as soon as possible.Ive attached inside the pdf document the accounts needed attention asap.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

my money is not being applied to my loan or escrow account. i am missing XXXX $ that was paid. False reports are being filed on my credit report. i have paid {$60000.00} in a few months and somehow my escrow is negative. 

Since before my loan was sold to Select portfolio servicing it has been a nightmare for several months i was unsure which company to pay. i was paying XXXX companies at the same time to keep my credit safe. SPS has been back dating and changing statements every month. 

they also have refused to issue my information or any documents to me as well. 

i have recently received a deficiency letter with my escrow account which I'm not sure how since i am up to date on my payments.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MS)

Was provided wrong account number by member service at chime bank and so all my unemployment went to wrong account well didnt find out until I was mailed a form to file taxes got this info to chime non of the payment were sent back or anything was told they would treat the error as a dispute and I would get credit if the investigation wasnt completed by XXXX so the tenth comes and still havent completed investigation but dnt want to follow XXXX either and give me my credit have yet set me any reply back to the situation and has given me the run around on everything fell to provide me proper documentation to file and everything I feel like they are doing what ever they want and not following banking guidelines
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been looking for a mortgage and have multiple inquiries, many within the 45 day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for 2 years until they are charged off. Please make them clean up my hard inquiries.
Consumer complaint received 2018-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have been more than 4 months, since XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018, trying to fix my credit with this company ( Transunion ), and it indicates in its reports that the results are verified or updated, but Check the update date does not change, which turns out to be never investigated in the 30 day period. I sent my last claim on XX/XX/2018 and guess what, that 16 accounts never been update date and their still claiming that this accounts are accurate and verified. In addition to other accounts that have not investigated, they hide with the word not specified, when it is assumed that all change and investigation has not been hidden or hidden from the eyes of the consumer.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CT)

I wrote a check to pay my charge card bill to XXXX XXXX for {$1900.00} and mailed it in a U XXXX postbox on XX/XX/23. On XX/XX/23 I check my online checking account and noticed the check written to XXXX XXXX was altered to a different payee ( XXXX XXXX XXXX ) and was cashed. I then went to Key Bank to report what happened. The bank XXXX at that time told me he filed a fraud report, and a pending deposit would be made in my account for the total {$1900.00}, pending a fraud investigation. Once the fraud department determined this happen with no fault of mine, the amount would be returned in full to my account. A series of events have happened since which I can explain if needed. Finally on XX/XX/23 the bank XXXX called me and said XXXX is no longer taking any responsibility, and he misunderstood the companies policy on this type of fraud, that the check was cashed at a Bank XXXX XXXX, and if they will not make good on the total of check I am on my own to try and recoup my loss. The case number filed at Key Bank XXXX XXXX department is XXXX.
Consumer complaint received 2023-02-02
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (IN)

I had transferred {$100.00} to me uncle in XXXX by the name of XXXX XXXX via WorldRemit.My uncle did not receive the money and I had requested WorldRemit to refund my money and cancel the transfer. This was not done. My uncle 's account number that I had transferred the money to is XXXX with XXXX XXXX  in XXXX.
Consumer complaint received 2022-11-07
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. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance {$2200.00} {$2200.00} {$2200.00} Credit Limit {$5100.00} {$5100.00} {$5100.00} Credit Utilization 44 % 44 % XXXX XXXX XXXX Experian Closed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX XXXX, XXXX Terms Revolving Scheduled Payment {$110.00} {$110.00} {$110.00} High Balance {$3100.00} {$3100.00} {$3100.00} Loan Type Credit Card Charge Account Credit Card Responsibility Individual Individual Account Individual XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, ORPhone ( XXXX ) XXXX
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I bought my property in XXXX and had HOA3 insurance on it with XXXX  XXXX, through XXXX XXXX. In XXXX they withdrew from Florida. 
XXXX XXXX got me XXXX  XXXX in XXXX and they withdrew my insurance policy after non payment in XX/XX/XXXX. I used to call the various reps at Penny Mac and asked why I was paying so much. They were dismissive. In XXXX I found out that Penny Mac imposed Lender Placed Insurance and had not paid XXXX so XXXX XXXXe got me new insurance coverage. 
I was speaking to a specialist called XXXX, who Penny Mac appointed after my complaint and I have left a few messages for her a few weeks ago and not heard back from her. 
XXXX had mentioned that every time I put something in writing it just complicated matters, but after not hearing back for a period now I am hoping that this can be resolved quickly. 

I am looking for the difference returned on what I should have paid and not the additional {$12000.00} Penny Mac chose the impose. 

I still live in the same house. I was insured with XXXX XXXX at the time and then when XXXX   XXXX withdrew we went to XXXX XXXX. After the Penny Mac debarcle XXXX 's found me new insurance. 
I have had HOA Insurance until XXXX when my HOA got insurance. 

When I spoke to XXXX at Penny Mac she seemed like she wanted to help me. Her research department said that they had not received an invoice from XXXX XXXX. 
I spoke to XXXX XXXX and XXXX sent me an email after speaking to me and said that their policy is to call for payment. Penny Mac did not send the money to XXXX and for whatever motive imposed their lender placed insurance on my property.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CA)

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}. 

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim. 

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX XXXX   Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter. 

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my Experian and XXXX  credit reports. 

5. Upon investigation of my Experian credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither Experian nor XXXX with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018. 

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports. 

8. Additionally, I never received competent evidence of the debt bearing my signature.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

As a former XXXX who devoted over 20 years of my life to the United States, I sustained injuries that left me XXXX. Despite my service, all I have left from selling my car is my savings, and I've been struggling to get by. I've experienced homelessness and have had to live with friends. Recently, I was diagnosed with XXXX stones and XXXX XXXX, and I'm on a strict diet because eating just about anything makes me sick. My XXXX don't function properly, and I need to XXXX every 10 minutes.

I have been hospitalized and have the paperwork to prove it. Additionally, I reached out to a certain company and was informed by them that I never had an account with them. I have chat logs proving I never withdrew money from my bank account with them ; nothing matches my personal information. I was told by Wells Fargo that they can only help me recover transactions from the past 60 days. However, when I reached out to XXXX XXXX, they were more helpful. Within 15 minutes of my call, they conducted an investigation and found no information linked to my name or phone number. They explained that it's easy for someone to create a fraudulent account because all that's needed is the debit card number ; physical presence isn't required for someone to misuse it. 

I am unable to work, and I refuse to let some criminal simply steal from me. Here are the chat transcripts that confirm I have never had dealings with them, nor have I had any XXXX XXXX accounts. deductions have been made from my account without my authorization.
Consumer complaint received 2023-02-02
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My account was closed without notice on XX/XX/2019 without notice by bank, They claimed i made a dispute that was misrepresented. I had not, they would not hear my story or discuss what happened and all communication had to be done by snail mail, which they did not respond to. 

I have resigned to the closing of my account and started using different credit cards, but to add insult to injury they are now stating that the cashback i have earned on the account is being forfeited and I will not get the {$950.00} that i have earned to date. I must have spent over XXXX with them to get that amount back in cashback rewards. I could have used any other of my credit cards to get points/miles instead.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 
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 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MO)

AARGON is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX and TransUnion have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.