davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (TX)

I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & XXXX as well as Transunion are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted
Consumer complaint received 2022-09-17
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2024-01-30
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. (OH)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S. Inaccurate inquires that need to be removed XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XXXXXX/XX/XXXX equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

NOTE : There's not really any major dispute in events that I'm aware of, so for documents, I'll attach Pennymac 's own employee notes. The documents, fax receipts, or anything else I will produce upon request. 

I am writing to file a formal complaint against PennyMac for their illegal foreclosure on my deceased mother 's house and their blatant disregard for my rights under the Real Estate Settlement Procedures Act ( RESPA ), particularly the 2018 update pertaining to successors in interest. 

Upon my mother 's passing, I promptly established contact with PennyMac, despite it being their legal obligation to reach out to me. I inquired about the necessary steps and offered my mother 's power of attorney, which PennyMac employees confirmed would grant me access to the account, as noted in their records. When this approach failed, I went through the probate process and faxed my probate documents to PennyMac on XX/XX/XXXX. However, this effort was futile as it did not grant me access, and no one could provide an explanation. 

Throughout the months of missed payments, PennyMac never attempted to contact me. The notice of default was addressed to my deceased mother, further complicating the situation. After the foreclosure, I repeatedly raised concerns with PennyMac employees, emphasizing that it was illegal for them to refuse my payment despite my diligent efforts. I explicitly mentioned RESPA violations, but my concerns were consistently dismissed. 

On XX/XX/XXXX, the Friday before the auction, a PennyMac employee finally decided to investigate the issue. After thorough examination, he identified that the unresolved issue from XX/XX/XXXX was my photo ID. Despite acknowledging the error, no accountability was taken, and the employee stated there was nothing he could do except advise me to apply for loss mitigation. 

I am a XXXX XXXX XXXX XXXXXXXX veteran, and losing my home to PennyMac 's unlawful actions would strip me of approximately 30 % of my monthly income, which would now have to be allocated to rent. The actions of PennyMac have caused indescribable damage to my life, preventing me from gaining closure on the most traumatic experience I have ever faced. I came to live here in XX/XX/XXXX to take care of my Currently, I am actively involved in a wrongful foreclosure lawsuit against PennyMac. I am seeking the CFPB 's assistance in not only strengthening my lawsuit but also in establishing a claim for the maximum possible damages. I firmly believe that PennyMac 's actions are in clear violation of RESPA and the XXXX update regarding successors in interest. 

I kindly request that the CFPB thoroughly investigate this matter and take appropriate action against PennyMac. Their practices have not only caused me significant financial harm but also immense emotional distress. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2021-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. I have a loan with KOHLS/CAPONE with account # XXXX, which was opened last 2017. I have not made any late payments with this account and you will be able to check it in my credit report. The 30-days late payment was an error on the Creditor 's end. I have made contact with both the 3 Credit Bureaus and the Creditor but I have not heard or received anything from both of them. Based on Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information, they are either to provide any legal documents to validate their investigation and remarks or correct the status of this account immediately.
Consumer complaint received 2021-09-17
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-01-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

On XX/XX/2020 I sent a letter stating the inaccurate account on my credit report. I have not received a response in 30-45 days I feel like I am being taking advantage of and been ignored of my dispute! section 611a is plainly stated that a failure to investigation this items with 30 days is a reason to immediately remove this item from my credit report. I demand that this be removed immediately or I will file for litigation due to the stress such party has caused.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I was notified that a purchase in the amount of {$53.00} was made at XXXX  and XXXX  on my debit card was blocked and requested authorization, which I declined, since I hadn't made any purchase. I than went to check the transactions on my account at the B of A website. There were three unauthorized transactions in the amount 0f XXXX, made at both XXXX  and XXXX  and XXXX. I contacted B of A fraud department and was assured that all transactions had been blocked and that I needn't do anything more. They would cancel my existing card, issue me a new card and remove the transactions I had not made. 
Now, XX/XX/2021, after receiving my new card I noticed that the transactions had never been removed and had been paid despite what I had been told. Further, B of A stated they would have to conduct an investigation that could and probably would take 90 days before they could determine if I am or am not legitimately liable for the charges. 
They also recommended I file a police report, which I have also done today.
Consumer complaint received 2021-09-17
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)

I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

In XX/XX/XXXX I checked my credit report and found a collection agency filed a collection report {$260.00} charge for XXXX services from an address in XXXX FL. I have never done business with XXXX or been to XXXX, XXXX XXXX XXXX FL. I have lived in XXXX XXXX FL for XXXX yrs. The collection agency is Sequium Solutions, XXXX XXXX XXXX, XXXX. XXXX GA. XXXX. I've contacted them 3 times by phone. They only want my SS #. Nope. Or immideate payment. Nope. They will not tell me how they connected my credit report with an address 300 miles from where I lived at the same address for 24 yrs. I never received any phone calls, ( same number 16yrs ) or mail ( same address for 24 yrs ) Obviously wrong person. I filed an ID theft report with XXXX XX/XX/XXXX, but have heard nothing back for 3 months. On XX/XX/XXXX I filed complaint with State of FL, as that is where action took place. I also file with the State of GA, to examine Sequiums business practices, as that is Sequiums home office. Also filed with XXXX. I am filing next with FCC against XXXX as the originator of the info to Sequium. Sequium has ruined my credit rating causing me to pay more for auto/home owners insurance. I can't get a new credit card. I sold my house in XXXX county and closed on XX/XX/XXXX. This may have made my name pop up. My belief is Sequium found numerous names near mine, with similar demographics, filed on numerous credit reports, hoping something will stick. No matter whose credit they ruin.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DIRECMANAGEMENT, INC. (AL)

Repeated calls from a debt collector to myself and my spouse during work hours. On XX/XX/2021 I answered a call from XXXX from Direct Management and was speaking to a woman who would not identify herself just who she was calling for and the debt she was calling about. After she explained her side she asked for me to set up an agreement to settle the matter which I never do over the phone since being a victim of identity theft. I asked for an itemized bill and their contact information so that I could set something up and woman began to repeatedly tell me me that I was trying to avoid paying my bill and put it off longer, and that she was going to make note of it on my account if I wasnt going to make an arrangement at which time I told her I needed her name and I wanted to speak to a supervisor. She didnt give me her name but transferred me to a supervisor. At first the supervisor told me it was XXXX XXXX and when I mentioned that to would be reporting the contact for being oppressive and harassing he told me it was XXXX XXXX that I spoke to. I then ended the call.
Consumer complaint received 2021-09-17
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: TD BANK US HOLDING COMPANY (CT)

My wife applied for a TD bank retail card through XXXX and XXXX. She applied as a sole applicant and entered only her name, DOB, and social security number. She specifically chose no when asked if she wanted a co-application. The credit card was approved and at the same time, her credit report alerted that there was a hard inquiry on her credit report, my credit report was also alerted that there was a hard inquiry on my credit report. My information ; name, DOB, and social security number were never entered and I did not authorize TD bank to run my credit. I would like this hard inquiry removed from my credit report as it was unauthorized.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (AZ)

I sent letters each month from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX and Experian disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XX/XX/XXXX has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.
Consumer complaint received 2022-11-01
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. (FL)

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage XXXX and XXXX insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Consumer complaint received 2022-11-01
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. (FL)

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage XXXX  and XXXX insurance and I have never ever had a XXXX! but also this is a recurring fraud on transunion this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

Paypal refused to close our account citing they needed 180 days to return our money and now my balance is XXXX citing charger for violation of acceptable use policy collectively Paypal is stealing almost {$4000.00} dollars from a XXXX veteran after making me believe for the last 6 months my money would be returned. surely this type of criminal activety wont be ignored.
Consumer complaint received 2022-11-01
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

`CITIBANK CHECKING ACCOUNT : XXXX ( CARD XXXX ) ( XXXX ). 

mY SOCIAL SECURITY CHECK WAS DIRECT DEPOSITED IN XXXX TO THIS CHECKING ( APPROX XX/XX/XXXX ), THEN CITIBANK FROZE ACCOUNT LATER THAT DAY. i CAN NOT SEE THIS ANYMORE NOR CAN i GET A STRAIGHT ANSWER ALL THESE MONTHS OF CALLS. 
FIRST, IT WAS THAT SOON AS IT IS CLOSED THEY WILL MAIL CHECK XXXX, THE REMAINDER IN THE ACCOUNT. iT WAS CONFIRMED THAT I WOULD RECEIVE SAID CHECK BY XX/XX/XXXX. 
THEN I CALLED A WEEK LATER, AND NO ONE COULD SAY WHAT HAPPENED. IT WAS BEING HANDLED INTERNALLY BUT I WAS BOUNCED AROUND TIL IT DISCONNECTED. 
THIS HAS GONE ON TO THE PRESENT DAY. 
FIRST, IN XXXX, I WAS TOLD THE CHECK WAS MAILED BACK TO SOCIAL SECURITY. THIS WENT ON AND ON, I CALLED SSI SEVERAL TIMES. 
ONE OR TWO PEOPLE CONFIRMED A CHECK WAS MAILED TO ME BY THEM AROUND XX/XX/XXXX OR XXXX. I WAITED NAD WAITED. 
FINALLY, I CALLED AND THEY SAID IT COULD BE POSTOFFICE SINCE THEY ARE MINIMALLY STAFFED. 
FINALLY I CALLED THIS WEEK ON WED, XX/XX/XXXX AND THE XXXXTECH SUPP0RT ' INSISTED NO CHECK WAS FORTH COMING. I WAS ALWAYS TOLD THERE WAS NO CHECK INCOMING BUT THEY HAD SENT IT OUT ANYWAY ) NOW THEY INSISTED NO CHECK EVER WAS MAILED AND NO MONEY EVER CAME IN. 
NOW I HAVE TALKED TO CITIBANK SEVERAL TIMES THAT DAY AS WELL. FIRST I WAS TOLD THEY SENT IT TO UNEMPLOYMENT. THEY GAVE A NUMBER TO CALL XXXX. THAT IS A LABYRINTH THAT WOULD NOT ANSWER. CALLED CITIBANK AGAIN AND THEY SAID IT WENT TO GOVERNMENT AGENCY AND THEY CAN NOT TELL ME MORE. 
I AM REDUCED TO 2 MONTHS ARREARS ON RENT, FORCED INTO BANKRUPTCY AND AM AT THE END NOW. SOON THERE WILL BE EVICTION NOTICES AND I AM XXXX WITH XXXX  AND XXXX CONDITION. I AM BEYOND HOPE ANYMORE.