davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (OH)

After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-16
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: JPMORGAN CHASE & CO. (NC)

I received an alert for a credit inquiry on XX/XX/2023 for JPMCB CARD from XXXX and XXXX credit reporting company and immediately called to inquire why. I was advised that an application was submitted and I confirmed that it was fraudulent at which point the company advised me they will close the application and to give 60-90 days for the inquiry to be removed. I have continued to call JPMCB and they apologize and tell me that they are working on it but here we are XX/XX/2023 and the inquiry is still there
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I made a purchase of 4 cans of XXXX spray through XXXX. It directed me to a website. After my purchase I received the information from Paypal that I had paid {$20.00}. The transaction ID XXXX ... Purchase date XX/XX/2020 Payment to : XXXX Invoice ID : XXXX Merchant Transaction ID : XXXX Item XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ID number : XXXX Says this transaction will appear on my statement as PAYPAL XXXX XXXX Now the phone number they supplied is disconnected. Email : XXXX Phone Number:XXXX Paypal allows scam artist all the time
Consumer complaint received 2022-12-12
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-12
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I notified Capital One Bank of Fraudulent charges on my account. There were over XXXX in Fraudulent charges and XXXX $ in ATM withdrawals. They told me at that time my card was frozen and could be used again. I woke up the morning of XX/XX/XXXX and my card had been used again for an additional XXXX XXXX I reported the fraud again and was promised a temporary credit until the investigation was over. I then waited the XXXX as the rep asked and nothing happened. I called back and was told XXXX business days for investigation. I requested a supervisor who then told me I still need to wait the 10 days. XXXX hour later I recieve ld an email saying my claim was denied and that no further action would be taken. I've called Capital One several times and they answer the phone but don't say anything they pick up and it's dead air. There was no investigation, this all happened over a span of XXXX hours.
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  reporting ). Bank of America XXXXredit cards was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by Bank of America fraud department. However, my conversations with Bank of America fraud department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of Bank of America fraud department who advised me that a letter will be sent out to me, by Bank of America confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from Bank of America since XX/XX/XXXX. The 2 fraud credit inquiries still remain on my credit report, from XXXX and XXXX.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

XXXX from this company has contacted us numerous times and is on the edge of harassment. She stated we owed for move out fees from XXXX, but I provided all evidence that we already paid. I provided 2 invoices, one for a deep clean and one for paint and patching of the walls, which is what was on the invoice from the apartment building. 

In XXXX of XXXX, we disputed this debt after she said on the phone, I bet youll call me back after you check your credit report and hung up on me when I was trying to gather more info. I checked my credit report and there was a negative mark. I followed up with her with all supporting documentation that I had the apartment deep cleaned and painted. She called me back today and was very threatening, saying if I dont pay right now today, she will ruin my credit and report me as failure to pay. I will not pay for something I do not owe. That is not right. 

Additionally, the apartment complex we moved out of sent us a check for our security deposit, stating that all debts were resolved when we moved out. If we owed more money, they wouldnt have given back our security deposit. 

I want this disputed again and XXXX said that was not an option. She also said she will continue to report and suggested double reporting for the same debt. This is in violation of rules established by the FDCPA.
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (VA)

First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.
Consumer complaint received 2023-08-15
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: AMERICAN HONDA FINANCE CORP (GA)

There is a 30-Day late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this 30-day late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: General Motors Financial Company, Inc. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 472K payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Consumer complaint received 2020-11-13
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. (TN)

On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

My loan is serviced by PennyMac. I have had two issues with my escrow account requiring me to call PennyMac. The most recent issue has been regarding my homeowners insurance coverage. 

XX/XX/XXXX : We received an e-mail from XXXX XXXX alerting us that our homeowner 's insurance payment was overdue. 

XX/XX/XXXX : We received a letter from PennyMac that our homeowner 's insurance had lapsed. 

On the PennyMac website, under the Escrow page, it shows the current insurance policy number matching the insurance policy coverage period of XX/XX/XXXX - XX/XX/XXXX. The old policy matches the new policy received for the coverag eperiod of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX stated they have reached out twice to receive payment from the escrow and have not yet received payment. Per the PennyMac website, it shows the " Responsible party '' as " PennyMac on Borrower 's behalf '' The earlier issue I had was for remittance of the property taxes. Similarly to the current circumstance, I had to contact PennyMac to let them know I had received a delinquent property tax notice from XXXX XXXX, MN. The payment information and payment due date in PennyMac 's system matched with what was on the property tax statement. I also had to request that they pay the late fee assessed on my property.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capstone Credit & Collection, LLC. (FL)

Capstone credit & collections appeared on my report with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX which I never lived or affiliated with at all. Account # XXXX appeared on my credit report XX/XX/2020 I would like this removed asap because it is hurting my score badly.
Consumer complaint received 2024-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by XXXX for their mishap, but I have no credit score and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a notarized letter, my DL, and my Social Security card proving I am not deceased. XXXX ignored these notarized and official documents and nothing changed for over a year. XXXX is allowing a company called Capital One to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want Capital One removed from my profile along with the name that is not mine, which is not my AKA. I am being denied credit because XXXX refuses to update this information. I want it updated ASAP. My dispute with Capital One should be resolved by XX/XX/2024, based on the 30 days allowed.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I paid off the final amount of XXXX and some change so I could be done with the account. They charged me a {$2.00} interest fee.. and a late fee for the XXXX that they said couldn't be taken out on time even though it came out of my account when they finally decided to take it. So I said whatever, I'll pay it. Tried paying {$20.00}. They didn't take it out on the day I scheduled it, instead waiting several days. I never even got a notice that they tried to withdraw it nor did I get a transaction declined message from my bank, meaning no attempt was made & I was charged a late fee for no reason. My balance went from {$2.00} to {$72.00} AFTER I paid off the account. I've messaged them several times and they just give me a generic response.
Consumer complaint received 2023-03-09
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. (PA)

My mortgage company XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  ) was paid in full, I did receive written and phone verification that loan was paid in full and satisfied on XX/XX/2023. I had contacted XXXX  and requested that they release my information to the credit bureaus so my credit score will be increased as I am awaiting a new loan for a new house. I was told that the info was sent to the bureaus on XX/XX/2023 ( but according to the bureaus, that is not true and the 3 have not received any notification ). I contacted XXXX  again and requested again to be released ASAP as this issue is holding up my credit score increase and ability to get best loan rates and approval. I have already lost almost 2 months and chances on real estate were sold to another as I cant secure the new loan at this time. I know that Federal Banking Regulations require them to continue to report every 30 days on a loan and the fact that they are in violation is harming my credit and chances to secure a new home loan. I also understand that XXXX has a history of complaints and violations against their entity. I respectfully request that this entity be held accountable to fullest extent as they continue to violate regulations. Thank you
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (CA)

I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MD)

I just learned that One Main Financial has been misleading and deceiving me with my loan for years now. when I applied for the loan originally, I was not told about the add-ons and not being able to completely pay the loan off. For the first loan you think you paid it off but in reality, you didn't completely pay it off and then one main added more charges to the loan so you're paying more on the second loan. so how the process works is you have to put up your vehicle title, and say you borrow XXXX dollars, but you don't actually get the full XXXX that you wanted to borrow, they keep half but you still have to pay the full amount back. I read an article that one main was misleading others too.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

The report from XXXX XXXX  was to be changed after an investigation from Consumer Financial Protection Bureau, submitted XX/XX/year>. You were supposed to change it and you did not. The other two credit agencies DID make the change. This is from Woman Within : As a courtesy, we sent a request to the credit reporting agencies to remove the delinquency from the credit report. As a courtesy, we previously applied a credit of {$67.00} to the account for the associated late fees. 

It was THEIR error. Please change the information. 

XXXX XXXX
Consumer complaint received 2024-01-19
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. (IL)

On XX/XX/year> and XX/XX/year> I submitted disputes on a collection appearing on my credit report. Both XXXX and Experian responded back and notified me that the results of their investigation were updated. However, on both occasions, they did not provided me with the physical verification as I had requested.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NJ)

When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and Aidvantage, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (FL)

I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX