davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX of XXXX XX/XX/2020 XXXX of XXXX XX/XX/2020
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2020-01-17
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. (SC)

I AM EXTREMELY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING AS DEROGATORIES ON MY CREDIT FILE. THEY HAVE BEEN REPORTING INACCURATELY AND INACCURATE TRANSACTIONS. THEY HAVE CAUSED TREMENDOUS HARM AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE AND HAVE THEM PURGED PERMENENTLY OFF MY CREDIT FILE.
Consumer complaint received 2022-07-13
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)

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If XXXX, XXXX, and TransUnion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper has added a reserve to my escrow account. Ive requested repeatedly to remove it as per their analysis at no point in the next year will the escrow account actually become negative. And in the event it does, I can pay the lump sum to cure the shortage. 

Maybe instead of harassing me about refinancing with them ( which I would never do at this point ), they could responsibly service my current mortgage. 

I want the reserve removed from my escrow account. By refusing to do so, they are violating UDAAP as this will financially harm me, the consumer. Additionally their lack of action appears to be a violation of Responsible Servicing. I want the reserve removed and the escrow re-analyzed, effective with the XXXX payment. Removing the reserve will likely result in an overage which needs to be returned to me.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX of Inquiry XXXX/XXXX/202
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am the victem of identity theft and i am requesting you block the below information. and remove the accounts from my credit profile enforcing section 605 b of the FCRA.

Bank of America : Account number Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX Bank Of America Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : XXXX date opened : XX/XX/XXXX Bank of America Account number : XXXX Balance : XXXX opened XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

I applied for a XXXX  account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a 2nd credit inquiry when it was not necessary. I called Discover and they cancelled the 2nd application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that 2nd pull.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 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 instructions of the CONSUMER to whom it relates.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 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 instructions of the CONSUMER to whom it relates.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a bank account in Bank of America a long time ago I deposited a check from the job I had at the moment and the check was fraud I didnt now that so now I cant open bank account because all the banks say It can be a fraud I want to take that of my records
Consumer complaint received 2022-07-13
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)

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is violating me as a consumer by furnishing a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.
Consumer complaint received 2022-02-24
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: Shellpoint Partners, LLC (CO)

New -Res Shellpoint Mtg failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXXTRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX via XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.
Consumer complaint received 2023-06-07
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. (WI)

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 XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX  Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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 2020-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

I received a letter on XX/XX/2020 from I.C. System, Inc claiming to collect a debt of {$67.00} from XXXX XXXX XXXX that does not exist. I have contacted XXXX XXXX XXXX and they have confirmed that a XXXX  balance exists. I would like I.C. System to stop harassing me over a debt that does not exist.
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

My loan number with Honda financial services is XXXX social security number is XXXX XXXX XXXX is my name my date of birth is XX/XX/XXXX. I have 9 payment s remaining and my balance is XXXX I told Honda customer service that I'll be late for the XXXX payment and ask them if they can change my due date or get me an extension. Their refuse to grant Ethier one or other. I've been a good customer and my loan is almost pay off. Can you please ask them to help me in good faith thank you
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank completed its company merger the weekend of XX/XX/2022. On XX/XX/2022, I received an email stating that I had been charged a {$36.00} overdraft fee, even though throughout the week I never had received an alert that my account balance was low or negative. I have a setting on my account to text and email me when my account balance is low. The email alert did not inform me of which transaction triggered the overdraft charge. 

I called customer service on XX/XX/2022 around XXXX am and was on hold for a representative for over an hour. When I spoke with a representative, he went through my transactions and informed me that the overdraft was caused when I transferred money from one Truist checking account to another Truist checking account the day on XX/XX/XXXX. Even though funds were available at the time of transfer, they stated that other pending charges posted before they processed the internal funds transfer and which therefore caused the overdraft. Truist refunded the overdraft fee but stated that I would not be entitled to another overdraft forgiveness for another 24 months. 

The customer service representative told me that if I call back within 24 months I could ask for an escalation and he would notate the situation to have an additional forgiveness considered. I asked to confirm this with a supervisor and notated on my account but when I did speak with the supervisor she told me that the representative did not provide me with accurate information and the bank would not provide me any additional grace in the future. It is still unclear to me why I was charged an overdraft when funds were available in my account during the internal funds transfer. I feel like I am being penalized for the messy merger that took place and not having accurate account information available during this timeframe and then losing my benefits due to situations beyond my control. I acted in good faith to ensure my accounts have enough funds based on the information provided by the bank.
Consumer complaint received 2023-03-03
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 (FL)

I have an account on my report that keeps reporting negative it was paid in full and is reporting to my credit report negative. The account is CAPITAL ONE is doesn't show any accurate information since XX/XX/2022 and the 3 credit companies will not help me resolve this problem!
Consumer complaint received 2022-02-24
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)

My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. Experian is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020