davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX purchased an XXXX laptop from XXXX for {$1900.00} ( order number XXXX ). I then returned the item on XX/XX/. I was sent a message saying I would receive my refund by XX/XX/. I didnt get my refund so I asked XXXX to step in. They denied my refund saying I never returned it to dispute it with my bank. I then disputed it with my bank which they denied saying I sent the return from a different place where it was delivered. There is no XXXX  dropoff in XXXX Pennsylvania so I drove to XXXX Pennsylvania XXXX. I contacted XXXX  and they confirmed that it was delivered to the address on return label. I was then told my money was in account management and I would receive it 72 days after a certain date but never did.
Consumer complaint received 2020-01-18
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. (NV)

. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

This is a request to open a previously submitted CFPB Complaint # XXXX. I've received a follow-up from the originator of my refinance XXXXXXXX XXXX  regarding a previous CFPB complaint case made against XXXX and the follow-up read as follows : " XXXX reviewed the closing of this loan upon receipt of the complaint. XXXX found that the the loan was closed correctly. The error is on Investors side once the loan was sold and went into their onboarding for servicing. The investor was contacted and confirmed that they had received a complaint as well, which they are in the process of researching. XXXX XXXX, XXXX customer service manager, spoke with the borrower to inform him of this. The borrower confirmed that he was also been contacted by the investor & is aware that they are reviewing and will be providing him with a resolution. '' As previously brought to Penny Mac 's attention in my initial CFPB complaint case, it was Penny Mac 's responsibility to ascertain the taxes due on the loan before closing. I wouldn't have had any control the calculations and determinations of my final refinancing of my loan ; that's Penny Mac 's responsibility. Penalizing me and requiring me to augment my pay structure to compensate a sizeable tax increase on the error of Penny 's fault, should be on them and not me. If Penny Mac did it's job correctly, and had the proper XXXX  and procedures in place, they would have accounted for the tax increase prior to the closing and the final interest rates and payment structure. Due to Penny Mac 's failed actions, I had to adjust my refinancing after the fact and be financially injured to less than optimal payment arrangements than had Penny Mac accounted for the increase before closing the loan. Due to their error, I had to adjust my own personal finances to absorb this unexpected obligation. Typically, property taxes may change over time and that's by nature, but for this to have occurred soon after closing speaks volumes to Penny Mac 's credit and lending administration practices and procedures.

Penny mac refuted my complaint and buried me in technical jargon to escape blame of obligation to do their job. Shame on you Penny Mac. Using technical nonsense to explain why you are not at a fault to an innocent borrower is disgraceful and again is why we need agencies, such as the CFPB. Despite your conclusions, it is your failed processes that got me in this mess and it is your failed processes that has caused me financial injury and embarrassment by the local tax office.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.
Consumer complaint received 2022-09-30
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. (MI)

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States that 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 reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-25
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. (GA)

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

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company keeps reporting XXXX days past due, this account was paid in XX/XX/2020 I had XXXX XXXXXXXX and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Around XX/XX/2019 I was contacted by letter by Portfolio Recovery Associates, LLC which alleged I owed a debt to XXXX XXXX. This company also alleged the debt was previously held with XXXX with previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by XXXX XXXX  who bought XXXX Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with XXXX XXXX  for XXXX and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company ( Portfolio Recovery Associates ) to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ).

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against Portfolio Recovery Associates, LLC for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2022-06-15
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: Navient Solutions, LLC. (CA)

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : NAVIENT XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-25
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)

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

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX  XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  number XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-25
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and XXXX. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand Experian to remove these two accounts.

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on XXXX an exceptional payment history that I do not recall. And it's showing on Experian as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my transunion credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my Experian and XXXX credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

Debt collection agency issued me a collection letter for a medical service never authorized. The collection agency is Wakefield & Associates, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. After receiving the letter I wrote them back and disputed the debt with proof and stating the fraudulent nature of the debt. After attempts to have them fix the account in which they stated they would in writing, it has now been reported to my credit report. I'm am speaking with an attorney this week to sue the company for harassment and fraud. After looking up reviews on this company, these people are crooks and I am one of hundreds they have done this to illegally including ruining people 's credit for lies and illegal practices. I will provide all letters and documents upon request.
Consumer complaint received 2020-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed is that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2022-12-25
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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (AZ)

I've spoken to the debtor and they stated I owed them {$21000.00} billing to an address I never lived. I've ask for the original contract with my personal information and signature, yet to receive anything which proves the account is mine. 

I've disputed the account with XXXX and was told to prove the account was mine and I have yet to receive the original contract with my personal information and signature.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX Baronet Ct XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; 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 HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (OH)

It started with a debt that XXXX XXXX XXXX ( XXXX ) said that I owed when they made false claims to get me to renew. When I called back to cancel and explain my situation they said sorry and that I was out of my contract and I had to just return my equipment to their store. I went and returned my equipment to their store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. At that point I asked if I was good and didn't need to do anything else to be done with them and they said I was good so I left. I then received a bill from them for the services I didn't request so I called and they said it was their mistake and that I was relieved of what they said I owed. This was back in Fall/Winter of XXXX. I then received a few months later letters and calls from XXXX XXXX XXXX, a debt collector, I had to go through a whole process and lots of time ( almost a full days work ) to get them to say their collections are done and that they wouldn't report me to a credit bureau. This letter came on XX/XX/XXXX. I thought this was handled then in XX/XX/XXXX I got a call from AmSher saying I owed debt told them my situation and that I already handled this and won't do it again and to stop contacting me. They continued contacting me so I sent them my information on the previous collection efforts to show that I didn't owe anything. Then they said they would stop contacting me but nothing else was handled and I feel that this is harassment by XXXX XXXX to try and collect a debt that isn't owed to them.
Consumer complaint received 2020-01-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have been disputing inaccurate items on my Equifax credit report since XX/XX/2019. Aside from the fact that they have barely responded, or made any changes to the inaccuracies, I just received a letter stating that my social security number belongs to a deceased person. I reached out to the Social Security Administration and they assure me everything is good on their end. I am outraged that Equifax is making these bogus claims to get out of investigating my disputes and doing their jobs. I have included below the letters I've sent to Equifax as well as the letter stating my social security number has been compromised.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Ive been with Wells fargo ever since I was a child since Wachovia bank. Ive trusted Wells Fargo after the transition. But ever since Ive been with them, Ive been charged overdraft fees numerous times. At least multiple times a month for 10+ years. Times I had the funds and they were late to process payments that were already made but get charged overdraft fees to cover payment I had already made but my funds were process late on Wells Fargo behave which made my overdraft. I have the thought of leaving Wells Fargo but I only stayed because Ive been with them since my parents open my first account with them since I was a child.