davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (CA)

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Had my score decrease by XXXX with TransUnion because of paying off a loan early. The same activity caused my XXXX and XXXX credit scores to go up. This happened on XX/XX/2024. I then reached out to TransUnion for explanation, to which I was not given any reason outside of it just being a dynamic score. I then asked for a link or email to file a grievance with TransUnion and was told that it is not something that they even allow.
Consumer complaint received 2022-06-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act 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
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

Auto Pay for Macy 's credit card was activated on the wrong credit card account. I spoke to Macy 's customer service. Macy 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The Macy 's representative I spoke to on XX/XX/2022 removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all Macy 's accounts with all credit reporting agencies remove the late status. Thank you! 

XXXX XXXX
Consumer complaint received 2022-06-02
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. (PA)

I am consumer XXXX XXXX and my federally protected rights have been violated by PENNYMAC LOAN SERVICES. I do not have a contract with PENNYMAC LOAN SERVICES. I've requested that PENNYMAC LOAN SERVICES send the FORWARD FLOW AGREEMENT BETWEEN THEM AND XXXX XXXX. I've demanded that PENNYMAC validate this alleged debt pursuant to 15 U.S.C. 1692g, and to verify alleged debt with sending the name and address or original creditor. PENNYMAC has not done the things listed above. I demanded proof of PENNYMAC giving me a loan.

PENNYMAC LOAN SERVICES has not given me my right to rescission under 15 U.S.C. 1641 ( c ) of a transfer of loan. Under the CFPB 1026.23 Right of rescission has to be given in a consumer credit transaction. PENNYMAC IS IN VIOLATION OF THESE SECTIONS.

PENNYMAC LOAN SERVICES has continued to harass the consumer for payment and threatened me to seize my consumer property on XX/XX/2022, which is false misrepresentation pursuant to 15 U.S.C. 1692e ( 4 ). PENNYMAC LOAN SERVICES has sent unknown individuals to my property without my consent to harass and violate my individual privacy of the consumer. I serviced PENNYMAC LOAN SERVICES a CEASE AND DESIST and they persist to harass me as a consumer and natural person not obligated to pay any debt not owed. PENNYMAC LOAN SERVICES is a third party debt collect and must abide by the Fair Debt Collection Practices Act, & Truth in Lending. PENNYMAC LOAN SERVICES has failed to properly respond to my AFFIDAVIT OF TRUTH IN WHICH LEGALLY HAS TO BE ANSWERED BY AN AFFIDAVIT OF TRUTH AS WELL. PENNYMAC HAS SENT COPIES OF A CREDIT TRANSACTION THAT THEY WERE NOT PRESENT FOR.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kelsting Group, Inc. (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX reporting agency as well as Trans Union reporting agency in regards to several inquiries that are Invalid. I have reached out to XXXX and successfully gotten these invalid increase delete it from my Credit report. Upon contacting XXXX and Trans Union they consistently attest that these inquiries are accurate and will not be removed until said date.
Consumer complaint received 2022-06-02
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 (IL)

I received a copy of my credit report and found the following items to be inaccurate ; 1 Capitol One account number XXXX has multiple inaccuracies. 1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act. By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Original charge from XXXX. I cancelled our service on XX/XX/XXXX. They continued to bill us for service afterwards. I received notice XX/XX/XXXX from XXXX that my outstanding bill was for {$410.00}. Since the account was cancelled I could not access online statements and determine the reason for {$410.00} bill. On XX/XX/XXXX I spoke with XXXXXXXX  rep XXXX to resolve the problem. She indicated that the true outstanding based on the XX/XX/XXXX cancel date was {$170.00}. I paid XXXX  {$170.00} on XX/XX/XXXX and thought all was resolved. Subsequently I continued to receive bills from XXXX with a different amount each time. Sometime later XXXX assigned the account to a collection agency Credence. Unbeknownst to me, Credence attached a collection notice on XX/XX/XXXX which has affected our credit rating to the point where attempts by us to obtain credit has been refused.
Consumer complaint received 2021-09-05
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. (OH)

XXXX  and Equifax continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither XXXX  nor Equifax reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because XXXX  and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.
Consumer complaint received 2020-04-03
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

XXXX  : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} TRANSUNION : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on my credit file
Consumer complaint received 2022-12-29
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. (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX and XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (TX)

I XXXX XXXX entered into a consumer credit transaction with Mercedes Benz Financial on this XX/XX/2021. I used my credit card as defined under 15 USC 1605. Mercedes Benz Financial then took my credit card and got a loan and began to violate 15 USC 1692 ( e ) because they falsely represented our contractual agreement.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

have over years asked my mortgage service provider for a better interest rate .They refuse to work with me unless im late on payments, offer no options have been paying 7.9 % for 20 years. they one time offered a look at a loan modification, but forced me to go late on payments to do so. Witch in turn took my XXXX credit score to mid XXXX they will now no longer talk to me. When I ask for the real mortgage holder I get a list of banks 6-10 long most no longer in service. All other lenders in my area want to loan far more than I NEED, OR WANT.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

Closed checking account with XXXX XXXX ( XXXX XXXX, hqtrd in WI. ) has been reported to XXXX as having a negative balance. The bank that acquired that assets/accounts ( First Citizens Bank in NC. ) has not produced the requested documentation/evidence of what created the negative balance.
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (AL)

I HAVE PROVIDED EXPERIAN WITH ALL THE DOCUMENTS TO PROVE THAT THE BANKRUPTCY SHOULD NOT HAVE BEEN ON MY CREDIT REPORT. I HAVE SUBMIITED ALL DOCUMENTS, AFTER THEY INVESTIGATED IT, THEY MAILED ME A LETTER STATING THAT THEY HAVE DELETED IT, BUT S OF XXXX, IT IS CURRENTLY REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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
Consumer complaint received 2022-06-02
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. (CA)

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. 

I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. 

When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. To any normal person, there would be no further action to take - so I took no action. 

Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. 

She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in XXXX now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. 

There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. 

I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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