davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to my credit report, I noticed my privacy rights were violated. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below. 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 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

CFPB Write up n 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 2020-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

In XXXX and XXXX of XXXX I charged my Barclay Card ( XXXX XXXX XXXX ) three separate charges in the amounts of {$500.00}, {$300.00} for deposits on a XXXXXXXX XXXX that was to take place in XXXX of XXXX. In XX/XX/XXXX I charged the balance in the amount of {$3300.00}. Due to covid the cruise was cancelled and rescheduled several times over the next year. In XX/XX/XXXX we requested a refund from XXXX. {$400.00} did get credited to my account. They said at the time that it could take 6 months or more for the full refund. I was patient. I called periodically. Finally in XX/XX/XXXX I contacted XXXX who told me that the entire refund had been sent back to Barclay card US. I never got the credit. At that time I submitted a dispute. Barclay has declined the dispute stating that since the original purchase was 2 years prior they will not investigate nor credit my account for the services that I did not receive.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC (AZ)

Jefferson Capital Systems has reported to the credit bureaus a debt on my credit report without first notifying me, and also not providing any information as to an account #, or who this debt is with ... I have no knowledge of this debt and yet its been reported on my credit reports ...
Consumer complaint received 2021-03-23
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: ERC (NY)

On XX/XX/2020, ENHANCED Recovery added a Derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did NOT verify this collection. Also there has been no written form of communication, contract or signature for this accused debt at all. A bill without my signature CAN not validate the debt, therefor anyone can send a bill and say it's mine. According to the FCRA ENHANCED Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

On or about XX/XX/2021 my lender submitted a request to PNC to subordinate my 2nd lien HELOC loan as I am refinancing my current 1st lien mortgage. Despite promptly submitting all my paperwork and getting a call from an appraiser neither my lender nor I have received any communication from PNC. I went so far as to send multiple emails to to PNC and call their branch manager. The branch manager called me back toward the end of the day and told me he didn't have any way to provide me with an update. 

I have already had to extend my refinance lock agreement ( at a cost ) and am now faced with either paying off this PNC HELOC or paying again for another lock extension. 

My total combined loan to value ( including my new loan as well as the full amount of my HELOC ( if I were to use it all ... .which I am not ) is well under 80 %. 

Over 50 days!!!! What the heck???? 
TIME TO CANCEL PNC!
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM TRANSUNION ON XX/XX/XXXX AND WAS REINSERTED ON XX/XX/XXXX. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED
Consumer complaint received 2021-03-23
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. (NY)

I purchased a house through XXXX XXXX. Who then sold my mortgage to XXXX. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called XXXX and they were to look into it and then they sold the mortgage to XXXX. I then called XXXX and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very XXXX This reporting is hurting my credit severely and during this trying Covid time I am XXXX
Consumer complaint received 2021-03-23
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. (TN)

I have a few issues to address : 1. ) XXXX  has dropped my credit score a number of times without any explanation. I understand hard inquiries impact your score negatively and a number of other things are determining factors as to what your score will be. But when there is a drop with no explanation or indication as to why it dropped, that is unacceptable. Equifax and XXXX ; I always know why my score dropped. XXXX is the only bureau that has no explanation. WHY? 

2. ) Why is it that, if you pay off your home loan or any other large purchase, the consumer is penalized? Our scores should either stay the same or increase for the hard work of paying off a huge debt. Instead ; all 3 bureaus take at least 20 to 30 points off of your credit score. How is that fair to consumers that work hard to keep their excellent credit rating? 

3. ) When a credit card closes ; why is that a reason to drop our score? I know the excuse is " because you no longer have that credit history. '' Why can't it be ; if you paid those cards off, your score doesn't change and that history still counts after the account is closed. 

There are so many unfair things that make it extremely hard for consumers to succeed. We know creditors base majority of their decisions on the score as opposed to the history ( i.e. interest rates ). And yet the bureaus hit us in every direction. 

All we want is to be treated fairly. If the above 3 things are changed, that would make a world of difference to consumers who work diligently to keep excellent credit. 

Please don't response back by telling me the rules. I know what the rules are and rules can and should be changed for the better. Just because they are the rules, doesn't make them RIGHT or FAIR. The system is geared toward the creditor in every way. The consumer gets punished if we are not paying our bills, which is understandable, and we get punished if we pay our bills on time or pay them in full. 

If whomever is responding to this doesn't have a solution, please let me know who does.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I had several loans with the Department of EdXXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Consumer complaint received 2021-03-23
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. (GA)

Identify theft from XXXX from my taxes, a stolen wallet and more recently the Equifax data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). 

Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. 

It is clear to anyone that what they are doing is wrong.
Consumer complaint received 2021-03-23
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. (NJ)

My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Re : application # XXXX XXXX XXXX XXXX Vendor denied credit card on basis of Equifax Credit Information Services. 

My letter to them dated XX/XX/2021 averred my outstanding credit with various accounts including XXXX XXXX and MasterCard. 

Requested explanation for their report. 

Never received response.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have disputed these INACCURATE/UNAUTHORIZED accounts multiple times with TRANSUNION and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccurate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE acounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This has been going on since XXXX when i noticed the inaccurate information on my credit report. I have contacted the collection agency who advised me they can not do anything to correct this matter. As well as the original company who advised me they have new management and none of the previous employees i dealt with worked for the new company. I have contacted all three credit bureaus regarding Fair collections in and out reporting inaccurate information on my credit report. Which states that i owe them {$4400.00} for a home that I no longer lived in. I sent all three bureaus proof of my lease agreement for the prior year as well as my notice to the company that I would not be renewing my leases and i would be vacating the premises. I also sent them emails that I had with the company confirming that I would no longer be living in the home. The credit bureaus then sent me back the same lease agreement which is for the prior year XXXX. Ignoring the fact that this companies charges are all from XXXX a year that they did not have a lease agreement for also a year i was no longer living in the home. Which I sent proof of my XXXX new home lease agreement that verifies i did not live in that home for the months/year I was charged. I moved out of home XX/XX/XXXX a week earlier than I needed to. The credit bureaus have failed to remove this from my credit report after irrefutable facts were sent and they continue to verify this debt as accurate. I am being punished due to this company XXXX XXXX XXXX XXXX being sold XXXX XXXX XXXX XXXX right when my lease ended and a mistake has been made that caused me to be charged half a year for a home i was not living in nor received a deposit back for! I am at my wilts end and no one will hear me out. I do not owe this company anything I paid my last months rent submitted my 60 day notice and I moved to my new home XX/XX/XXXX, Please help me resolve this matter and getting this inaccurate collection removed from my credit report asap. 
Thank you
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have previously filed a complaint against my mortgage lender, SPS, and after reading their response, I still am unsatisfied with what they are stating. My number one issue is the fact that they breached their contract with me. When I received a loan modification through XXXX XXXX XXXX, XX/XX/XXXX, the agreement was that my property tax and homeowners insurance were to be impounded. When SPS took over my loan in XX/XX/XXXX, they agreed to all terms of my loan modification. I received a letter in XX/XX/XXXX from SPS stating they are not responsible for my homeowners insurance and that I would need to pay it myself, due to the fact my home was considered a condo. I had no problem paying my own insurance for my home, however, when I was given a loan modification my mortgage payment included my property tax and my homeowners insurance, when they were no longer paying my insurance, my mortgage payment should of decrease by the amount going to my insurance company THIS NEVER HAPPENED. When I questioned the situation SPS stated my homeowners insurance was the responsibility of my Homeowners Association. This was absolutely false!!!! I pay 2 homeowners associations totaling {$200.00}. I wish my insurance was being included. SPS also stated that my mortgage company NEVER paid my insurance, which once again is false. Attached is a document from XXXX XXXX showing XXXX XXXX XXXX previously was paying my insurance.
Consumer complaint received 2022-07-01
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)

This is a fraudulent Collection/Account. Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, which I new it was not my debt, but I paid it in good faith, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.