davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I applied for mortgage assistance with PennyMac, their program to determine yiur eligibility for forebearance, modification, etc, in XXXX and made a partial payment. I submitted what I felt was all of the relevant documentation on multiple occasions but was continually asked for more or different information. 
Finally, in XXXX, we were coming to a close on the process, however, even though I was undergoing an asistance application, my loan was reported as delinquent. 
To prevent further damage, I paid the loan fully current on XXXX. I asked the company to remove the delinquent status and late payment and they insisted it was impossible, even though I was undergoing an assistance process at the time. They said this process was explained that loan modification or assistance may effect credit score or have tax implications so I have no reason to be surprised.

However, during my initial consultation in the process I explained my hardship, that I was planning to sell the house, and asked about possible impacts to credit or taxes and was told those should not apply to me in this case due to my detailed explanation of my situation.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (GA)

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NC)

I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : Synchrony XXXX Synchrony XXXX Synchrony XXXX Synchrony XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Another name is showing up on my credit report. 

XXXX, XXXX, S Different addresses is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to bring to your attention an error in the reporting of my account with your institution. My credit report shows a late payment on BARCLAYS BANK/OLD NAVY XXXX XXXX which is inaccurate. I have always made timely payments and have documentation to support this. It appears there was an error in recording the payment on your end. I kindly request that you rectify this error and update my credit report accordingly
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 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 I do not know these companies. I have never done any business with these companies. These companies do not have a contract with my signature. 
Please remove these inquiries from my credit report immediately.
Consumer complaint received 2022-11-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Consumer complaint received 2023-01-06
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 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  In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I opened the account and was told at the time there was no mobile deposit limit. After I opened it I discovered the limit was {$2000.00}. After a month it was inexplicably reduced to {$500.00}. I believe that's called bait-and-switch.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (GA)

This company contacted me from a third party site and asked me to fill out an application on their site and I stated that I do not want my credit pulled so I will not be proceeding nor did I fill out the application. A few Days later they still proceeded to pull my credit. I have contacted them several times about the incident, spoke with XXXX representative who transferred me a XXXX whose voicemail was full. Since then Ive called several other times to which I was supposed to receive a returned call and still have not.
Consumer complaint received 2020-09-29
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. (SC)

XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to XXXX XXXX and XXXX XXXX, the item came back verified from Equifax which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted Equifax to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I called and received balance and thought I paid this account in full, I paid the amount stated over the automated system. When I received my next bill there is a fee : {$0.00}. 

I called customer service spoke with XXXX, it was available or just just didn't apply when I inquired and paid off this account. She assured me once I paid the {$0.00} there were no more charges. 

She could have removed the fee its under {$1.00}. 

Wayfair / Comenity is one XXXX  XXXX XXXX XXXX of a company with fees and charges. 

I ASK FOR BALANCE DUE AND WAS GIVEN THE AMOUNT I PAID WHT SHOULD I BE RESPONSIBLE FOR THE NO GOOD SYSTEM
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (OK)

I applied on XX/XX/2022 for loan. XXXX XXXXXX/XX/2022, I want to pay loan off before interest rates apply. They have my information, but their website shows I do not have an account with them. They ask for a XXXX account number in automatic calling. They provided me with only XXXX. They don't answer the phone number provided. They have failed to openly communicate properly. I feel like they are predatory lending to me, the customer. I want to opt out of their services.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-06
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2020-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

{$900.00} was taken out of my Checking account Through XXXX. I do not know who that person is. 
XX/XX/2020 QuickPay with XXXX payment to XXXX XXXX XXXX XXXX Till this day Chase have not given back my money! I already filed a complaint. Apparently this has been happening to a lot of CHASE Customers!
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the " supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

Why someone else is linked to my account and why my debit card is being linked to other software or tracked? We have also noticed multiple transactions are hitting our account twice for the same amount. Before Simmons bought out XXXX XXXX Bank ( I was a customer ) I never had NSF charges and with Simmons I have more NSF charges yet nobody can explain why, they just credit my account when I call regarding this issue. Credits are to post before debits so with that being said, if I make a payment on a Thursday night to maybe a credit card company and my direct deposit is to hit at midnight ( Friday ) and the credit card payment is posting at midnight then why am I being charged? Clearly I am looking to switch accounts however this is wrong and I have been a customer for well over 15 years! There should not be any software, other XXXX accounts linked to my personal checking account.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

Wow sold a account that they are saying is mines but it is not to EASTERN ACCOUNT Systems! This account does not belong to me!!!!! I filed an identity theft report on this said account that is reporting on my credit report TWICE!! ( THAT IS ALSO ILLEGAL )
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank/ Care Credit is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following companies have violated my rights : Account Name 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 XXXXXXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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.
Consumer complaint received 2020-09-29
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX XXXX
Consumer complaint received 2020-08-11
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. (OH)

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-11-07
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: National Credit Systems,Inc. (CA)

Last reported XXXX XXXX National credit system XXXX XXXX on XXXX XXXX XXXX XXXX. 
open XXXX XXXX ( THIS WAS NOT ON previous credit until I personally made a complaint about the wrong dates and information )
Consumer complaint received 2022-11-05
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. (OH)

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 2021-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL SERVICES LLC in the amount of {$1300.00}. 
XXXX XXXX XXXX in amount of {$100.00}. 
XXXX XXXXXXXX XXXX  in the amount of {$6700.00}. 

The following accounts above were open fraudulently. According to FCRA, these must be removed.