davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
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)

XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-12-30
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. (GA)

The collection company XXXX, XXXX and XXXX has been on my credit report since 2018 and listed as included in bankruptcy. I disputed the account with Experian and they updated the account to a collection past due account. I never received a bill from the company nor has anyone tried to contact me about it from 2018 to now. I called the number and XXXX answered the phone. She had me verify my information, but they had me listed as a resident of Florida which I have never been. I asked how is this account a collection, when it's always said XXXX? She said it never said that and we debated a little. I asked her to mail me a debt validation letter and she hung up. Attached you will find proof that they have been reporting this debt as XXXX and just recently changed it once I disputed it. Either way, I do not recognize this account, I do not appreciate never being notified, nor do I appreciate XXXX 's rude behavior. Completely unprofessional. 

I disputed this account with Experian and they reached out to the company and only updated the account based on what the company said. How did Experian verify this debt? It doesn't make sense especially since the company had me listed as living in Florida.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

In XXXX I paid {$8200.00} in interest payments to XXXX XXXX on my 30 Year fixed rate mortgage. In XXXX I paid {$7200.00} in interest to XXXX. In XXXX, I paid a total of {$7500.00} in interest, an increase over XXXX XXXX amount of {$310.00}. XXXX took over servicing my mortgage in XXXX of XXXX. XXXX has provided accounting for their interest collected through the first 3 months, which reflected decreasing interest payments I sent written notice to XXXX of this interest paid increase in XXXX on XX/XX/XXXX. To date they have not responded to address why my overall interest payments increased in XXXX, when based on prior year payments, should have decreased by over {$1000.00}.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-12-30
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)

XXXX ; XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

closed on mortgage and made first scheduled payment in XX/XX/2018. Soon after Pennymac began saying we were behind with amounts swinging wildly one way or the other. We have made all payments, although a few have been late, and they are now threatening foreclosure although my records show me current. I have sent a qualified written request to have a complete accounting of all payments to try and figure out what is wrong but they have not sent a reply or accounting of payments.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University XXXX XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Consumer complaint received 2020-03-06
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 — Was not notified of investigation status or results
Company: Collection Bureau of Fort Walton Beach, Inc (AR)

Collection Bureau of Ft. Walton Beach XXXX FL XXXX Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. 
The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX   reflect payment history in XXXX and XXXX, yet on XXXX, they do not report any payment history. Too, the Affordable Care Act provides that companies must allow six months to past prior to reporting any alleged medical entry to consumers ' credit report. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XXXX XXXX this is only a mere 2-3 months. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). 
To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had 60 days to respond to me, yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Consumer complaint received 2020-03-06
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. (PA)

I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a credit line of {$25000.00} with Capital One Bank for over 15 years along with a Checking and Savings accounts. I received a letter from them on XX/XX/XXXX stating that they are closing my Credit Line. I have been an excellent customer over the years and always paid my credit line on time. It is outrageous that with out any formal process Capital One decided to unilaterally close my line. During the holiday season, during covid, for no reason. I have called Capital One, gone to the branch, spoken to numerous people at Capital One. The only thing they can say is " sorry, that is the decision of the Bank. " ( Capital One said there are hundreds of credit lines being closed. ) They offered to take my information and file complaint with the bank, and that within 20 business days I should hear from someone. That is completely outrageous. The compliant number I filed at Capital One is XXXX.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Transunion is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. 

I would like for Transunion to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

XX/XX/XXXX I sent Honda Financial Services a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter Honda Finacial Service have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).
Consumer complaint received 2020-03-06
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. (AZ)

They are still showing on my report I've requested to have a fraudulent card open and used from XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXXand it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Consumer complaint received 2023-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

XXXXIn XXXX of XXXX, I complained to Wells Fargo Bank that XXXX was been scammped by their bank for additional interest charged to my personal loan. Wells fargo bank did a research and acknowledge the error and compensated me with {$210.00} on XX/XX/XXXX. 
Resolution : I am asking for {$500000.00} - XXXX as a penalty for violating my trust in the bank. 

Respectfully
Consumer complaint received 2020-12-30
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: CITIBANK, N.A. (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

My insurance company mailed my mortgage company a renewal invoice on XX/XX/2020. The mortgage servicer held the invoice until XX/XX/XXXX before cutting a check. That check # XXXX was not placed in the US mail until XX/XX/2020. Today I received a 10 day cancelation notice form my insurance company for non payment. I contacted PennyMac the mortgage servicer they are saying it takes 10 business days before they will do anything. After that point they will verify the check has not been cashed issue another and overnight it. That will take 5 business days. At that point my insurance will have expired. PennyMac further told me I have 30 days grace period before the insurance company will cancel. The 10 day cancellation notice is clear from my insurance company my policy will expire XX/XX/2020 XXXX.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AK)

My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to me.
Consumer complaint received 2023-11-29
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MI)

The consumer reporting company isn't following 15 USC section 1681a. in regards to all my accts my transaction and experiences are being reported. Which that is what the laws says so I want each and every acct to report excluding all transaction and experiences on my consumer report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VT)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-02-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent a letter on XX/XX/2022 to Transunion Consumer Solutions, XXXX and XXXX XXXX XXXX XXXX asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.