davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (GA)

Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX  - XX/XX/XXXX I have attached a letter from XXXX  XXXX XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

My mortgage company failed to pay my windstorm premium out of my escrow account. I contacted them in XXXX of XXXX when I received a letter asking for payment. Loan Depot told me that this was an error and that they would contact the insurance company for the invoice and get it paid. I also emailed Loan Depot the invoice. The premium was never paid so my policy went default. The insurance company called to let me know that I was no longer covered because Loan Depot never sent the payment. I went ahead and paid the premium to the insurance company directly so that my coverage could continue. A couple weeks later, Loan Depot sent the company a check from my escrow so now the policy had been double paid. I again called Loan Depot to complain and they were extremely unhelpful and incompetent. The insurance company sent me a refund for the double payment however Loan Depot is charging me {$370.00} for the policy going default. It was Loan Depot 's fault that the policy went default. They sent the payment 2 months late and caused my policy to be canceled. Loan Depot is now refusing to take responsibility for their error and refund me the {$370.00}. I never got any communication from Loan Depot stating that they could not or would not make the payment. This whole situation is completely Loan Depot 's fault and they owe me a refund of {$370.00}.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TN)

On XXXX I sent letter to Comnwlth Fin to inform them they are in breach of security and HIPAA authorization for two accountsXX/XX/XXXXXX/XX/XXXXXXXX.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX my payment of {$240.00} was electronically sent by my bank to Citibank. Payment was due on XXXX. Citibank waited 4 days to credit the payment and then charged me {$30.00} late fee and {$8.00} interest on the past due amount. This is the second time this has happened. Only at Citibank. 

The first incident was the exact same scenario. Wait a day to credit the account and charge late fees, easy. That incident was resolved and credited back but now all subsequent charges will not be credited. How does that work when they are at fault? 

Citibank can do or say what they want, they are the ONLY credit card company I deal with that has this problem. Why is that? How much are y'all making by doing this? 

I have had my account with Citibank since XXXX  and I have never been late with a payment until recently. How is that? Especially when it's electronic from another bank? Let me reiterate, this does not happen with any other credit card company except Citibank.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, I noticed the " Portfolio Recovery '' account ( original creditor was XXXX XXXX  XXXX XXXX was still in collections a few weeks ago. I had paid this debt back in XX/XX/19. 

I have a link to display the debt that was paid, but it states to not include any personal information on here. I have a case number that shows all the information of the collected debt, I disputed this debt through XXXX XXXX  a few weeks ago and the result came back with " Account information disputed by consumer, meets FCRA requirements. ''
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC. (OH)

I have been trying to resolve the issue with this company for over XXXX years. I paid off this loan through a payday loan assistance company. I sent my payoff letter, my POA that I signed and the contract I signed. I also sent them the police report I filed after finding out that this company was a fraud. I filed a complaint with XXXX  and NEtcredit agreed to take it off my my credit report, but they have not. I filed a dispute with XXXX, and Netcredit stated the information was accurate. This is not what they told the XXXX  in my complaint. This has hindered me so much. I paid this company almost {$4500.00} just to find out that it wasn't the company it said it was. i just want them to stick to their word, and they have not. I keep sending in all the information they have asked me to send in and it keeps getting disregarded or they keep asking me to send the documents in over and over again. I just want them to keep their word. THey sent my info to a colletion agency called XXXX XXXX XXXX XXXX XXXXXXXX and they responded to the complaint and the complaint ID is # XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-27
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: ALLY FINANCIAL INC. (VA)

I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was acct. XXXX XXXXXXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXX XXXX XXXX XXXX and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXXXXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

STATUS The complaint was closed on XX/XX/2023 The CFPB closed this complaint because it has already processed your earlier complaints about this problem. You closed the report as usual and DID SQUAT! HOW PITIFUL!
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (LA)

I applied and was approved for a credit builder loan in XXXX. All payments were made on time. On XX/XX/2022, they put a new loan in my name that negated the previous loan. MoneyLion has now reported both loans as DELINQUENT on all of my credit reports. I have contacted the company over twenty times and emailed my bank statements. They have not helped in any way. I want the second loan taken off my account and I will resume paying for the original loan.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 there was a wire transfer of {$20000.00}. And, then followed by another on XX/XX/XXXX in the amount of {$30000.00}. 
Both of these wire transfers were made with out my authorization. When I found out ( 2 days after the second transfer ), I called Chase to report. They told me to file an affidavit and a police report. It took months before they finally accept the affidavit and the police report. However, they never contact me after that. I always have to call to check on the dispute ( at least 10 times ). On XXXX, they told me it was approved but I have to wait at least 10 business days for them to put the money back to my account, but they never did. I called them back. A lady answered the phone and she said it was denied. I was in shock. That lady told me whoever said that the money was approved, was wrong. Then she asked me some questions such as what kind of a phone do I have? Have I been in XXXX XXXX? Do I always have the phone with me?. I truthfully answered all her questions. She told me they will work on the dispute again. A week later, I called again they told me to give them 10 more days. Today XX/XX/XXXX, I called Chase, a man told me they have made the final decision, my dispute was denied. According to them, I use my phone to accept the transfers. I never did that.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MD)

This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry appears on my report however, I have not initiated any credit application or authorized any inquiry from those listed on my credit report.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Around XX/XX/XXXX, I missed a payment due to medical issues. It ended up where I had accepted a federal loan modification plan. At this time, I was under the impression that due to the medical issues, under this federal modification, the missed payments would be excused due to the program, but they were not. Furthermore, I was told NOT to pay for a couple of months, and those also were counted against me. 

I am grateful they were able to help me during my medical issues, but I have almost had the house for 7 years now, and due to the program, I basically still owe what I owed when I first purchased the home. I do not feel as if the payments, etc., were fully explained to me when this happened. 

I have disputed this with the XXXX  a year or so ago, and PennyMac confirmed everything as accurate. However, the credit reporting does not match. With the reporting not matching and have being confirmed, I feel as though under the Fair Credit Reporting Act, due to confirming the inaccuracies, these should be removed. 

Items that do not match are as follows : No confirmed payments showing before my first missed payment on XXXX ( affecting payment percentage ) First missed payment shows as XX/XX/XXXX on XXXX, but XXXX XXXX on XXXX  and XXXX Missed payment showing for XX/XX/XXXX on XXXX, but no missed payments on XXXX & XXXX XX/XX/XXXX showing as missed on XXXX, but not on XXXX  or XXXX XX/XX/XXXX payment showing as made on XXXX, but not on XXXX  or XXXX I had previously disputed these, and Pennymac confirmed the information is correct. The reporting bureaus confirmed they were reporting what PennyMac sent in to them. So something is off here. 

Furthermore, I have also received multiple calls from PennyMac to refinance the house, including just recently and having happen about a year plus before that. I feel as though they are trying to leverage this against me, as there is no reason to remove these negatives from my report, to keep the policy as-is or to get me to refinance to a higher interest rate ( due to the market conditions, my credit score being impacted, etc.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each Experian, XXXX, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I just received a bank card in the mail for a new TD Bank account that I did not open. I called TD Bank and spoke with a fraud specialist that stated they would close the account on their end but recommended I filled out a report here.
Consumer complaint received 2022-10-07
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. (PA)

I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, Experian and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, XXXX or Experian. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between XXXX and Experian and the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. For the debt in the amount of {$780.00}, on my Experian report the last date of activity has XX/XX/2022, but XXXX has XX/XX/2022. And again, the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, XXXX has XX/XX/2022 and Experian has XX/XX/2022. For the payment history, XXXX is blank, XXXX is reporting on time payments an Experian is Blank. i have included all the letters i have mailed along with screenshots of my report.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-06-03
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. (DE)

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX  that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX onXX/XX/XXXX for  the account, stating that the account does not belong to me. The account has not been removed my credit report.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (VA)

On XXXX, I received a phone call from PNC Bank that I owed A debt for {$1900.00} which I did not owe. I told them that I shouldn't be the one responsible for the scam but they did nothing about it! 

Please fix this ASAP
Consumer complaint received 2023-01-09
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-03-08
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)

The loan was never 30 day late. Spoke with several managers and representatives and they all stated that account balance would be updated and it would not be reported to credit bureaus as late. When it reported late I disputed with credit bureaus and sent email to company as directed by customer service reps to get this corrected. It reported correctly for 1 month and went back reported late again.