davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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. (MO)

In XX/XX/2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, XXXX  AND EQUIFAX REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I have received a collection letter from : Transworld Sytems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.
Consumer complaint received 2023-02-08
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. (TX)

XXXX XXXX is reporting a charged off account on my credit reports. When I looked at my reports and saw this account I found that each bureau was reporting drastically different information and I find that funny because if all three credit bureaus get their information from the same place, how can they all report multiple inaccuracies? It is illegal for the bureaus to report inaccurate information on a consumers report and I am requesting that this account is deleted from my reports given that they are in violation of the consumer laws.
Consumer complaint received 2022-05-23
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. (KS)

I opened a restaurant ( an LLC  ) in XXXX of XXXX. We closed in XXXX of XXXX. I asked XXXX XXXX to close my account. 2 Months later I got an alert from my credit monitoring service that said XXXX XXXX had reported that I owe {$1400.00}. I immediately called them and they said I owed {$360.00} in early termination fees and I didn't return my equipment so they charged me another XXXX. The sent me no communication prior to this about this account. I immediately over the phone paid the {$360.00} and sent the requested equipment back. a month later it was still on my report. I called XXXX XXXX and they assured me they would take care of it, if I removed the negative information on XXXX XXXX. I removed my negative information and they corrected the account to say paid in full. A week later they reported it as not paid again. This company is sketchy, never missed a payment when I was in business and no positive information was reported -- account wasn't even listed on my personal credit report, I feel they are using the credit bureau to get more money out of me. Long story short, this account was not a charge off as stated on my credit report, amount was paid in full - my credit report still says I owe {$1400.00}. This is adversely affecting my credit report and needs taken care of immediately. I have disputed this with Transunion twice and they verified with XXXX XXXX that the information is correct when its not. 


XXXX  XXXX Account # XXXX Phone ; XXXX
Consumer complaint received 2023-02-08
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. (OH)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX Account Number XXXX XXXX XXXX Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A states I have the rights to privacy.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You stated that you investigated these accounts and they were 100 % accurate. I have included my credit report with these account reporting several errors which means it's not 100 % accurate as you stated.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-04
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. (MO)

As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}. You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.
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. (FL)

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 XXXX out of XXXX 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 accounts and inquiries : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX,
Consumer complaint received 2023-03-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

We have been trying to close an assumption loan on our house since XX/XX/2022. PennyMac, the lender, has asked us to sign several extensions, as well as asking us and the buyers for information, the same information, over and over as each document ages out. 

The buyers are approved, and are ready to close, as are we. We have moved to Arizona, and our expenses, as you can imagine, are starting to add up, as we are attempting to maintain and pay for both houses. 

It should be noted that the realtor has been exemplary, and we believe shares no fault in this issue. 

We have gotten excuse after excuse from PennyMac, and I think every party on our side of things has been patient and forthcoming, but its all wearing thin. 

We were told, when the buyers were approved, that this should take no longer than 60 days. Needless to say, we are well past that. 

We need PennyMac to close ASAP.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

Our loan was sold to Fay Servicing who has been collecting escrow payments since closing on the loan in XX/XX/XXXX. We have XXXX properties under this loan and on XX/XX/XXXX I received Delinquent Property Tax Notices in the mail for XXXX of the XXXX properties. After further review, I also discovered we had an insurance policy lapse and XXXX in the process of cancelation. We ended up paying the property taxes out of pocket and I have called the company several times to request reimbursement. Each phone call results in a different process to receive reimbursement. I have tried to submit proof of payment ; however, the email addresses and phone numbers I have been given are all invalid. I mailed a certified letter that was received XX/XX/XXXX and have not received any communication back. I have asked to speak to managers and can not get anyone on the phone or to call me back. This has been an absolute nightmare. If you read their XXXX reviews, you'll see I am not the only one. I question how this company is still in business.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

My citi card ( XXXX XXXX ) charged me {$95.00} as annual fee in the last statement. I called them to cancel the card or down grade the card so that I don't pay annual fee. They agreed to cancel the card but says I still have to pay the annual fee. As far as I know, the rule is that if I cancel within 30 days of the last statement, the fee is waived. They are refusing to waive the fee. I paid so that my credit should not be affected. 
My credit card number is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX You stated this was 100 % accurate. I have listed below that this isn't 100 % accurate as you stated and it has several errors.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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 2022-04-22
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. (FL)

I submitted a complaint on XX/XX/XXXX about derogatory credit reporting from Experian. The complainant was closed today ( XX/XX/XXXX ). Not only did they not provide an explanation for the initial complaint of my credit score decrease on XX/XX/XXXX but as of XX/XX/XXXX they decreased my credit score again. This is a credit score decrease twice in one month. They even put high credit usage on my report. However, the one credit card I have only reports once a month on the XXXX of every month and the last time they reported on XX/XX/XXXX, in which reflects my XX/XX/XXXX credit report, I was only at a 19 % percent credit usage out of a {$500.00} credit limit, with a {$97.00} balance. I am going to contact my Local State Attorney office. This is insane and blatantly derogatory reporting practices. Once again I am keeping a XXXX XXXX of all the violations and discrimination caused by Experian. My credit score went from XXXX ( reported on XX/XX/XXXX ) to XXXX ( reported on XX/XX/XXXX ). I am definitely getting everyone involved from the XXXX and local XXXX Attorney. I will be forwarding all my complaints as well.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CO)

I experience identity theft in XXXX, 2022 and was forced to close my current checking account and open a new one. On XX/XX/XXXX, I went into Targets Redcard website to update my checking account number auto-pay but their third-party vendor, XXXX, would not validate my new checking account. I called Targets customer service, which was answered by their offshore team, and they were not able to help. Over the next two weeks, I tried multiple times to update the Target credit card auto-pay website and it continued to get rejected. I finally received checks for my new account and paid the amount of my XXXX statement Target card in XXXX. When I asked Target to credit the late fees and interest ( on multiple occassions ), they would only offer to forgive some, not all, of the fees and interest. Based on principle, I dont think i should pay any late fee or interest because it was Targets third-party vendor ( and, identity theft ) that caused the delay in paying the XXXX statement. Ironically, they did accept my check that was written off of the new account. Target is unempathetic that my identity was stolen or that their third-party vendor caused the delay in payment. Out of principle, I just cant bring myself paying any of the late fees or interest that werent my doing. Meanwhile, Target is using its size and deep pockets to ruin my credit rating and extract fees and interest through a practice of denying consumers the use of their checking accounts to pay automatically through their website. One important note : Ive paid all of the charges that were associated with purchases and made them at the earliest time possible given the identity theft and establishment of the new checking account.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( 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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (UT)

US citizenship and immigration services has requested a bank officer statement for my account. i requested this item on XX/XX/XXXX XXXX they told me this would take XX/XX/XXXX business days afterwards. i have been calling them ever since and i dont get a straight answer from chase bank. i have been banking with these people since XXXX but they refuse to give me this simple document. showing date account opened. total amount deposited last year and current balance
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: LoanCare, LLC (CT)

My credit information has changed for my credit score to drop from XXXX to XXXX. I called my mortgage company NewRez whom have been constantly harassing me about refinance my mortgage, when I made it clear Im not interested right now. I just finished a modification with them last. 
I can think of any reason why reporting on my credit would cause my score to soar so low in matter of months. 
Please advise thank you.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PCMA, Inc. (OH)

I've been contacted by this XXXX company about 20 times by completely different ( spoofed ) phone numbers. Each time I tell them I am not the person that they are looking for and to take me off their calling list. I recently got a string of SMS messages on my phone from someone, who failed to disclose their identity, claiming to be from this company. I have reached out in saying that I am not the person that they are looking for and they are now saying that I am the reason that this keeps happening.