davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I received an annual pmi disclosure letter. After reading it and doing the math I contacted the lender to confront them with the fact that I had been under 78 percent of the original home value for at least a few months. I was given the run around that my complaint must be sent to someone else with no promise of fixing the problem and agreeing to nothing on my end. I realized I had been billed again for pmi in XXXX. I contacted the lender again and got the run around about company policy not allowing a refund of what I was overbilled on pmi. Penny Mac is claiming I am not owed the back pmi based on a document that was signed at closing. I don't understand how this document would be binding if auto termination is required at 78 percent. Could you please help me determine my rights under the Homeowners Protection Act. Thank you.
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Applied with Chase Bank for VA Loan. Process was very difficult, Chase raised numerous roadblocks blaming VA underwriters causing me to miss first closing date costing me {$500.00} dollars travel costs. They abruptly dropped all roadblocks and we were able to close. They explained it was because they lacked experience in VA Loans. 

The more concerning issue is that after loan closed and we were in the house I got alert of a {$2000.00} payment on my principal. I called to inquire they sent a letter that they had messed up the closing doc and this was money i was owed but they didn't clarify further. 

Then last week I received a deposit of {$490.00} against my principal. This time when i called they stonewalled me, customer support would only state that they received a check from a branch. XXXX explanation why this " branch would so gift me. Kept me on hold for long time but eventually refused to offer any explanation raising concerns that they really messed up my closing and don't want to disclose how. 

Please reach out on my behalf since they wont speak to me.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TN)

XXXX XXXX, after notifying her that under XXXX XXXX XXXX XXXX we were allowed to vacate the property owing no money for violating my Rights. She denied delivery of medication for someone in a protected class. She created a fraudulent debt based on a lie. XXXX XXXX has a history of committing crimes of theft as presented in the attached evidence. A person like this has no business in regard to placing debts on anyone. It is easy to see how she created a debt not owed by misrepresenting a material fact. 

As you can see, this is the person who has created a debt not owed which is fraud. This person has no credibility to even submit it to a collection agency. 

XXXX XXXX is liable for the behavior of this person since it is their employee. She violated my Rights. They hired her. She harassed me. She denied me required medications for a XXXX XXXX Maybe if XXXX did better employment screening, they would not be in the mess they are in with HUD. 

I mean look at the photos of their employee, so you understand what she did to me. How can someone with this record or behavior be allowed to run a property? 

What's sad is, her disregard for others. She feels displaying a vulgar hand gesture is appropriate. Then, makes fun of fat people. Definitely not appropriate for a Property Manager. But XXXX hired her, and they are liable for all the damages I and my incurred because of her actions alone. 

XXXX should be so proud that THIS individual was allowed to harass me and create a debt not owed and extorting us. She has 2 crimes of theft. How can she be in this position? 

XXXX hires these people who then lie and create debts not owed. They violate the tenants Rights and make living there a nightmare. 

XXXX has all of XXXX 's wonderful information and more for her representation for XXXX in a HUD case. My XXXX, their witness is destroyed because of them. This puts them liable. XXXX created a fraudulent debt and XXXX refused to fix it. I guess, this is what XXXX wants to be considered by their hiring practices.
Consumer complaint received 2023-05-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-30
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. (VA)

In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with XXXX XXXX. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but Experian has a negative report against me.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX, and XXXX XXXX  ( Original Creditor XXXX ) XXXX. Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXXK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent an FTC report to Equifax about two inquires that are on my credit report that I need removed. I called on XX/XX/XXXX to receive an update they stated it will take another 30 days to remove which is total of 60 days. Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a right to PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of 1999.. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NE)

A fraudulent account was opened in my name and i have been trying to resolve this with TD Retail Card Services. The opening and purchase occurred in another state. Company refuses to remove from credit report. I've tried to resolve this over the phone but can't get through to their customer service in a reasonable amount of time. Have spent hours on the phone waiting for a representative.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-12-25
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)

Date : XX/XX/22, I sent out a letters XXXX, to Experian, XXXX, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know more about who did they speak with?

How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Consumer complaint received 2020-03-05
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. (NY)

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Consumer complaint received 2020-03-05
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. (NY)

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Consumer complaint received 2020-03-05
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. (NY)

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute and request an investigation into the inaccurate information reported by XXXX XXXX on my credit reports. The accounts in question, held with XXXX XXXX, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by XXXX XXXX has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Consumer complaint received 2023-06-08
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. (GA)

The consumer reporting agency Account Name & Account number was properly investigation. But how is that possible if the account is fraud and I am a victim of Identity Theft. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report as well. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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. (VA)

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 group # XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 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 2023-01-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX  XXXX as well as XXXX XXXX  and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.