davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (WI)

I am requesting that the {$64.00} in NSF fees be returned to my account immediately. 
I called Prime on XX/XX/XXXX to let them know that a 2nd payment was made in error. I'm on autopay and made an online payment in error. I called immediately to inform them and request that I be taken off of autopay. I asked if I would be charged again or if they would be running the payment through again and I was told that they wouldn't and there was nothing that I needed to worry about. Today, XX/XX/XXXX, I check my account and have been charged another {$32.00} fee for them trying to deduct funds again. I called to request a refund and was told to send a bank statement and a letter. With everything going on right now and my hours being cut at work I refuse to wait 30 days until a bank statements comes out to reflect NSF fees when I can simply download my online transactions through on-line banking to show their error. Nobody should have to go through that much trouble to get a fee reversed.
Consumer complaint received 2020-01-03
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. (FL)

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.
Consumer complaint received 2023-05-10
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-04
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. (TX)

In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 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 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2022-10-04
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

JPMCB -XXXX : Chase is reporting erroneous lates on my credit report file. I was set up on a hardship plan where they would automatically draft my payments ( monthly ) on the XXXX of each month. I should not have any late payments. This is an error on their behalf. I have tried contacting them several times to fix this issue. They said they would and still have yet to do so. This needs to be fixed immediately!!!!!
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

late payments on mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX we have had a modification that brought us current from XX/XX/XXXX-XX/XX/XXXXtrail period. 
the first payment for our new modification was for XX/XX/XXXX. everything is on time. 
we ask that the old late payments for the other loan, should be removed from the credit, there are no reason these should be on the credit with a modification. please consider the new loan mod. to be moving forward. these late payments are a year old.
Consumer complaint received 2020-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2019, I was scammed by an individual named XXXX XXXX on Venmo. I contacted Venmo about the scam and requested that they investigate. Venmo stated that they do not have any protections for people that pay for services via its app. I sent Venmo a screenshot of its User Agreement, which stated that if a person receives payment from an unauthorized servicer, they will refund the money and investigate, but Venmo is refusing to investigate. I believe if Venmo is going to handle funds of its users, it should have protections available. 

I even disconnected my debit account from Venmo prior to the funds being drawn, but Venmo still took the funds from my checking account. The total amount removed from my account was {$640.00}, XXXX refunded me only {$200.00}, but I am still missing the remaining balance. 

Venmo needs to establish consumer protections, issue a refund, and establish repercussions for individuals that operate an unauthorized business from its payment system.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (FL)

It should be known that this complaint is filed against both TransUnion and XXXX for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both TransUnion and XXXX and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from TransUnion and XXXX are missing date account was closed. 2. Both reports from TransUnion and XXXX are missing date of last activity. 3. TransUnion reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. TransUnion report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on TransUnion report. Said dispute has been over and no other disputes exist. Once dispute is over, TransUnion was obligated to remove all codes and remarks about disputes from the report, which TransUnion failed to do. 8. XXXX report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. XXXX was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MO)

Hunter Warfield Called me for the DEBT i owed for amount of XXXX $ which was opened on XX/XX/XXXX in my credit History. 
Over the call they explained that i owe this with XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I had rented with them from XX/XX/XXXX till XX/XX/XXXX. I had successfully closed my lease with all dues pending. 
I asked Hunter Warfield to give details of amount i owed last month but never got response. I contacted XXXX XXXX  but the management has changed so they don't have any records. 
This amount is now there on my credit history and affecting the same.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-06-10
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

ELDER ABUSE Lakeview Loan Servicing https : //lakeviewloanservicing.myloancare.com/ Loan Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Property Subject to Loan Serviced by Lakeview Loan Servicing Please regard this as a formal complaint against the practices of my servicer. We have attempted to procure a payoff from Lakeview Loan Servicing. XXXX XXXX and I have attempted through phone calls, submitted requests and various other means to procure a payoff of my current loan for more than 6 weeks to facilitate my refinancing. Ive a copy of an email I received from XXXX today. I will have to restart the loan process over with XXXX XXXX if my servicer continues to ignore our requests. 
Obviously the servicer does not want to lose a performing loan, but their deceitful tactics of ignoring my and XXXX XXXX requests are the exact basis of the charter of the CFPB. These servicers are the same organizations that have informed mortgagors seeking forbearance of payment that they will owe a balloon payment for missed months. The same entities that have extensively lobbied every U. S. Congress member that will listen that the Federal Reserve should provide them a nearly interest free credit facility to overcome their own illiquidity. Incredibly, the legislation recently passing the House actually provides for that relief. 

This country faces so many issues but the worse response is when good people standby and doing nothing. 

Thank you for your consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Consumer complaint received 2022-06-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (MI)

Affirm loan # XXXX, this was a XXXX purchase on XX/XX/XXXX for {$5000.00} that was cancelled by XXXX 's host the same day and full credit was issued. Affirm acknowledges they have received all but {$99.00} of this refund, with the {$99.00} being an insurance charge from XXXX, a business partner of XXXX, they say the refund has not been sent to them yet. 1st ... even though Affirm received the cancellation on XX/XX/XXXX, they still created the loan documents on XX/XX/XXXX. And, they REFUSE to issue the refund of the amount they do have, because they say their " policy '' is to wait until the {$99.00} is received, which I know from previous experience with them, this is not true. Since XX/XX/XXXX, I have spent hours trying to resolve this matter speaking and texting with XXXX, XXXX and Affirm and have attached some of the screenshots. Even though they all do business with each other, they refuse to contact each other regarding this {$99.00} that Affirm says they do not have, and both XXXX and XXXX show in their system as having been refunded. Affirm will not do anything other than tell me to " contact the merchant ''. Every time I ask them for help, it's " contact the merchant ''. I have repeatedly asked them to refund the {$4900.00} that they do have and they refuse. I have another XXXX loan that I'm paying on and I can not afford to pay for 2 loans, especially for a property that has been cancelled and refunded for the same time period for the current property I am staying in. I have been unemployed for 7 months due to this country 's poor monetary policies ... .2 years ago I made over $ XXXX, I just took a new job making {$40000.00}, where I can barely afford rent and I came here and am living in the XXXX for the valid loan that I am paying on. They don't care!!!!!
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. 
If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I am working with the SBA for disaster relief funding and they have suspended and potentially could deny my application because they reported to me that my credit report is frozen. I did not request freeze and the other two agencies, XXXX  and XXXX, I verified that they were not frozen. I believe that the freeze that is in place is in error and was not requested by me. 

The process for requesting a freeze is in writing only which I did not do. And the request to remove is the same process.