davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (FL)

Yesterday I discovered multiple transactions on my XXXX XXXX XXXX XXXX account which has been paid off since XX/XX/2021 with XXXX  XXXX now XXXX. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, XXXX XXXX
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (OH)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (FL)

I received notification that CLARITY SERVICES INC has accessed my credit report again without my consent. I spoke with them and they are collecting my personal information without my consent! 
After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

InXX/XX/XXXX, I made payment arrangements with Client Services regarding Capital One Bank, N.A. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having Capital One Bank NA/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : Capital One Bank, took payment to close this account on XX/XX/XXXX.
Consumer complaint received 2018-10-18
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: CHARLES SCHWAB CORPORATION, THE (CA)

Opened a Brokerage+ Checking account with Charles Schwab as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (IL)

I applied for a credit line increase with Zales XXXX Card through Community Bank. I was then called by a representative from Zales stating that they needed a bill from my current address. I immediately went to the US Post Office and mailed it to them. If you search this tracking number # XXXX usps.com you'll see they received the requested info on XX/XX/22. I called and someone told me that they were still reviewing it and someone will contact me when they get a chance. 

On XX/XX/XXXX I see my phone declined a call that came from Comenity bank. I called back and it was their collections department. the gentlemen couldn't figure out who called me and also confirmed that I had a {$0.00} balance with Comenity and couldn't confirm who exactly called me. So he transferred me over to another representative that basically stated that he couldn't tell either, I explained that I was in the process of trying to get a credit line increase to at least $ XXXX {$5000.00}. He said once they're done reviewing my account they'll call me. 

Today XX/XX/22 I received a letter stating that they can't increase my credit limit because they tried to reach me and wasn't able to. That's a lie I spoke to a presentative that stated that they need additional information. This bank is discriminating and I'll like for this to be noted.
Consumer complaint received 2022-06-18
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX account numbers XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (GA)

I have asked EXPERIAN ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

EXPERIAN claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. Experian continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because EXPERIAN and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (NC)

Hello, I recently contacted XXXX, XXXX, and Experian and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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.
Consumer complaint received 2022-03-05
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. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

Mr. Cooper refuses to cancel my mortgage insurance ( PMI ) despite an increase in property value resulting in a LTV ratio less than 75 % ( i.e. we have over 25 % equity in the home ). They will not accept an outside appraisal, even an official one for tax purposes, instead farming appraisal business to an affiliate who gave an appraisal WELL below what XXXX XXXX, XXXX, and XXXX estimate the value at.
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account DPT ED/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
Consumer complaint received 2021-10-26
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020
Consumer complaint received 2021-04-12
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. (TX)

I have already submitted a report to you a month ago and they did not remove the information that was used through some opening account using my information. 
XXXX did remove items off my report Experian only removed I item and still kept 2 on my report and XXXX are horrible they did not up date anything and I still have XXXX inquiries and account that I didn't open
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account DPT EDXXXX # 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 2022-03-05
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. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXXXXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2020-12-16
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: FORD MOTOR CREDIT CO. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, FORD CRED and on XX/XX/2019, XXXX/XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-07
Product: Credit reporting 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)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (MD)

They didn't help me in XXXX weeks my credit score went from XXXX to XXXX I was told to buy more credit services I don't know what's going on this is the XXXX time I called equifax last time it dropped XXXX points now Today it dropped XXXX points and nobody is helping me.i spoke with XXXX no help I even spoke with the supervisor XXXX no help
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Hi I had a mutliple ammount of unathorized transactions on my chime debit card. I contacted chime about this transactions and I open cases for them, my claim was denied by them almost right away without them really looking into it. I was told to contact the merchant. the issues consisted of one merchant twitch. there were 2 different type of transactions related to twitch. one of them were transactions saying sub service at the end while the other transactions mention xsolla bits as the other description. I contacted twitch directly about this issues and they were of no help. I got the emails back from them they say they are unable to find my information and to just solve it with my bank, meanwhile when I contacted xsolla for the other transactions they were able to find me and refunded me the charges as they were fraudalent. This took care of half of the problem as the other half of the transactions were still not refunded. so now im out almost XXXX XXXX this are the following transactions and ammounts and dates that were not refunded by twitch. This are fraudalent transactions that I never authorized. I been going back and forth between my bank chime and twitch for a solution but nothing has happen I ask that you help me as chime should refund me for this transactions as I never authorized them. by the way the claim number that had all this transactions on chime is All of this transactions say XXXX twitch sub srvc on my card statement 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

On XX/XX/XXXX went in person to close the account because i had tried to close it since XX/XX/XXXX. I decided to pay off early the loan since I had the opportunity to do so. I first opened the account in XX/XX/XXXX and my son was making the payments for me. Total financed {$1400.00} plus {$100.00} of origination fee plus financed charge of {$930.00} of 69.99 % for a total of 18 months, monthly payments of {$130.00}. First payment was done XX/XX/XXXX of {$130.00}, XXXX payment XX/XX/XXXX {$600.00}, XXXX payment XX/XX/XXXX {$61.00} and last payment XX/XX/XXXX {$870.00} for a total {$1600.00}. I had tried to close the account since XX/XX/XXXX but havent so because they come out with all this interest charge, So on XX/XX/XXXX went to close the account in person again and at first I was told it was {$130.00}, then {$50.00} and then it was {$200.00}. I was told because they divided payments in 12 months, those months that havent incurred interests. I read the contract and it does not say nothing about charging interest in advance and they dont let us close the account because they say we still have payment due until XXXX of XXXX, in other words they want to charge the whole interest of 18 months because they dont want to loose that amount since we are closing the account early and all I want is to save money.